Key indicators for buyers
The SA40 market looks favourable for buyers. Prices have softened (-20.6%), which could present a buying opportunity. 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 £193,500 with a 25% deposit (£48k), a 2-year fixed mortgage at 3.97% costs around £764 per month.
Monthly cost comparison based on current data
Uses SA40 avg. price with Carmarthenshire rental data
Monthly mortgage payments (£764) are £100 more than renting (£664). However, buying requires an upfront deposit of £48k — it would take around 11 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
ORDOLAU SA40 9QA | Semi-detached | £170,000 | 22 Jan 2026 |
MORLAIS HOUSE SA40 9SP | Semi-detached | £217,000 | 15 Jan 2026 |
2, HEOL Y GORS, GORSGOCH SA40 9TG | Semi-detached | £197,000 | 17 Dec 2025 |
PENSARN, CWRTNEWYDD SA40 9YN | Detached | £430,000 | 11 Dec 2025 |
1, BRIDGE STREET SA40 9XY | Terraced | £180,000 | 9 Dec 2025 |
LLWYN SA40 9TX | Detached | £282,500 | 8 Dec 2025 |
7, BRO TEIFY, ALLTYBLACCA SA40 9SR | Semi-detached | £175,000 |
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 SA40 sold for £193,500 in 2026, with a median of £193,500 across 2 transactions. Prices fell 20.6% compared to the previous year.
| 1 Dec 2025 |
TY MALI SA40 9QA | Detached | £171,500 | 20 Nov 2025 |
GWARCOED VILLA, PENFFORDD SA40 9XE | Other | £485,000 | 13 Nov 2025 |
WAUNMEILLION, TY MAWR SA40 9RB | Other | £540,000 | 24 Oct 2025 |
LEE VILLA SA40 9SA | Detached | £365,000 | 17 Oct 2025 |
3, HIGHMEAD COTTAGES, RHYDDLAN SA40 9XB | Terraced | £220,000 | 17 Oct 2025 |
TROEDYBRYN HOUSE SA40 9RP | Detached | £360,000 | 8 Oct 2025 |
MAESBRIALLU, PENCARREG SA40 9QQ | Detached | £275,000 | 2 Oct 2025 |
2, YR HEN YSGOL, CWRTNEWYDD SA40 9YN | Terraced | £131,250 | 29 Sept 2025 |
DELFAN, CWMSYCHPANT SA40 9XL | Detached | £280,000 | 19 Sept 2025 |
RED LION, CWRTNEWYDD SA40 9YN | Terraced | £238,000 | 29 Aug 2025 |
GLYN, DREFACH SA40 9SY | Detached | £234,000 | 22 Aug 2025 |
TOWER COTTAGE SA40 9RL | Detached | £185,000 | 14 Aug 2025 |
1, CAERAU BACH, PENFFORDD SA40 9XG | Semi-detached | £185,000 | 31 Jul 2025 |
The most recent recorded sale in SA40 was a semi-detached property for £170,000 in January 2026. Across the last 20 sales, the median price was £234,000.