Rent vs buy calculator · Wales
Rent vs buy in Pembrokeshire: is it cheaper to rent or buy?
Buying leaves you £27,410 better off after 7 years. Owning a 2-bed terraced house costs about £1,140 a month, against £800 to rent the same size home.
- After 7 years
- Buy +£27,410
- Difference in net wealth
- Monthly cost to own
- £1,140
- Mortgage £825, of which £249 is capital
- Monthly cost to rent
- £800
- Rent £640 plus council tax
- Median price
- £160,000
- terraced house
- Cash needed to buy
- £16,000
- £16,000 deposit + £0 LTT
- Price-to-rent ratio
- 20.8
- Price divided by a year of rent
Renting vs buying in Pembrokeshire by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £140,000 | £514 | +£345 | Buy £18,062 |
| 2 bed | £160,000 | £640 | +£339 | Buy £27,410 |
| 3 bed | £195,000 | £760 | +£429 | Buy £31,487 |
| 4+ bed | £312,000 | £1,036 | +£854 | Buy £23,672 |
Average rent and house prices in Pembrokeshire
The ONS average private rent in Pembrokeshire is £694 a month (Aug 2026, provisional), up 4.7% 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 £1,925 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Pembrokeshire: FAQs
Is it cheaper to rent or buy in Pembrokeshire?
For a 2-bed home in Pembrokeshire, owning costs about £1,140 a month and renting about £800, both including council tax. Buying leaves you £27,410 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 Pembrokeshire?
The ONS average private rent in Pembrokeshire is £694 a month across all home sizes (Aug 2026, provisional), with £514 for 1 bed, £640 for 2 bed, £760 for 3 bed, £1,036 for 4 or more bed. Rents rose 4.7% over the past year.
What is the average house price in Pembrokeshire?
The median price paid in Pembrokeshire is £220,000 (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 Pembrokeshire?
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 Pembrokeshire?
About 20.8: the 2-bed price is 20.8 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Pembrokeshire?
On the default assumptions, a 3-bed home gives buying its strongest position: buying ahead by £31,487 after 7 years.
Areas with a similar price-to-rent ratio
Compare with the Wales average or browse every local authority.