Rent vs buy calculator · Wales
Rent vs buy in Flintshire: is it cheaper to rent or buy?
Buying leaves you £60,062 better off after 7 years. Owning a 2-bed terraced house costs about £1,145 a month, against £932 to rent the same size home.
- After 7 years
- Buy +£60,062
- Difference in net wealth
- Monthly cost to own
- £1,145
- Mortgage £816, of which £246 is capital
- Monthly cost to rent
- £932
- Rent £756 plus council tax
- Median price
- £158,250
- terraced house
- Cash needed to buy
- £15,825
- £15,825 deposit + £0 LTT
- Price-to-rent ratio
- 17.4
- Price divided by a year of rent
Renting vs buying in Flintshire by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £125,250 | £593 | +£178 | Buy £46,353 |
| 2 bed | £158,250 | £756 | +£213 | Buy £60,062 |
| 3 bed | £190,000 | £892 | +£267 | Buy £70,589 |
| 4+ bed | £305,000 | £1,323 | +£525 | Buy £94,842 |
Average rent and house prices in Flintshire
The ONS average private rent in Flintshire is £811 a month (Aug 2026, provisional), up 7.2% on a year earlier. The median price paid is £220,000 (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 £2,112 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Flintshire: FAQs
Is it cheaper to rent or buy in Flintshire?
For a 2-bed home in Flintshire, owning costs about £1,145 a month and renting about £932, both including council tax. Buying leaves you £60,062 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 Flintshire?
The ONS average private rent in Flintshire is £811 a month across all home sizes (Aug 2026, provisional), with £593 for 1 bed, £756 for 2 bed, £892 for 3 bed, £1,323 for 4 or more bed. Rents rose 7.2% over the past year.
What is the average house price in Flintshire?
The median price paid in Flintshire is £220,000 (ONS median price paid, year ending Mar 2026). The calculator uses £158,250 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Flintshire?
A first-time buyer paying £158,250 would pay £0 in LTT. With a 10% deposit of £15,825, the cash needed on day one is about £15,825.
What is the price-to-rent ratio in Flintshire?
About 17.4: the 2-bed price is 17.4 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Flintshire?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £94,842 after 7 years.
Areas with a similar price-to-rent ratio
Compare with the Wales average or browse every local authority.