Birmingham vs Cardiff: buying or renting a home
A typical terraced house costs £47,000 (21%) more in Cardiff than in Birmingham. Measured against local pay, buying is harder in Cardiff: it takes 7.2× median annual pay, against 6.1× in Birmingham.
At a glance
| Birmingham | Cardiff | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Expensive | Expensive |
| Recorded crime | Above average | Above average |
Buying rates the typical price of all homes against median pay; renting rates a year of average rent against median pay; crime rates recorded crime per resident against the England and Wales average.
What the numbers say
Median full-time pay in Cardiff (£36,946) is 3% higher than in Birmingham (£35,989), while a typical terraced house costs 21% more (£267,000 against £220,000). Set against local pay, Birmingham is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 6.1× annual pay in Birmingham and 7.2× in Cardiff. Renting one takes 37% of pay in Birmingham and 38% in Cardiff. Buying is harder in Cardiff; renting is about the same.
Across all property types and measured against pay, Birmingham is the 108th least expensive of 316 areas to buy in, and Cardiff is around the middle of 316 areas (173rd most expensive). For renting against pay, Birmingham is the 112th most expensive of 316 areas and Cardiff is the 98th most expensive of 316 areas.
Someone on £40,000 in Birmingham would need about £48,500 in Cardiff to be equally placed to buy a terraced house, and about £43,000 to be equally placed to rent one. Keeping the same pay after a move to Cardiff would leave you worse placed to buy. These figures compare housing costs only; they ignore other living costs and the pay you could earn in a new job.
Police recorded 114.2 crimes per 1,000 residents in Birmingham and 93.8 in Cardiff, so recorded crime per resident is 18% lower in Cardiff. The biggest difference is in residential burglary: 11.7 per 1,000 in Birmingham against 4.6 in Cardiff.
Can a typical earner buy?
| Terraced house | Birmingham | Cardiff |
|---|---|---|
| Median full-time pay | £35,989 | £36,946 |
| House price ÷ pay | 6.1× | 7.2× |
| Median pay as a share of income typically needed to buy | 82% | 69% |
| Rent a year as a share of median pay | 37% | 38% |
Buying, by property type
| Type | Birmingham | Cardiff | Difference |
|---|---|---|---|
| Detached | £452,500 | £460,000 | +2% in Cardiff |
| Semi-detached | £265,000 | £307,250 | +16% in Cardiff |
| Terraced | £220,000 | £267,000 | +21% in Cardiff |
| Flat | £145,000 | £165,000 | +14% in Cardiff |
Renting, by property type
| Type (average rent a month) | Birmingham | Cardiff | Difference |
|---|---|---|---|
| Detached | £1,434 | £1,516 | +6% in Cardiff |
| Semi-detached | £1,151 | £1,186 | +3% in Cardiff |
| Terraced | £1,095 | £1,177 | +7% in Cardiff |
| Flat | £919 | £995 | +8% in Cardiff |
Crime
Police recorded 114.2 crimes per 1,000 residents in Birmingham and 93.8 in Cardiff, so recorded crime per resident is 18% lower in Cardiff.
| Police recorded crime per 1,000 residents | Birmingham | Cardiff | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 114.2 | 93.8 | -18% in Cardiff |
| Violence against the person | 46.1 | 29.8 | -35% in Cardiff |
| Sexual offences | 4.8 | 3.5 | -28% in Cardiff |
| Robbery | 3.1 | 1.7 | -47% in Cardiff |
| Residential burglary (per 1,000 households) | 11.7 | 4.6 | -61% in Cardiff |
| Vehicle offences | 10.2 | 7.5 | -27% in Cardiff |
| Theft from the person | 1.3 | 0.9 | -30% in Cardiff |
| Criminal damage and arson | 9.1 | 8.0 | -12% in Cardiff |
Rates use resident population, so city centres and student areas show higher crime per resident than residents experience. Recorded crime also depends on reporting and police recording practice.
How prices have changed in each area
Average house price for all property types, indexed so that 2005 is 100. A line at 200 means prices have doubled.
Show the figures
| Year | Birmingham | Cardiff |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 104 | 103 |
| 2007 | 109 | 109 |
| 2008 | 105 | 106 |
| 2009 | 95 | 96 |
| 2010 | 100 | 101 |
| 2011 | 97 | 101 |
| 2012 | 98 | 103 |
| 2013 | 100 | 105 |
| 2014 | 106 | 112 |
| 2015 | 111 | 118 |
| 2016 | 120 | 125 |
| 2017 | 129 | 129 |
| 2018 | 136 | 135 |
| 2019 | 140 | 138 |
| 2020 | 142 | 141 |
| 2021 | 157 | 154 |
| 2022 | 172 | 169 |
| 2023 | 174 | 174 |
| 2024 | 174 | 174 |
| 2025 | 178 | 177 |
| 12 months to July 2026 | 179 | 179 |
In 2005 the average home cost £130,237 in Birmingham and £150,636 in Cardiff. Now it is £232,548 and £270,053: Birmingham is up 79% and Cardiff is up 79%.
Buying a home against local pay, over time
Average house price divided by median full-time pay. Higher means harder to afford.
Show the figures
| Year | Birmingham | Cardiff |
|---|---|---|
| 2005 | 6.1 years of pay | 6.5 years of pay |
| 2010 | 5.5 years of pay | 6.0 years of pay |
| 2015 | 5.8 years of pay | 6.7 years of pay |
| 2020 | 6.3 years of pay | 7.4 years of pay |
| 2025 | 6.5 years of pay | 7.2 years of pay |
In 2005 a home cost 6.1 years of pay in Birmingham and 6.5 years in Cardiff. In 2025 it was 6.5 years and 7.2 years.
How rents have changed in each area
Average monthly rent for all property types, indexed so that 2015 is 100.
Show the figures
| Year | Birmingham | Cardiff |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 105 | 103 |
| 2017 | 108 | 109 |
| 2018 | 111 | 113 |
| 2019 | 113 | 116 |
| 2020 | 116 | 120 |
| 2021 | 118 | 124 |
| 2022 | 122 | 124 |
| 2023 | 132 | 134 |
| 2024 | 147 | 149 |
| 2025 | 156 | 163 |
| August 2026 | 161 | 170 |
In 2015 the average rent was £682 a month in Birmingham and £691 in Cardiff. Now it is £1,099 and £1,177: up 61% in Birmingham and up 70% in Cardiff. Rents have risen faster in Cardiff.
What your salary is worth in each area
Salary needed to afford the same kind of home (terraced), going by median prices and average rents.
Moving from Birmingham to Cardiff
| Earning in Birmingham | Equivalent to buy in Cardiff | Equivalent to rent in Cardiff |
|---|---|---|
| £30,000 | £36,500 | £32,000 |
| £40,000 | £48,500 | £43,000 |
| £50,000 | £60,500 | £53,500 |
| £60,000 | £73,000 | £64,500 |
Moving from Cardiff to Birmingham
| Earning in Cardiff | Equivalent to buy in Birmingham | Equivalent to rent in Birmingham |
|---|---|---|
| £30,000 | £24,500 | £28,000 |
| £40,000 | £33,000 | £37,000 |
| £50,000 | £41,000 | £46,500 |
| £60,000 | £49,500 | £56,000 |