Key indicators for buyers
The SA38 market is moderately favourable for buyers. Prices are rising at 25.1%, which may favour acting sooner rather than later. Affordability has improved from a peak of 6.5x in 2006 to 5.8x today. Rising rents (£664/mo, +4.9%) 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 Carmarthenshire area
A home in Carmarthenshire costs 5.8x the local median salary — moderate, improving from a peak of 6.5x in 2006.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Carmarthenshire area
Average monthly rent in Carmarthenshire is £664, up 4.9% 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 Carmarthenshire price of £342,875 with a 25% deposit (£86k), a 2-year fixed mortgage at 3.97% costs around £1,353 per month.
Monthly cost comparison based on current data
Uses SA38 avg. price with Carmarthenshire rental data
Monthly mortgage payments (£1,353) are £689 more than renting (£664). However, buying requires an upfront deposit of £86k — it would take around 58 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
2, EBENEZER STREET SA38 9BS | Terraced | £147,500 | 16 Jan 2026 |
HEPHZIBAH, BEULAH SA38 9QB | Detached | £595,000 | 16 Jan 2026 |
PARCAU BACH, CENARTH SA38 9LD | Detached | £300,000 | 12 Jan 2026 |
KLANNA, CAPEL IWAN SA38 9LU | Detached | £329,000 | 5 Jan 2026 |
EFOR GRUG, CWM COU SA38 9PF | Detached | £290,000 | 19 Dec 2025 |
HIRWENYDD, BEULAH SA38 9QB | Detached | £330,000 | 18 Dec 2025 |
FRON HELYG, ABERARAD SA38 9DQ | Detached | £140,000 |
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 SA38 sold for £342,875 in 2026, with a median of £314,500 across 4 transactions. Prices rose 25.1% compared to the previous year.
| 18 Dec 2025 |
MURMUR Y CERI, BLAEN CIL LLECH SA38 9EP | Detached | £315,000 | 16 Dec 2025 |
1, SWN YR AFON SA38 9BR | Semi-detached | £190,000 | 11 Dec 2025 |
RHYDHALEN SA38 9HS | Detached | £285,000 | 10 Dec 2025 |
MAES Y FRON SA38 9RA | Detached | £300,000 | 5 Dec 2025 |
12, BROGORWEL, BRYNGWYN SA38 9PJ | Detached | £305,000 | 25 Nov 2025 |
3, TEIFI TERRACE SA38 9EA | Terraced | £150,000 | 31 Oct 2025 |
BRYNHEDYN, CWM COU SA38 9PF | Detached | £330,000 | 31 Oct 2025 |
2, MILL STREET, ABERARAD SA38 9DE | Terraced | £210,000 | 13 Oct 2025 |
1, CASTLE TERRACE SA38 9BD | Terraced | £180,000 | 3 Oct 2025 |
ELMGROVE, ADPAR SA38 9NT | Detached | £220,000 | 19 Sept 2025 |
TY CEFEN, PANTYBWLCH SA38 9JE | Other | £545,000 | 17 Sept 2025 |
GWYN VILLA, CAPEL IWAN SA38 9ND | Detached | £190,000 | 5 Sept 2025 |
NANT Y CASTELL, BETWS IFAN, BEULAH SA38 9QL | Other | £383,000 | 28 Aug 2025 |
The most recent recorded sale in SA38 was a terraced property on Ebenezer Street for £147,500 in January 2026. Across the last 20 sales, the median price was £300,000.