Carmarthenshire vs Swansea: buying or renting a home
A typical terraced house costs £12,000 (8%) more in Swansea than in Carmarthenshire. Measured against local pay, buying is harder in Swansea: it takes 4.2× median annual pay, against 3.8× in Carmarthenshire.
At a glance
| Carmarthenshire | Swansea | |
|---|---|---|
| Buying a home | Fairly affordable | Fairly affordable |
| Renting a home | Affordable | Fairly affordable |
| Recorded crime | About average | About 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 Swansea (£36,586) is 2% lower than in Carmarthenshire (£37,405), while a typical terraced house costs 8% more (£155,000 against £143,000). Set against local pay, Carmarthenshire is the easier of the two for a typical earner to buy in.
Buying a terraced house takes 3.8× annual pay in Carmarthenshire and 4.2× in Swansea. Renting one takes 22% of pay in Carmarthenshire and 27% in Swansea. Both are harder in Swansea, and the gap is wider for renting.
Across all property types and measured against pay, Carmarthenshire is the 32nd least expensive of 316 areas to buy in, and Swansea is the 40th least expensive of 316 areas. For renting against pay, Carmarthenshire is the 6th least expensive of 316 areas and Swansea is the 86th least expensive of 316 areas.
Someone on £40,000 in Carmarthenshire would need about £43,500 in Swansea to be equally placed to buy a terraced house, and about £47,500 to be equally placed to rent one. Keeping the same pay after a move to Swansea 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 66.0 crimes per 1,000 residents in Carmarthenshire and 74.2 in Swansea, so recorded crime per resident is 12% higher in Swansea. The biggest difference is in vehicle offences: 1.5 per 1,000 in Carmarthenshire against 3.2 in Swansea.
Can a typical earner buy?
| Terraced house | Carmarthenshire | Swansea |
|---|---|---|
| Median full-time pay | £37,405 | £36,586 |
| House price ÷ pay | 3.8× | 4.2× |
| Median pay as a share of income typically needed to buy | 131% | 118% |
| Rent a year as a share of median pay | 22% | 27% |
Buying, by property type
| Type | Carmarthenshire | Swansea | Difference |
|---|---|---|---|
| Detached | £295,000 | £340,000 | +15% in Swansea |
| Semi-detached | £182,000 | £210,000 | +15% in Swansea |
| Terraced | £143,000 | £155,000 | +8% in Swansea |
Renting, by property type
| Type (average rent a month) | Carmarthenshire | Swansea | Difference |
|---|---|---|---|
| Detached | £850 | £1,090 | +28% in Swansea |
| Semi-detached | £728 | £878 | +21% in Swansea |
| Terraced | £694 | £824 | +19% in Swansea |
Crime
Police recorded 66.0 crimes per 1,000 residents in Carmarthenshire and 74.2 in Swansea, so recorded crime per resident is 12% higher in Swansea.
| Police recorded crime per 1,000 residents | Carmarthenshire | Swansea | Difference |
|---|---|---|---|
| All recorded crime (excluding fraud) | 66.0 | 74.2 | +12% in Swansea |
| Violence against the person | 29.9 | 29.1 | -3% in Swansea |
| Sexual offences | 3.6 | 3.5 | -3% in Swansea |
| Robbery | 0.2 | 0.4 | +74% in Swansea |
| Residential burglary (per 1,000 households) | 4.3 | 2.6 | -39% in Swansea |
| Vehicle offences | 1.5 | 3.2 | +108% in Swansea |
| Theft from the person | 0.2 | 0.5 | +142% in Swansea |
| Criminal damage and arson | 7.9 | 6.8 | -14% in Swansea |
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 | Carmarthenshire | Swansea |
|---|---|---|
| 2005 | 100 | 100 |
| 2006 | 109 | 109 |
| 2007 | 117 | 118 |
| 2008 | 113 | 118 |
| 2009 | 101 | 109 |
| 2010 | 103 | 106 |
| 2011 | 100 | 103 |
| 2012 | 98 | 101 |
| 2013 | 97 | 103 |
| 2014 | 101 | 108 |
| 2015 | 103 | 108 |
| 2016 | 107 | 112 |
| 2017 | 110 | 116 |
| 2018 | 115 | 120 |
| 2019 | 121 | 123 |
| 2020 | 125 | 128 |
| 2021 | 142 | 144 |
| 2022 | 161 | 159 |
| 2023 | 165 | 161 |
| 2024 | 164 | 164 |
| 2025 | 165 | 172 |
| 12 months to July 2026 | 169 | 173 |
In 2005 the average home cost £115,037 in Carmarthenshire and £119,321 in Swansea. Now it is £194,919 and £206,665: Carmarthenshire is up 69% and Swansea is up 73%.
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 | Carmarthenshire | Swansea |
|---|---|---|
| 2005 | 6.1 years of pay | 5.7 years of pay |
| 2010 | 5.3 years of pay | 5.2 years of pay |
| 2015 | 4.9 years of pay | 5.2 years of pay |
| 2020 | 4.9 years of pay | 5.5 years of pay |
| 2025 | 5.1 years of pay | 5.6 years of pay |
In 2005 a home cost 6.1 years of pay in Carmarthenshire and 5.7 years in Swansea. In 2025 it was 5.1 years and 5.6 years.
Affordability has worsened more in Swansea over that time.
How rents have changed in each area
Average monthly rent for all property types, indexed so that 2015 is 100.
Show the figures
| Year | Carmarthenshire | Swansea |
|---|---|---|
| 2015 | 100 | 100 |
| 2016 | 100 | 101 |
| 2017 | 102 | 103 |
| 2018 | 102 | 105 |
| 2019 | 105 | 105 |
| 2020 | 107 | 106 |
| 2021 | 109 | 106 |
| 2022 | 112 | 110 |
| 2023 | 122 | 120 |
| 2024 | 132 | 133 |
| 2025 | 140 | 141 |
| August 2026 | 150 | 151 |
In 2015 the average rent was £459 a month in Carmarthenshire and £565 in Swansea. Now it is £687 and £852: up 50% in Carmarthenshire and up 51% in Swansea.
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 Carmarthenshire to Swansea
| Earning in Carmarthenshire | Equivalent to buy in Swansea | Equivalent to rent in Swansea |
|---|---|---|
| £30,000 | £32,500 | £35,500 |
| £40,000 | £43,500 | £47,500 |
| £50,000 | £54,000 | £59,500 |
| £60,000 | £65,000 | £71,000 |
Moving from Swansea to Carmarthenshire
| Earning in Swansea | Equivalent to buy in Carmarthenshire | Equivalent to rent in Carmarthenshire |
|---|---|---|
| £30,000 | £27,500 | £25,500 |
| £40,000 | £37,000 | £33,500 |
| £50,000 | £46,000 | £42,000 |
| £60,000 | £55,500 | £50,500 |