Rent vs buy calculator · Wales
Rent vs buy in Powys: is it cheaper to rent or buy?
Buying leaves you £49,479 better off after 7 years. Owning a 2-bed terraced house costs about £1,213 a month, against £752 to rent the same size home.
- After 7 years
- Buy +£49,479
- Difference in net wealth
- Monthly cost to own
- £1,213
- Mortgage £877, of which £265 is capital
- Monthly cost to rent
- £752
- Rent £578 plus council tax
- Median price
- £170,000
- terraced house
- Cash needed to buy
- £17,000
- £17,000 deposit + £0 LTT
- Price-to-rent ratio
- 24.5
- Price divided by a year of rent
Renting vs buying in Powys by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £100,000 | £462 | +£158 | Buy £44,272 |
| 2 bed | £170,000 | £578 | +£461 | Buy £49,479 |
| 3 bed | £212,750 | £700 | +£595 | Buy £59,819 |
| 4+ bed | £339,750 | £950 | +£1,106 | Buy £66,064 |
Average rent and house prices in Powys
The ONS average private rent in Powys is £621 a month (Aug 2026, provisional), up 9.1% on a year earlier. The median price paid is £250,000 (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 £2,090 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Powys: FAQs
Is it cheaper to rent or buy in Powys?
For a 2-bed home in Powys, owning costs about £1,213 a month and renting about £752, both including council tax. Buying leaves you £49,479 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 Powys?
The ONS average private rent in Powys is £621 a month across all home sizes (Aug 2026, provisional), with £462 for 1 bed, £578 for 2 bed, £700 for 3 bed, £950 for 4 or more bed. Rents rose 9.1% over the past year.
What is the average house price in Powys?
The median price paid in Powys is £250,000 (ONS median price paid, year ending Mar 2026). The calculator uses £170,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Powys?
A first-time buyer paying £170,000 would pay £0 in LTT. With a 10% deposit of £17,000, the cash needed on day one is about £17,000.
What is the price-to-rent ratio in Powys?
About 24.5: the 2-bed price is 24.5 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Powys?
On the default assumptions, a 4+-bed home gives buying its strongest position: buying ahead by £66,064 after 7 years.
Areas with a similar price-to-rent ratio
Compare with the Wales average or browse every local authority.