Key indicators for buyers
The CF3 market is moderately favourable for buyers. Prices have softened (-4.3%), which could present a buying opportunity. 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
2026averages · 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 £267,250 with a 25% deposit (£67k), a 2-year fixed mortgage at 3.97% costs around £1,055 per month.
Monthly cost comparison based on current data
Uses CF3 avg. price with Cardiff rental data
Monthly mortgage payments (£1,055) are £99 less than renting (£1,154). However, buying requires an upfront deposit of £67k — it would take around 8 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
33, TY FRY GARDENS, RUMNEY CF3 3NP | Semi-detached | £217,500 | 19 Jan 2026 |
19, HEOL BOOTHS, OLD ST MELLONS CF3 6WA | Detached | £358,000 | 16 Jan 2026 |
62, WILLOWBROOK GARDENS, ST MELLONS CF3 0BF | Terraced | £232,500 | 13 Jan 2026 |
25, BOYCE WAY, OLD ST MELLONS CF3 6AB | Terraced | £237,000 | 12 Jan 2026 |
68, CHURCH ROAD, RUMNEY CF3 3BB | Semi-detached | £343,000 | 9 Jan 2026 |
82, WASHFORD AVENUE, LLANRUMNEY CF3 5QB | Semi-detached | £185,000 | 9 Jan 2026 |
8, JAMES COURT, ST MELLONS CF3 0FA |
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.
The average property in CF3 sold for £267,250 in 2026, with a median of £251,000 across 8 transactions. Prices fell 4.3% compared to the previous year.
| Detached |
| £300,000 |
| 9 Jan 2026 |
13, BRIDGWATER ROAD, LLANRUMNEY CF3 5TF | Semi-detached | £265,000 | 6 Jan 2026 |
28, RHODFA LEONARD, OLD ST MELLONS CF3 6YW | Semi-detached | £280,000 | 22 Dec 2025 |
6, BRACHDY LANE, RUMNEY CF3 3AS | Semi-detached | £280,000 | 19 Dec 2025 |
APARTMENT 18, BLOCK 2 THE RISINGS, CHURCH ROAD, OLD ST MELLONS CF3 6AT | Flat/Maisonette | £185,000 | 19 Dec 2025 |
GREENFIELD COTTAGE, TY MAWR LANE, MARSHFIELD CF3 2YF | Detached | £610,000 | 19 Dec 2025 |
23, CAERNARVON WAY, RUMNEY CF3 1RW | Terraced | £247,500 | 19 Dec 2025 |
60, TY MAWR ROAD, RUMNEY CF3 3BT | Semi-detached | £300,000 | 19 Dec 2025 |
44, RHODFA LEONARD, OLD ST MELLONS CF3 6YW | Semi-detached | £315,000 | 19 Dec 2025 |
THE OLD NURSERY, THE GROVE, RUMNEY CF3 3HG | Detached | £254,375 | 19 Dec 2025 |
25, WILLOWBROOK STREET, ST MELLONS CF3 0FF | Terraced | £270,000 | 19 Dec 2025 |
61, DUNSTER ROAD, LLANRUMNEY CF3 5TQ | Terraced | £255,000 | 19 Dec 2025 |
8, PENTWYN TERRACE, MARSHFIELD CF3 2TW | Terraced | £233,000 | 18 Dec 2025 |
FLAT 22, WENTLOOG COURT, WENTLOOG ROAD, RUMNEY CF3 3ET | Flat/Maisonette | £110,000 | 18 Dec 2025 |
The most recent recorded sale in CF3 was a semi-detached property on Ty Fry Gardens for £217,500 in January 2026. Across the last 20 sales, the median price was £265,000.