Key indicators for buyers
The SY25 market is moderately favourable for buyers. Prices have softened (-8.1%), which could present a buying opportunity. Affordability has improved from a peak of 9.7x in 2007 to 6.9x today. Rising rents (£709/mo, +5.4%) 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 Ceredigion area
A home in Ceredigion costs 6.9x the local median salary — moderate, improving from a peak of 9.7x in 2007.
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Ceredigion area
Average monthly rent in Ceredigion is £709, up 5.4% 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 Ceredigion price of £192,500 with a 25% deposit (£48k), a 2-year fixed mortgage at 3.97% costs around £760 per month.
Monthly cost comparison based on current data
Uses SY25 avg. price with Ceredigion rental data
Monthly mortgage payments (£760) are £51 more than renting (£709). However, buying requires an upfront deposit of £48k — it would take around 10 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
TARA, 15, RHYD Y FAWNOG SY25 6JQ | Detached | £205,000 | 19 Jan 2026 |
LLWYNCELYN, LLANDDEWI BREFI SY25 6RS | Semi-detached | £180,000 | 5 Jan 2026 |
MAESTEIFI, 22, RHYD Y FAWNOG SY25 6JQ | Detached | £180,000 | 15 Dec 2025 |
GILFACHDWN FACH, PONTRHYDFENDIGAID SY25 6EL | Detached | £425,000 | 11 Dec 2025 |
LLWYNBEDW, PONTRHYDYGROES SY25 6DP | Detached | £114,000 | 5 Dec 2025 |
2, PENRODYN SY25 6HQ | Semi-detached | £175,000 | 5 Dec 2025 |
DISGWYLFA, LLANDDEWI BREFI SY25 6RL | Detached |
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 SY25 sold for £192,500 in 2026, with a median of £192,500 across 2 transactions. Prices fell 8.1% compared to the previous year.
| £135,000 |
| 5 Dec 2025 |
PARCRHYNN VILLA, LLANGEITHO SY25 6SU | Detached | £340,000 | 1 Dec 2025 |
3, MILL STREET, PONTRHYDFENDIGAID SY25 6BG | Terraced | £120,000 | 1 Dec 2025 |
BODHEDD, PONTRHYDYGROES SY25 6DP | Semi-detached | £220,000 | 27 Nov 2025 |
TEIFISIDE, PONTRHYDFENDIGAID SY25 6ED | Terraced | £97,000 | 27 Nov 2025 |
THE FLAT, ABOVE COUNTRY KITCHEN, CHAPEL STREET SY25 6HA | Other | £230,000 | 26 Nov 2025 |
ROCK COTTAGE, PONTRHYDFENDIGAID SY25 6BB | Semi-detached | £195,000 | 6 Nov 2025 |
PEN-Y-BRYN, 3, LON CARON SY25 6JH | Detached | £285,000 | 31 Oct 2025 |
DOLWEN SY25 6NB | Terraced | £76,000 | 2 Oct 2025 |
GLANCADWN, LLANGEITHO SY25 6QH | Detached | £595,000 | 30 Sept 2025 |
WHITEHALL COTTAGE, DEWI ROAD SY25 6JN | Detached | £126,000 | 26 Sept 2025 |
DOLBEUDIAU, PONTRHYDFENDIGAID SY25 6EJ | Other | £475,000 | 24 Sept 2025 |
AMMAN HOUSE, DOLDRE SY25 6JT | Semi-detached | £87,500 | 1 Sept 2025 |
2, TEIFI STREET, PONTRHYDFENDIGAID SY25 6EH | Terraced | £100,000 | 29 Aug 2025 |
The most recent recorded sale in SY25 was a detached property on Rhyd Y Fawnog for £205,000 in January 2026. Across the last 20 sales, the median price was £180,000.