Rent vs buy calculator · Wales
Rent vs buy in Bridgend: is it cheaper to rent or buy?
Buying leaves you £58,331 better off after 7 years. Owning a 2-bed terraced house costs about £1,133 a month, against £885 to rent the same size home.
- After 7 years
- Buy +£58,331
- Difference in net wealth
- Monthly cost to own
- £1,133
- Mortgage £799, of which £241 is capital
- Monthly cost to rent
- £885
- Rent £701 plus council tax
- Median price
- £155,000
- terraced house
- Cash needed to buy
- £15,500
- £15,500 deposit + £0 LTT
- Price-to-rent ratio
- 18.4
- Price divided by a year of rent
Renting vs buying in Bridgend by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £135,000 | £562 | +£268 | Buy £44,216 |
| 2 bed | £155,000 | £701 | +£248 | Buy £58,331 |
| 3 bed | £220,000 | £816 | +£523 | Buy £61,030 |
| 4+ bed | £328,550 | £1,142 | +£847 | Buy £74,369 |
Average rent and house prices in Bridgend
The ONS average private rent in Bridgend is £763 a month (Aug 2026, provisional), up 7.8% on a year earlier. The median price paid is £219,000 (ONS median price paid, year ending Mar 2026).
Default scenario: 2-bed home, 7 years stay, 10% deposit, 4.80% fixed mortgage, monthly difference invested in a S&S ISA at 7.5%. Council tax is £2,203 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Bridgend: FAQs
Is it cheaper to rent or buy in Bridgend?
For a 2-bed home in Bridgend, owning costs about £1,133 a month and renting about £885, both including council tax. Buying leaves you £58,331 better off after 7 years. This assumes a 2-bed home, 7 years stay, 10% deposit, 4.80% fixed mortgage, monthly difference invested in a S&S ISA at 7.5%.
What is the average rent in Bridgend?
The ONS average private rent in Bridgend is £763 a month across all home sizes (Aug 2026, provisional), with £562 for 1 bed, £701 for 2 bed, £816 for 3 bed, £1,142 for 4 or more bed. Rents rose 7.8% over the past year.
What is the average house price in Bridgend?
The median price paid in Bridgend is £219,000 (ONS median price paid, year ending Mar 2026). The calculator uses £155,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Bridgend?
A first-time buyer paying £155,000 would pay £0 in LTT. With a 10% deposit of £15,500, the cash needed on day one is about £15,500.
What is the price-to-rent ratio in Bridgend?
About 18.4: the 2-bed price is 18.4 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Bridgend?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £74,369 after 7 years.
Areas with a similar price-to-rent ratio
Compare with the Wales average or browse every local authority.