Key indicators for buyers
The CF1 market is moderately favourable for buyers. Prices are rising at 853.2%, which may favour acting sooner rather than later. Affordability has improved from a peak of 8.3x in 2021 to 7.0x today. Rising rents (£1,154/mo, +5.6%) mean the cost of waiting is real.
Yearly averages · HM Land Registry Price Paid Data
The average property in CF1 sold for £1,286,877 in 2021, with a median of £230,000 across 3 transactions. Prices rose 853.2% compared to the previous year.
2021averages · HM Land Registry Price Paid Data
House price ÷ median earnings · ONS data
Affordability data shown for wider Cardiff area
A home in Cardiff costs 7.0x the local median salary — moderate, improving from a peak of 8.3x in 2021.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Cardiff area
Average monthly rent in Cardiff is £1,154, up 5.6% year-on-year. Rents have risen consistently over the past five years.
2yr fixed · 75% LTV · 25yr term · BoE avg. rate
Based on the average Cardiff price of £1,286,877 with a 25% deposit (£322k), a 2-year fixed mortgage at 3.97% costs around £5,078 per month.
Monthly cost comparison based on current data
Uses CF1 avg. price with Cardiff rental data
Monthly mortgage payments (£5,078) are £3,924 more than renting (£1,154). However, buying requires an upfront deposit of £322k — it would take around 26810 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
11, CASTLE STREET CF1 2BS | Other | £3,410,631 | 21 Sept 2021 |
FLAT 10, KESTRAL MEWS, 104 - 108, CATHEDRAL ROAD CF1 9LP | Flat/Maisonette | £220,000 | 20 Aug 2021 |
87E, SEVERN ROAD CF1 9EA | Flat/Maisonette | £230,000 | 5 Mar 2021 |
FLAT 3, 182, CLIVE STREET CF1 7JG | Flat/Maisonette | £135,000 | 17 Jun 2020 |
UNIT 4, PENARTH ROAD CF1 7TT | Other | £360,000 | 30 May 2018 |
5, MILL LANE CF1 1FL | Other | £3,703,345 | 19 Dec 2017 |
6, MILL LANE CF1 1FL | Other |
Data sources (all free & public): HM Land Registry Price Paid Data & UK House Price Index · ONS Housing Affordability Ratios · ONS Private Rental Index · Bank of England Quoted Household Interest Rates · HMRC Monthly Property Transactions
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.
| £3,703,345 |
| 19 Dec 2017 |
64, LOWER CATHEDRAL ROAD CF1 8LT | Flat/Maisonette | £57,500 | 28 Jul 2017 |
162, PENARTH ROAD CF1 7NJ | Other | £560,000 | 9 May 2017 |
19, WINDSOR PLACE CF1 3BY | Other | £450,000 | 16 Sept 2016 |
FLAT 5, CWR SOFFIA, 49 - 53, CATHEDRAL ROAD CF1 9HD | Flat/Maisonette | £147,500 | 11 Nov 2011 |
87E, SEVERN ROAD CF1 9EA | Flat/Maisonette | £200,000 | 25 Jun 2010 |
FLAT 6, 114, CATHEDRAL ROAD, CARDIFF CF1 9LP | Flat/Maisonette | £118,000 | 3 Apr 2008 |
115, PENARTH ROAD, CARDIFF CF1 7JU | Terraced | £75,000 | 19 Dec 2005 |
9, WOMANBY STREET, CARDIFF CF1 2BR | Detached | £203,000 | 5 Sept 2005 |
87E, SEVERN ROAD, CARDIFF CF1 9EA | Flat/Maisonette | £192,500 | 25 May 2005 |
2, BRANKSOME HOUSE, GRAND AVENUE CF1 1DF | Flat/Maisonette | £128,000 | 23 Dec 2004 |
41, CHARLES STREET, CARDIFF CF1 4EB | Semi-detached | £220,000 | 1 Oct 2003 |
FLAT B, 29, CLIVE STREET, CARDIFF CF1 7HJ | Flat/Maisonette | £78,000 | 11 Apr 2003 |
1, 87, SEVERN ROAD, CARDIFF CF1 9EA | Flat/Maisonette | £87,000 | 31 Jan 2003 |
The most recent recorded sale in CF1 was a other property on Castle Street for £3,410,631 in September 2021. Across the last 20 sales, the median price was £203,000.