Best Areas for First-Time Buyers in Cardiff for £250 – £300k

Got your heart set on the heart of Cardiff but struggling to decide on the best area for you? When you’re looking to get onto the property ladder as a first-time buyer, your budgets are tight and housing opportunities can feel scarce.

Finding the best areas to live in Cardiff that match both your lifestyle and finances is a common challenge for many first time buyers in Cardiff – especially when your budget is between £250,000 and £300,000.

Whether you’re searching for houses to buy in Cardiff or a modern flat, knowing your way around the property market is the best place to start when choosing where to settle.

In this article, we explore the best areas to stay in Cardiff for first-time buyers on a budget. We unpack all of the different property options, local amenities, and help match you to your ideal location to plant your roots. Let’s begin.

What Types of Properties Are Available in Cardiff?

Cardiff offers a diverse housing market, from spacious detached homes to modern flats, catering to first time buyers and seasoned homeowners alike. However, when buying a property in Cardiff, it’s important to understand the different types available and choose one that suits both your lifestyle and budget.

According to the latest data from the Office for National Statistics (ONS), the overall average house price in Cardiff was £270,000, showing a 4% rise from last year:

Of course, the mix of properties in Cardiff includes detached, semi-detached, terraced houses, and flats – all of which have a different marketplace value. Each type comes with its own benefits and price points, allowing buyers to find something that fits their lifestyle and budget.

Using the statics provided by the ONS, we have created a brief overview of the different property types and their corresponding average marketplace value:

Understanding these options will help you make a more informed decision when looking for houses to buy in Cardiff, whether you’re after more space, easy maintenance, or investment potential.

Now that you know the types of properties available, let’s explore the best areas in Cardiff for first-time buyers and what each has to offer.

Canton

For those who are looking for a vibrant neighbourhood with a more flexible budget – Canton might be the answer for you. Combining a historic charm with modern living, Canton is an inner-city district located in the west of Cardiff and is known for its rich cultural diversity.

With average property prices ranging between £280,000 and £350,000 (rightmove), this area is popular for first time buyers in Cardiff that are looking for somewhere with a strong community spirit and local amenities to call home.

Canton boasts a lively social scene alongside excellent local facilities. Whether you enjoy window shopping, a hot cup of coffee in the local cafés, or an outside adventure, Canton has something to offer everyone. With close proximity to the city centre, Canton also provides convenient transport links that make commuting for walking or enjoying Cardiff’s wealth of attractions easy to access.

Things to Do and Amenities in Canton:

• Independent shops and cafés along Cowbridge Road East
• Green spaces such as Victoria Park and Llandaff Fields nearby
• Friendly pubs and a diverse range of restaurants
• Excellent primary and secondary schools
• Regular bus services connecting to Cardiff city centre within 10 minutes

Most notably for those who value easy and stress-free transportation, Canton benefits from frequent bus routes running along Cowbridge Road East. This bus route stops close to a host of different shops and residential streets. In addition, the area is within cycling distance of Cardiff’s main business districts, perfect for sustainable commuting.

If Canton sounds like your ideal neighbourhood, explore current property for sale in Canton to find a home that fits your budget and lifestyle.

At Boon Brokers, we specialise in helping first-time buyers with fee-free mortgage advice, helping them secure the right mortgage for their needs. As a whole-of-market broker, we can access the best deals and guide you every step of the way, so that you can focus on finding your perfect home in Canton.

Roath

For the nature lover(s) who appreciates open green spaces and gorgeous views, Roach stands out as one of the best areas to live in Cardiff, with affordable prices.

Known for its tree-lined streets and Victorian and Edwardian housing, Roath appeals strongly to first time buyers in Cardiff who are specifically looking for characterful houses that are priced within the £250,000 to £300,000 budget. With the average property price being £264,615 (Rightmove), Roast offers affordable housing, set amidst a green landscape.

Asides the luscious greenery, Roath offers a great mix of amenities and things to do, with activities that welcome both families and young professionals. In addition, the area is also well connected, with easy access to Cardiff city centre and several parks nearby for relaxation and recreation.

Things to Do and Amenities in Roath:

• Independent shops, cafes, and restaurants along Albany Road
• Roath Park with its boating lake and large open spaces
• Local events and community markets throughout the year
• Excellent schools and nurseries in the vicinity
• Frequent bus services connecting to Cardiff city centre

Roath similarly benefits from Cardiff’s excellent transport links, with buses running regularly along main roads and Cardiff Central Station just a short distance away. For those who enjoy outdoor activities, Roath Park offers beautiful walks and leisure facilities.

If Roath sounds like the perfect match for your lifestyle, explore property for sale in Roath and discover your perfect home. And if you’re wondering how much you can borrow on your mortgage – we can help you find out.

At Boon Brokers, our dedicated mortgage advisers can help guide you through your entire mortgage application. We’ll help you discover your borrowing amounts with different lenders, compare the latest deals from across the whole market, and guide you through the process from start to finish – so that you can focus on finding the right place to call home.

Llandaff

Known as the city within a city, Llandaff is truly one of the most picturesque areas to live in Cardiff. Offering a unique blend of historic beauty and modern comforts, Llandaff is an ideal choice for both first-time buyers and families looking to settle down in a place called home.

Famous for its stunning cathedral and leafy streets, Llandal is one of the best areas to live in Cardiff as it provides a quiet and peaceful aura while remaining only a short train or car ride away from Cardiff’s city centre.

However, the stunning area reflects its worth in the housing market, with the average property price being £325,015 (Rightmove). While this average may exceed the budget of a strict £250,000 – £300,000, Llandaff offers a wide-range of properties that can still fall in between your budget.

Things to Do and Amenities in Llandaff:

• Visit the iconic Llandaff Cathedral and its surrounding gardens
• Explore local shops, cafes, and traditional pubs
• Enjoy peaceful walks in Llandaff Fields and nearby parks
• Home to highly rated primary and secondary schools
• Good transport connections with regular bus services to Cardiff centre

Llandaff benefits from easy-to-use transport links, with frequent buses connecting to Cardiff city centre in around 15 minutes. Its village-like atmosphere combined with proximity to hospitals and educational institutions makes it highly attractive for those seeking a balance of calm and convenience.

If Llandaff ticks the boxes that match your needs, view the latest property for sale in Llandaff and start your home search today.

Looking for a mortgage broker that knows Cardiff?

At Boon Brokers, our dedicated mortgage advisers have expert knowledge of Cardiff’s property and mortgage market. We’re here to help you find the right mortgage to suit your needs and guide you every step of the way – making your dream of owning a home in Cardiff a reality.

Heath

If convenience and access to key services are high on your list, then Heath might be the area for you. Most notably recorded as presenting a ‘high level’ of suburb to many aspiring homeowners, Heath is known for its homely feel, central positioning, and refined living.

Home to the University Hospital of Wales (UHW), one of the largest hospitals in Wales, Heath is a standout choice among healthcare professionals and families who value quick access to medical care. The neighbourhood also boasts several parks, schools, and community centres, contributing to a well-rounded lifestyle.

With the average house price of £351,712 (Rightmove) Heath offers a mix of traditional homes and more modern terraces that are ideal for a variety of buyers.

Things to Do and Amenities in Heath:

• Easy access to the University Hospital of Wales
• Local parks such as Heath Park and Roath Mill Gardens
• Variety of shops, cafes, and leisure facilities
• Good schools and community centres
• Regular bus routes connecting to Cardiff city centre

Heath’s central location means that it benefits from frequent public transport links, with several bus lines providing quick access to Cardiff city centre, making commuting straightforward. The area’s combination of affordability, amenities, and green spaces makes it an excellent choice for first time buyers looking for property to buy in Cardiff, that is within a reasonable budget.

If being close to top healthcare facilities, abundant green spaces, and a welcoming community sounds like the lifestyle you’re after, then Heath could be the perfect place for you. Explore property for sale in Heath to discover homes that suit your needs.

At Boon Brokers, our expert advisers can help you find the right mortgage deal – completely fee-free. We’ll guide you through every step, making it easier to secure your dream home in one of Cardiff’s best areas to live.

Fairwater

For those seeking a quieter, more suburban feel while still being within easy reach of the city, Fairwater is an outstanding option.

Perfect for family and professionals alike, Known by locals for its peaceful streets and kind community spirit, Fairwater offers a variety of houses to buy in Cardiff including spacious semi-detached homes and terraced houses.

With an average property price of £240,562 (Rightmove), Fairwater sits as one of the most affordable places to live in Cardiff on this list. But don’t for a second think that this takes away from its excellence.

Home to plenty of green spaces, good schools, and convenient transport links, It’s an ideal location for those looking to enjoy a calm lifestyle without sacrificing access to Cardiff’s city features.

Things to Do and Amenities in Fairwater:

• Numerous parks and open spaces including Fairwater Park
• Local shops, cafes, and community centres
• Easy access to Cardiff city centre via frequent bus services
• Good schools serving the area
• Close to the M4 motorway for quick road connections

Fairwater’s location offers excellent connectivity; Cardiff Central is just a short bus ride away, while the M4 motorway nearby makes commuting to surrounding areas straightforward. This blend of suburban tranquility and city convenience makes Fairwater a compelling choice for first time buyers in Cardiff on a budget.

For those seeking a peaceful suburban lifestyle but still want easy access to Cardiff’s heart, Fairwater is likely to be the go-to-choice. Check out property for sale in Fairwater and discover what property options are available to you.

At Boon Brokers, we understand that getting your first mortgage to secure that milestone house can feel overwhelming – especially with all the paperwork and options to consider. Our fee-free, expert mortgage advisers are here to simplify the process for you. We can help find you the best mortgage deal for your situation and will guide you every step of the way.

Splott

As noted by the Wales Online news – “there’s a lot more to Splott than a name”.  If you’re looking for an up-and-coming neighbourhood that offers excellent value, Splott is championed as one of the best areas to live in Cardiff for first time buyers in Cardiff on a budget.

With the average house price being £215,582 (Rightmove), Splott is by far the cheapest area to live in Cardiff on this list, providing a range of affordable property to buy.

Most notably, Splott is known for its strong sense of community and unique local attractions. Compared to a ‘rough around the edges’ Roach, the area benefits from ongoing regeneration projects which are enhancing amenities and making it increasingly popular among young buyers and families alike.

Things to Do and Amenities in Splott:

• Explore Splott Market, a vibrant local hub offering fresh produce and crafts
• Enjoy outdoor activities at nearby Splott Beach and the Cardiff Bay area
• Visit local pubs, cafes, and community centres
• Access to good schools and sports facilities
• Frequent bus routes connecting to Cardiff city centre

Splott’s location near Cardiff Bay and the city centre means residents enjoy the best of urban living with quick access to entertainment, shopping, and cultural venues. This combination of affordability and potential makes Splott a smart choice for houses to buy in Cardiff within a reasonable budget.

Vibrant, affordable, and community-focused, Splott provides a perfect way to get onto the property ladder and great value for first-time buyers. If Splott is on your radar, then check out the latest property for sale in Splott to find the right home for you.

Are you a first-time buyer who’s lost in all the jargon?

At Boon Brokers, we know first-time buyers often worry about hidden fees and confusing mortgage terms. Our fee-free service ensures full transparency and expert guidance, helping you understand exactly what’s involved and how you can achieve a mortgage that matches your needs.

Get in Touch with a Mortgage Broker

Navigating the property market can be challenging, especially for a first time buyer in Cardiff. That’s why having a trusted whole-of-market broker in your corner can make all the difference.

At Boon Brokers, our dedicated mortgage advisers can help guide you through the entire process. From helping you understand your borrowing options, comparing the latest and most competitive mortgage products, to securing the best deal that matches your financial circumstances.

Whether you’re looking for guidance on deposit requirements, interest rates, or lender criteria, our brokers simplify the mortgage journey and maximise your chances of approval.

Contact Boon Brokers today and take the first step towards owning your ideal home in Cardiff.