Wales

House prices in Cardiff: July 2026 and purchase tax

Average prices of the UK House Price Index (HM Land Registry, Registers of Scotland, Land & Property Services and ONS), July 2026, all property types. 4,368 sales over the latest twelve months with complete volumes.

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.

Calculate for Cardiff

If you buy

Land Transaction Tax and registration in Cardiff

Rates of Welsh Revenue Authority, set at the average price in Cardiff (July 2026). Change any field: the amounts are recalculated instantly.

Rates appliedstandard rates
Land Transaction Tax£2,835
Share of the price1.04%
HM Land Registry fee (online application)£150
Total, tax and registration£2,985
Return and payment30 days

Residential purchase by an individual. Not included: conveyancer, survey and lender fees (no official scale). No mortgage figure: Payotte has no official UK mortgage rate to apply. All the rates and sources.

If you sell

Capital Gains Tax on the sale

Your main home, lived in for all the time you owned it: no tax (Private Residence Relief). A second home or a buy-to-let: Capital Gains Tax, same rates in all four nations.

Gain£82,633
Taxable after the £3,000 allowance£79,633
Rate24%
Capital Gains Tax£19,112

Report and pay within 60 days of completion. Assumes no other gains this tax year and the whole £3,000 allowance unused (2026 to 2027).

Default example: bought at the average price in Cardiff in July 2016 (£189,619), sold at the July 2026 average (£272,252), UK House Price Index. Rates for 2026 to 2027: 24% for higher and additional rate taxpayers; for basic rate taxpayers, 18% on the part of the gain that fits in the £37,700 basic Income Tax band once added to taxable income (income minus Personal Allowance), 24% above (HMRC). Gain = sale price − purchase price − costs of buying, selling and improving; Payotte does not estimate those costs (no official scale). GOV.UK: Capital Gains Tax rates · Tax when you sell your home.

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 much tax when you sell a home in Cardiff?

None on your main home if it was your only home, lived in for all the time you owned it, not let out and not used exclusively for business (Private Residence Relief). A second home or a buy-to-let pays Capital Gains Tax, at the same rates in all four nations: 24% for a higher or additional rate taxpayer and 18% for a basic rate taxpayer on the part of the gain within the basic Income Tax band, on the gain above the £3,000 tax-free allowance (2026 to 2027). Bought at the average price in Cardiff in July 2016 (£189,619) and sold at the July 2026 average (£272,252), the gain of £82,633 costs a higher rate taxpayer £19,112, before deducting the costs of buying, selling and improving. The tax is reported and paid within 60 days of completion (HMRC).

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

TypeAverage priceWales
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

YearAverage priceChange 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