Local market reports › SA area › SA43

SA43 local market report Cardigan

Every figure on this page comes from the public record: 6,624 sales registered with HM Land Registry in SA43 (Cardigan) since 1995, each one a completed purchase at a real price, plus current rental figures from the ONS. Nothing here is a valuation, an estimate or an asking price.

Sales data to May 2026. Rents: ONS, May 2026. Regenerated with every monthly data refresh.

SA43 is the postcode district covering Cardigan, Cilgerran, St Dogmaels in Cardigan. Districts are a practical way to slice a market: small enough to mean something locally, big enough to have a steady flow of sales to measure.

What a home in SA43 sells for

The 2026 median in SA43 is £230,000, from 57 registered sales; the mean, £266,400, sits well above it, the signature of a heavy top tail: a handful of expensive sales lifting the average.

For scale: the England and Wales median is £274,000, so SA43 trades 16% below the country as a whole.

In cash terms the typical SA43 home went from £42,000 in 1995 to £230,000 in 2026, roughly 5 times the price. Even after inflation that is a real rise of about 158%: homes here genuinely became dearer, not just more expensive on paper. Measured in today's money the market peaked in 2021; the current median sits about 23% below that. Someone who bought at the 2021 peak has not yet seen that price back in real terms.

The strongest year on record here is 2004 (+35.4% on the year before); the weakest, 2008 (−11.8%). Single-year swings like these are why the annualised table below matters more than any one year's headline.

Annualised returns

Period	Cash, per year	Real terms, per year
1 years (since 2025)	−3.7%	−3.7%
5 years (since 2021)	−1.1%	−5.2%
10 years (since 2016)	+2.8%	−0.4%
20 years (since 2006)	+2.2%	−0.5%

Compound annual growth of the median sold price; the real column deflates by ONS CPIH. Annualised figures smooth the cycle (the chart above shows the cycle), and past growth is a record, not a forecast.

Transaction volumes

SA43 recorded 178 sales in the last twelve months of data. Like most of England and Wales, turnover never fully recovered from 2008: the market here averaged 242 sales a year before the financial crisis and 181 a year over the last five. Volume matters as much as price: when few homes change hands, the median gets jumpy and a single street can move the figure. The most recent year is always still filling in, because sales appear in the Land Registry weeks or months after completion.

What homes rent for around SA43

SA43 falls under Ceredigion, where the ONS puts the average private rent at £714 a month (May 2026 figures). A one-bed averages £555 a month here and a four-or-more-bed £1,074, so size does most of the work in setting the rent.

Set against the £230,000 median sold price, £714 a month is £8,568 a year, a gross yield of 3.7%: gross, before letting costs, voids, maintenance and tax, so a ceiling rather than a promise. Rents are published at local-authority level, so nearby districts in the same authority share these figures.

Will SA43 prices rise from here?

Nobody can tell you that, and this page will not pretend to. What the record shows: the median is down 5% over five years in cash but down 23% after inflation. If you are weighing a purchase, read the volume chart alongside the price one, and remember that every figure here is a completed sale, lagged by the weeks it takes the Land Registry to register it.

Ladders and snakes: five-year risers and fallers

SA43 ranks 43 of 51 in the SA area on five-year growth. The gap between the top and bottom of this chart is the difference between buying well and buying badly in the same city.

Inside SA43, street group by street group

Postcode sectors are the next slice down, each a group of streets. Prices can differ sharply between two sectors a few minutes' walk apart.

Sector	Median (latest)	Sales that year
SA43 1	£265,000	19
SA43 2	£287,500	26
SA43 3	£210,000	12

How SA43 compares nearby

Same city, different markets. The neighbouring districts of the SA area, dearest first:

District	Median	5-year
SA47	£350,000	+87%
SA42	£336,500	-10%
SA3	£320,000	-2%
SA41	£310,000	+12%
SA69	£310,000	+3%
SA67	£296,200	+18%
SA19	£290,000	+9%
SA45	£287,500	+13%
SA32	£282,500	-9%
SA33	£275,000	+12%
SA34	£275,000	-2%
SA63	£275,000	-2%
SA37	£270,000	-8%
SA62	£267,500	+3%
SA44	£265,000	+13%
SA46	£265,000	+14%
SA39	£260,000	+33%
SA35	£244,500	+26%
SA40	£243,500	+22%
SA68	£242,500	+3%
SA66	£241,000	-7%
SA38	£235,000	-13%
SA70	£235,000	-7%
SA43 (this report)	£230,000	-5%

Dig further

See every individual SA43 sale on the live map, mapped to the exact address, or the quick-reference SA43 price page. The report tool writes a custom answer to a specific question, and the mortgage and rent calculator on any sale runs the numbers on a real purchase.

How this page is made: the statistics are computed from HM Land Registry Price Paid Data (Crown copyright, OGL v3.0), geocoded to address level; inflation adjustment uses the ONS CPIH index; rents are the ONS Price Index of Private Rents at local-authority level. Medians of recorded sales, not valuations. Nothing on this page is financial advice.