In short
In July 2026, the average price of a home in Cardiff was £272,252, +2.7% over twelve months (27% above the Wales average). At that price, a home mover pays £2,835 in Land Transaction Tax, plus £150 of HM Land Registry fee.
The questions, answered
What is the average house price in Cardiff?
The average price of a home in Cardiff was £272,252 in July 2026, +2.7% over twelve months (UK House Price Index).
How much does a flat or a house cost in Cardiff?
In July 2026, the average price in Cardiff was £519,113 for a detached house, £324,859 for a semi-detached house, £262,241 for a terraced house, £160,574 for a flat (UK House Price Index).
What do first-time buyers pay in Cardiff?
First-time buyers paid £234,155 on average in Cardiff in July 2026, against £272,252 for all buyers (UK House Price Index).
Have house prices gone up in Cardiff?
The average price in Cardiff went from £189,619 in July 2016 to £272,252 in July 2026, a change of +43.6%; +2.7% over the last twelve months (UK House Price Index).
How much Land Transaction Tax on an average-priced home in Cardiff?
On £272,252, Land Transaction Tax (LTT) comes to £2,835 for a home mover (Wales has no first-time buyer relief) and £17,175 for an additional property, at the rates in force in Wales.
How many homes sell in Cardiff?
4,368 sales in Cardiff were registered from May 2025 to April 2026, the latest twelve months with complete volumes (UK House Price Index).
Is Cardiff expensive?
Cardiff ranks 9th of the 20 areas Payotte covers for the average price in July 2026, from £479,736 in Buckinghamshire to £140,447 in County Durham.
Prices by property type, July 2026
| Type | Average price | Wales |
|---|---|---|
| Detached | £519,113 | £336,301 |
| Semi-detached | £324,859 | £215,065 |
| Terraced | £262,241 | £172,261 |
| Flat or maisonette | £160,574 | £128,586 |
| All types | £272,252 | £215,037 |
| First-time buyers | £234,155 | £184,649 |
The UK HPI is a mix-adjusted average (a hedonic model), not the price of the homes sold in the month. Northern Ireland figures are quarterly.
The trend, July of each year
| Year | Average price | Change on the year before |
|---|---|---|
| 2016 | £189,619 | — |
| 2017 | £195,348 | +3% |
| 2018 | £204,670 | +4.8% |
| 2019 | £206,242 | +0.8% |
| 2020 | £211,705 | +2.6% |
| 2021 | £234,986 | +11% |
| 2022 | £255,778 | +8.8% |
| 2023 | £261,359 | +2.2% |
| 2024 | £262,143 | +0.3% |
| 2025 | £265,146 | +1.1% |
| 2026 | £272,252 | +2.7% |
Sources
- Prices and sales: UK House Price Index, file UK-HPI-full-file-2026-07.csv. Contains HM Land Registry data © Crown copyright and database right 2020. This data is licensed under the Open Government Licence v3.0.
- Purchase tax: rates and sources of the calculator (Welsh Revenue Authority).