Rent vs buy calculator · Wales
Rent vs buy in Caerphilly: is it cheaper to rent or buy?
Buying leaves you £58,050 better off after 7 years. Owning a 2-bed terraced house costs about £1,134 a month, against £843 to rent the same size home.
- After 7 years
- Buy +£58,050
- Difference in net wealth
- Monthly cost to own
- £1,134
- Mortgage £825, of which £249 is capital
- Monthly cost to rent
- £843
- Rent £689 plus council tax
- Median price
- £160,000
- terraced house
- Cash needed to buy
- £16,000
- £16,000 deposit + £0 LTT
- Price-to-rent ratio
- 19.4
- Price divided by a year of rent
Renting vs buying in Caerphilly by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £118,250 | £551 | +£178 | Buy £47,710 |
| 2 bed | £160,000 | £689 | +£290 | Buy £58,050 |
| 3 bed | £210,000 | £777 | +£502 | Buy £60,618 |
| 4+ bed | £325,998 | £1,094 | +£880 | Buy £73,241 |
Average rent and house prices in Caerphilly
The ONS average private rent in Caerphilly is £747 a month (Aug 2026, provisional), up 8.1% on a year earlier. The median price paid is £192,750 (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 £1,851 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Caerphilly: FAQs
Is it cheaper to rent or buy in Caerphilly?
For a 2-bed home in Caerphilly, owning costs about £1,134 a month and renting about £843, both including council tax. Buying leaves you £58,050 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 Caerphilly?
The ONS average private rent in Caerphilly is £747 a month across all home sizes (Aug 2026, provisional), with £551 for 1 bed, £689 for 2 bed, £777 for 3 bed, £1,094 for 4 or more bed. Rents rose 8.1% over the past year.
What is the average house price in Caerphilly?
The median price paid in Caerphilly is £192,750 (ONS median price paid, year ending Mar 2026). The calculator uses £160,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Caerphilly?
A first-time buyer paying £160,000 would pay £0 in LTT. With a 10% deposit of £16,000, the cash needed on day one is about £16,000.
What is the price-to-rent ratio in Caerphilly?
About 19.4: the 2-bed price is 19.4 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Caerphilly?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £73,241 after 7 years.
Areas with a similar price-to-rent ratio
Compare with the Wales average or browse every local authority.