Rent vs buy calculator · Wales
Rent vs buy in Vale of Glamorgan: is it cheaper to rent or buy?
Buying leaves you £18,913 better off after 7 years. Owning a 2-bed terraced house costs about £1,537 a month, against £1,053 to rent the same size home.
- After 7 years
- Buy +£18,913
- Difference in net wealth
- Monthly cost to own
- £1,537
- Mortgage £1,163, of which £351 is capital
- Monthly cost to rent
- £1,053
- Rent £888 plus council tax
- Median price
- £225,500
- terraced house
- Cash needed to buy
- £22,580
- £22,550 deposit + £30 LTT
- Price-to-rent ratio
- 21.2
- Price divided by a year of rent
Renting vs buying in Vale of Glamorgan by home size
| Bedrooms | Price | Rent / mo | Owning vs renting / mo | After 7 yrs |
|---|---|---|---|---|
| 1 bed | £165,000 | £726 | +£283 | Buy £21,922 |
| 2 bed | £225,500 | £888 | +£484 | Buy £18,913 |
| 3 bed | £288,498 | £997 | +£752 | Close £3,668 |
| 4+ bed | £460,000 | £1,478 | +£1,298 | Rent £17,763 |
Average rent and house prices in Vale of Glamorgan
The ONS average private rent in Vale of Glamorgan is £982 a month (Aug 2026, provisional), up 2.7% on a year earlier. The median price paid is £285,000 (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 £1,984 a year (Band C) and is paid whether you rent or buy, so it does not change the verdict.
Renting or buying in Vale of Glamorgan: FAQs
Is it cheaper to rent or buy in Vale of Glamorgan?
For a 2-bed home in Vale of Glamorgan, owning costs about £1,537 a month and renting about £1,053, both including council tax. Buying leaves you £18,913 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 Vale of Glamorgan?
The ONS average private rent in Vale of Glamorgan is £982 a month across all home sizes (Aug 2026, provisional), with £726 for 1 bed, £888 for 2 bed, £997 for 3 bed, £1,478 for 4 or more bed. Rents rose 2.7% over the past year.
What is the average house price in Vale of Glamorgan?
The median price paid in Vale of Glamorgan is £285,000 (ONS median price paid, year ending Mar 2026). The calculator uses £225,500 for a terraced house, the property type typical for a 2-bed home.
How much is stamp duty on an average home in Vale of Glamorgan?
A first-time buyer paying £225,500 would pay £30 in LTT. With a 10% deposit of £22,550, the cash needed on day one is about £22,580.
What is the price-to-rent ratio in Vale of Glamorgan?
About 21.2: the 2-bed price is 21.2 times a year of rent. Higher ratios favour renting; lower ratios favour buying.
Which home size is best value to buy in Vale of Glamorgan?
On the default assumptions, a 1-bed home gives buying its strongest position: buying ahead by £21,922 after 7 years.
How many years until buying pays off in Vale of Glamorgan?
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.