Cheapest Places to Buy a House or Flat in Cardiff

The cheapest place to buy a house or flat in Cardiff is CF10, the postcode district covering Butetown, part of Cardiff Bay and part of the city centre, where the average asking price is £188,106. CF24 (Cathays, Roath, Splott and Adamsdown) is second at £252,936 and CF11 (Canton and Grangetown) third at £255,842. That average mixes flats and houses, and in CF10 flats are 58.6% of the housing stock. CF3, around Rumney, Llanrumney and St Mellons, is the cheapest district where fewer than one home in ten is a flat. It is fourth at £302,034.

No Cardiff district has an average asking price anywhere near £100,000. The lowest is nearly double that. And if another list of cheap Cardiff areas has pointed you to Pontypridd, Barry or Bridgend, those towns have CF postcodes but they are not in Cardiff. This page ranks Cardiff itself.

Article published: September 2026

Where Cardiff's Cheapest Postcode Districts Are

The shading shows each district's average asking price band, houses and flats together, August 2026. All 8 districts are in the ranking table further down. Tap a district to see its figure.

Choose a postcode districtSelect a districtCF3 · Rumney, Trowbridge, Llanrumney, St Mellons, Castleton, MarshfieldCF5 · Ely, Caerau, St Fagans, Culverhouse Cross, Canton, Leckwith, Fairwater, Danescourt, Llandaff, Riverside, Wenvoe, Peterston-super-Ely, St Georges-super-Ely, Michaelston-le-Pit, Michaelston-super-Ely, St Brides-super-ElyCF10 · Cardiff city centre (part), Grangetown, Cardiff Bay (part), ButetownCF11 · Cardiff city centre (part), Canton, Cardiff Bay (part), GrangetownCF14 · Birchgrove, Whitchurch, Thornhill, Lisvane, Rhiwbina, Pantmawr, Gabalfa, Heath, Llandaff North, LlanishenCF15 · Pentyrch, Gwaelod-y-Garth, Creigiau, Radyr, Morganstown, Tongwynlais, Taffs Well, Nantgarw, GroeswenCF23 · Llanishen, Cyncoed, Pentwyn, Penylan, Pontprennau, Old St MellonsCF24 · Cardiff city centre (part), Cathays, Roath, Plasnewydd, Splott, Adamsdown

Average asking price, houses and flats together, August 2026

• Below £200,000
• £200,000 to £249,999
• £250,000 to £299,999
• £300,000 to £399,999
• £400,000 and above
• No asking-price figure

Sources: PropertyData postcode key stats, August 2026; District boundaries derived from OS Code-Point Open: contains Ordnance Survey data © Crown copyright and database right 2026, Royal Mail data © Royal Mail copyright and database right 2026, National Statistics data © Crown copyright and database right 2026; District coverage names from the Wikipedia CF postcode area list, CC BY-SA 4.0.

The cheapest three of Cardiff's eight residential districts meet in the middle. CF10, CF24 and CF11 each take a part of the city centre. From there CF10 carries on through Butetown to Cardiff Bay, CF24 covers Cathays, Roath, Plasnewydd, Splott and Adamsdown, and CF11 takes in Canton, Grangetown and the other part of the Bay.

CF3 is the east side of the city, around Rumney, Trowbridge, Llanrumney and St Mellons, and CF5 the west, from Ely, Caerau and Fairwater to Llandaff and St Fagans. The north is split between CF14 (Whitchurch, Rhiwbina, Heath, Thornhill, Lisvane) and CF23 (Cyncoed, Penylan, Pentwyn, Pontprennau), with CF15 on the north-west edge around Radyr, Pentyrch, Creigiau and Tongwynlais.

Postcode districts do not stop at the council boundary. On Ordnance Survey postcode data, CF10, CF23 and CF24 are wholly inside the Cardiff council area, and so is all but one postcode in CF14 and all but 10 of the 870 in CF11. About nine in ten postcodes in CF3 and in CF5 are in Cardiff. The rest of CF3 is nearly all in Newport, where Castleton and Marshfield are, and the rest of CF5 is in the Vale of Glamorgan, which is where Wenvoe, Peterston-super-Ely and St Brides-super-Ely are. CF15 has the biggest share outside, about a quarter of its postcodes. Nearly all of those are in Rhondda Cynon Taf, where Taffs Well and Nantgarw are, and a few are in Caerphilly.

Prices on the map rise from the middle outwards. The three central districts are the cheapest, the east is fourth, the west fifth, the two northern districts sixth and seventh, and CF15 on the north-west edge is the dearest.

The CF postcode area is far bigger than Cardiff. It also covers Bridgend, Porthcawl, Barry, Penarth, Pontypridd, the Rhondda towns, Aberdare, Merthyr Tydfil and Caerphilly. All of those are in other council areas. A district is ranked on this page when it has homes in it and at least one in twenty of its postcodes is inside the Cardiff council area, which these eight are. A handful of other Cardiff codes are used only for large organisations' mail and have no homes to price. CF72 (Pontyclun) and CF83 (Caerphilly) clip the boundary with 4 and 3 Cardiff postcodes each, and they are left out.

Cheapest Places to Buy a House in Cardiff: All 8 Districts Ranked

Cardiff has only eight postcode districts with homes in them, so all eight are in the table, cheapest first. They are ranked on August 2026 data for homes on the market, which gives an average asking price with houses and flats counted together. The right-hand column is built from completed sales, February 2025 to June 2026, and shows what buyers paid for each square foot.

Two districts are flat-heavy, and they are first and second in the table. Flats are 58.6% of the housing stock in CF10 and 46.1% in CF24, on housing stock figures retrieved in June 2026. In CF3, fourth, the share is 6.3%. Keep that in mind before you read the top two rows as house prices. Each row names only some of the places its district covers, and a few names, Grangetown, Canton, Cardiff Bay and Llanishen among them, belong to two districts at once.

The table stops at prices. What each of the eight districts rents for, and the yield on it, is in our Cardiff buy-to-let research.

Butetown and Cardiff Bay are cheapest by £64,830, and most of the homes there are flats

The step from first place to second is the biggest in the table. CF10 averages £188,106 and CF24, the next district up, is £64,830 higher. Butetown and the Bay's district is also the only one where flats are the majority of the housing stock. The asking-price average counts flats and houses together and does not say how the listings split between them, so the district figure will not tell you what a house in Butetown costs.

Buyers paid the least for space here as well. On sold-price-per-square-foot data retrieved in August 2026, CF10 averaged £252 from 308 sales, the lowest figure in the table. Waterside districts do not always work out that way. On our page about the cheapest place to buy a house in Manchester, Salford Quays was fourth cheapest on asking price, yet only eight of that page's 40 districts cost more per square foot. Cardiff Bay's district comes first on both.

Roath and Splott ask the same as Canton and Grangetown, and sold for less per square foot

Second and third place are £2,906 apart, which is next to nothing on a quarter of a million pounds: £252,936 in CF24 and £255,842 in CF11. What buyers paid per square foot tells them apart. Buyers in CF24 paid £265 a square foot across 708 sales, and buyers in CF11 paid £287 across 671. That is £22 more for every square foot, or about 8%.

The housing stock is different too. Flats are 46.1% of the homes in CF24 and 27.0% in CF11. Those three figures come from three different sets of homes, so they will not add up to a typical home in either district. What they do show is one headline price and two different prices for the space.

Grangetown, Canton and Llanishen each fall in two districts

Postcode districts do not follow neighbourhood lines, and three Cardiff names show it. Grangetown is listed under CF10 and CF11, whose averages are £67,736 apart. Canton is listed under CF11 and CF5, and that gap is £104,118. Llanishen is shared between CF23 and CF14, which are only £8,069 apart.

A home advertised as Canton could be in the third cheapest district or the fifth, and the name will not tell you which. The first half of the postcode will. Each average covers everything in its district, so CF5's £359,960 is not a price for the Canton end of CF5.

Rumney, Llanrumney and St Mellons are fourth cheapest on asking price and third cheapest per square foot

CF3 has the smallest share of flats of any district here, at 6.3% of the housing stock. Its asking average of £302,034 is £46,192 above CF11. Per square foot the two swap places. Buyers in CF3 paid £281 across 733 sales against £287 in CF11, and only CF10 and CF24 were cheaper for space.

Just under a tenth of CF3's postcodes are outside Cardiff, nearly all of them in Newport, where Castleton and Marshfield are. The district takes in homes outside the city, and its average can include them.

Whitchurch and Rhiwbina buyers paid the most per square foot, on the biggest sample in the table

CF14 averaged £341 a square foot across 1,310 sales. No district has a higher figure or more sales behind it. Radyr and Pentyrch's CF15 tops the asking-price column at £416,671, which is more than double CF10 and £37,470 above CF14, but its buyers paid £329 a square foot, and that figure comes from the smallest sample of the eight, 294 sales.

Just below CF15 the asking prices bunch up. CF5, CF23 and CF14 are within £19,241 of each other.

From Cathays to Taffs Well, the cheapest sales were closer together than the averages

District averages go from £252 to £341 a square foot. The cheapest single sale in each district was between £92 and £131. The lowest of all, £92, was in CF24 and not in the district with the lowest average. In CF15, the dearest district on asking price, the cheapest sale was £131 a square foot, about half of CF10's average.

The ranges overlap in the middle as well. Between £262 and £327 a square foot you are inside the middle 70% of sales for both CF10, the cheapest district for space, and CF14, the dearest.

CF5 shows how wide one district can be. Its coverage list goes from Ely and Caerau to Llandaff and villages in the Vale, and its 1,096 sales ran from £110 to £780 a square foot. For what homes on one street actually sold for, HM Land Registry's price paid search is free and can be searched by street or postcode.

Are There Houses for Sale in Cardiff Under £100k?

Not on any district's average asking price. The cheapest of the eight, CF10, averages £188,106, so £100,000 is a little over half of it. A single home can still sell for far less than its district's figure suggests. In every one of the eight districts, the cheapest sale went for less than half the district's average price per square foot. That is a price for space, though, and this data does not give the price of the home. Homes for sale today are on the property portals. This page compares districts and does not list homes.

The only averages under £100,000 in this comparison are outside Cardiff, and they are for flats. July 2026 sold prices in the UK House Price Index put the average flat at £69,683 in Merthyr Tydfil and £85,525 in Rhondda Cynon Taf. No other average among Cardiff and the six council areas compared further down was under £100,000, and Caerphilly's flats were just over at £106,676. In Cardiff itself the average flat sold for £160,574. No terraced average got close, the lowest being £134,360 in Merthyr Tydfil. Sold prices in July 2026 and asking prices in August 2026 are different measures taken from different homes, so the two sets of figures will not line up exactly.

For individual postcode districts, our research on the cheapest places to live in Wales ranks Welsh districts on average sold prices, which is a different measure from the asking prices ranked here. It finds two under £100,000: CF43 (Ferndale) at £83,116 and NP24 (New Tredegar) at £94,242. Ferndale is one of those CF postcodes that is not in Cardiff. England and the rest of the UK get the same sold-price treatment in our research on the cheapest houses in England.

Some listings under £100,000 are for part of a home. Under the Welsh Government's shared ownership guidance, a buyer purchases an initial share of between 25% and 75% of the value of the property and pays rent on the remaining share. The smallest share allowed, 25%, of CF10's £188,106 average comes to about £47,026, and a 50% share to about £94,053. Either price would appear in a search capped at £100,000 while buying only part of the property.

Butetown's district is cheap next to the rest of Cardiff. Below market value properties can turn up in any of the eight, because the term is about one home's price against what that home is worth. The properties on our site are for investors and come from across the UK, so they are not a list of Cardiff homes by price. The buy to let property for sale page shows what is available at the moment.

How Affordable Are Cardiff's Cheapest Areas?

Price to household income runs from 4.7 times in CF10 (Butetown and Cardiff Bay) to 8.9 times in CF5 (Ely, Fairwater and Llandaff). The household incomes behind those ratios go from £37,100 to £50,300.

Household income is the average for a household in the area, on household income figures retrieved in September 2026. Two earners under one roof are added together into one household figure. Nobody's payslip matches it and no mortgage is worked out from it. It is a figure for the people who live in a district, and a buyer moving in may earn more or less than they do.

Pay is a different measure again. Median full-time pay for people living in Cardiff was £712 a week in 2025 on the ONS's Cardiff labour market profile, against £719 for Wales and £767 for Great Britain. That is one person, measured across the whole city, so it does not line up with any one district's household figure.

Butetown and the Bay have the lowest price to household income ratio, and it comes from the price

The household income in CF10 is the third lowest in the table, so income is not what pulls its figure down. The £188,106 asking average does that. The next lowest is CF11 at 6.3 times, a gap of 1.6. Most of CF10's homes are flats, and the income figure covers every household whatever they live in. If you are looking at a house in Butetown, remember that 4.7 times is worked out on an average that includes the flats. It is not a ratio for that house.

Second on price is not second on this measure. Cathays, Roath and Splott's CF24 has the lowest household income of all, £37,100, and that puts it at 6.8 times, above CF11, on a slightly lower asking price.

Canton's two districts have the same household income and very different price to income ratios

Canton is split between CF11 and CF5, and both show £40,400. The asking average in CF5 is £104,118 higher, and that takes it to 8.9 times, the highest of the lot. The three dearer districts all come out lower than CF5 because their household incomes are higher, from £46,400 in CF23 up to £50,300 in CF15. If you are weighing Canton, check which of the two postcodes the home is in before reading across this table.

From Rumney to Radyr the price to household income ratio hardly moves

Four districts are between 7.9 and 8.3 times: CF3, CF23, CF14 and CF15. Their asking averages are £114,637 apart from bottom to top, and household incomes rise almost in step with them. On this measure the dearest district in Cardiff comes out about the same as the fourth cheapest.

First-Time Buyers in Cardiff: Prices and Deposits by Property Type

A terraced house in Cardiff sold for £101,667 more than a flat in July 2026: £262,241 against £160,574. Both figures come from the UK House Price Index and cover the whole Cardiff council area, not one district.

Deposits vary from one buyer and one lender to the next. Every deposit in the table uses the same 30% purely for illustration; it is not a lender's requirement. On that basis, 30% of the flat average is £48,172, which leaves a balance of £112,402. For the terrace the two figures are £78,672 and £183,569.

None of these figures include the tax on the purchase. Wales charges Land Transaction Tax, which replaced stamp duty land tax in Wales from 1 April 2018 according to the Welsh Government's overview. Our Land Transaction Tax calculator works it out for any price.

In Cardiff, flat to terrace is a bigger step than terrace to semi

A semi averaged £62,618 more than a terrace. The £101,667 between a flat and a terrace is a good deal bigger, and on the illustrative 30% it means £30,500 more deposit and a balance £71,167 bigger. If you are choosing between a flat and a house in Cardiff, that first step is the expensive one. Only semi to detached is bigger, at £194,254.

The district ranking uses asking prices, so it can only be set beside these sold figures loosely. CF10's £188,106 asking average falls in that gap, £27,532 above the flat figure and £74,135 below the terrace. The averages for CF24 and CF11 come in just under the terrace figure. None of that says what is for sale in those districts at either price.

Cardiff flats sold for about 25% more than the Wales average, and Cardiff houses for more than 50% more

Across all property types Cardiff was 26.6% above the Wales average of £215,037. The all-types figure hides a split. A Cardiff flat was 24.9% above the Wales flat average of £128,586. A terrace was 52.2% above, a semi 51.1% and a detached house 54.4%. For a house, the all-types comparison with Wales understates the gap by about half.

Cardiff flats were the one property type that did not rise

Cardiff's all-types average in July 2026 was 2.7% higher than in July 2025. Semis rose the most at 3.8%, then terraces at 3.6% and detached houses at 2.5%. Flats slipped by 0.1%. Wales as a whole showed the same split, with flats down 0.3%. The index stops at council level, so it has nothing to say about Butetown or Cathays on their own.

Those are past readings, not a forecast: the UK House Price Index methodology adjusts for the mix of homes sold each month, and its first estimate for a month is built from roughly 40% of the sales that will eventually be registered, so the latest months get revised as the rest come in.

Cheaper Alternatives Near Cardiff

Of the four council areas that border Cardiff, Rhondda Cynon Taf had the lowest average sold price in July 2026: £164,192, which is £108,060 under Cardiff's £272,252. Merthyr Tydfil, which does not touch Cardiff, was lower still at £156,721.

Four of the six council areas in the table share a boundary with Cardiff: the Vale of Glamorgan, Rhondda Cynon Taf, Caerphilly and Newport. Bridgend and Merthyr Tydfil do not. Bridgend lies beyond the Vale and Rhondda Cynon Taf, and Merthyr Tydfil beyond Rhondda Cynon Taf and Caerphilly. Sold prices are published for whole council areas, and a council area is bigger than the town it is known for. Rhondda Cynon Taf takes in Pontypridd and the Rhondda towns, the Vale of Glamorgan takes in Barry, and Bridgend council covers Maesteg and Porthcawl as well as Bridgend. These are the CF-postcode places the ranking left out.

Against the Wales average of £215,037, four of the six were lower: Merthyr Tydfil, Rhondda Cynon Taf, Caerphilly and Bridgend. Newport, Cardiff and the Vale of Glamorgan were above it.

A terraced house in Rhondda Cynon Taf or Merthyr Tydfil cost less than a flat in Cardiff

Cardiff's flat average was £160,574. Terraced houses averaged £143,432 in Rhondda Cynon Taf and £134,360 in Merthyr Tydfil, so a whole house in either came in £17,142 and £26,214 below the Cardiff flat. Those two council areas were also the cheapest for every property type, Merthyr Tydfil first and Rhondda Cynon Taf second. If a flat is what you are pricing, the Rhondda Cynon Taf average was £75,049 below Cardiff's.

The Vale of Glamorgan's average is above Cardiff's, yet its flats, terraces and semis sold for less

The Vale's all-types average was £30,860 above Cardiff's. Type by type it mostly went the other way. Flats were £4,775 cheaper than in Cardiff, terraces £14,428 and semis £6,212. Only detached houses cost more, at £539,042 against £519,113. For the Vale against Cardiff, the type of home matters more than the all-types column.

A semi cost less than a Cardiff terrace in five of the six areas

Semi-detached houses averaged less than Cardiff's £262,241 terrace everywhere except the Vale of Glamorgan: £168,807 in Merthyr Tydfil, £178,914 in Rhondda Cynon Taf, £201,948 in Caerphilly, £206,943 in Bridgend and £247,143 in Newport. The Newport semi was £15,098 under the Cardiff terrace. Even a detached house in Merthyr Tydfil, at £265,953, was only £3,712 above it.

Newport rose the least over the year and the Vale of Glamorgan the most

Nowhere in the table fell over the year to July 2026 on the all-types figure. The Vale of Glamorgan was up 6.2% and Rhondda Cynon Taf 4.7%, while Newport rose 2.0%, less than Cardiff. Flats were the weakest property type in every one of the seven. In Newport they fell 1.3%, in Bridgend they did not move, and in the three Valleys council areas they rose by 0.4% or less. The Vale was the exception again, with flats up 3.0%. Every one of these is a provisional reading of the year just gone.

For Cardiff, the rent that goes with each of these prices is in a separate guide

I have always bought for income first and never chased capital growth, and the rents and yields that go with these prices are not on this page. They are in our Cardiff buy-to-let guide, postcode by postcode.

Investors can also ask us about individual investment properties anywhere in the UK.

Contains HM Land Registry data © Crown copyright and database right 2020. This data is licensed under the Open Government Licence v3.0.

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