Official statistical benchmark + rule-based calculation · not a lending decision
Can we afford to buy in Caerphilly?
The area’s official average price and residents’ median pay first, then plain arithmetic for your household: deposit, loan, monthly repayment at a rate you choose, and the multiple of your gross income the loan would be. Lenders apply their own tests; none is modelled here.
The area
- Average house price
- £197,272 · Caerphilly, June 2026 · HM Land Registry
- Median full-time pay of residents
- £35,367 a year · 2025, provisional · ONS ASHE
- Price to pay
- 5.6 times one median full-time salary (Civometry ratio)
Rule-based calculation · £197,272 at 10% deposit, 5% over 25 years
£1,038 a month
Deposit £19,727 · loan £177,545 · 5.1 times gross household pay of £35,000
That is 43% of net household pay of £2,393 a month under the 2026/27 rules. The 5% rate is a placeholder you should replace with a real quote: no official average mortgage rate is loaded on this site. Repayment mortgage, fixed rate for the whole term, no fees, no stamp duty.