Rent vs buy calculator · Wales
Rent vs buy in Rhondda Cynon Taf: is it cheaper to rent or buy?
Buying leaves you £21,535 better off after 7 years. Owning a 2-bed terraced house costs about £993 a month, against £845 to rent the same size home.
- After 7 years
- Buy +£21,535
- Difference in net wealth
- Monthly cost to own
- £993
- Mortgage £691, of which £209 is capital
- Monthly cost to rent
- £845
- Rent £675 plus council tax
- Median price
- £134,000
- terraced house
- Cash needed to buy
- £13,400
- £13,400 deposit + £0 LTT
- Price-to-rent ratio
- 16.5
- Price divided by a year of rent
Renting vs buying in Rhondda Cynon Taf by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £107,000 | £528 | +£134 | Buy £15,442 |
| 2 bed | £134,000 | £675 | +£149 | Buy £21,535 |
| 3 bed | £208,000 | £758 | +£509 | Close £1,481 |
| 4+ bed | £335,000 | £995 | +£1,033 | Rent £30,357 |
Average rent and house prices in Rhondda Cynon Taf
The ONS average private rent in Rhondda Cynon Taf is £754 a month (Aug 2026, provisional), up 1.7% on a year earlier. The median price paid is £165,000 (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 £2,035 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Rhondda Cynon Taf: FAQs
Is it cheaper to rent or buy in Rhondda Cynon Taf?
For a 2-bed home in Rhondda Cynon Taf, owning costs about £993 a month and renting about £845, both including council tax. Buying leaves you £21,535 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 Rhondda Cynon Taf?
The ONS average private rent in Rhondda Cynon Taf is £754 a month across all home sizes (Aug 2026, provisional), with £528 for 1 bed, £675 for 2 bed, £758 for 3 bed, £995 for 4 or more bed. Rents rose 1.7% over the past year.
What is the average house price in Rhondda Cynon Taf?
The median price paid in Rhondda Cynon Taf is £165,000 (ONS median price paid, year ending Mar 2026). The calculator uses £134,000 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Rhondda Cynon Taf?
A first-time buyer paying £134,000 would pay £0 in LTT. With a 10% deposit of £13,400, the cash needed on day one is about £13,400.
What is the price-to-rent ratio in Rhondda Cynon Taf?
About 16.5: the 2-bed price is 16.5 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Rhondda Cynon Taf?
On the default assumptions, a 2-bed home gives buying its strongest position: buying ahead by £21,535 after 7 years.
How many years until buying pays off in Rhondda Cynon Taf?
The lead first changes hands in year 2 on the default settings. Staying longer spreads stamp duty and selling costs over more years.
Areas with a similar price-to-rent ratio
Compare with the Wales average or browse every local authority.