Is Cardiff a Nice Place to Live?

From the fairytale spires of Cardiff Castle to the buzz of the Bay, there’s something about the Welsh capital that just sticks with you. With a rare mix of old-world charm and modern pace – Cardiff is a place that pings on the radar for many looking to move to a place where you can grab coffee in a Victorian arcade one minute and catch a gig by the water the next.

But with so much change and attention,  you might be wondering: is Cardiff a nice place to live, and where’s the best place to live in Cardiff?

With its creative energy, open green spaces and a job market on the up, Cardiff is gaining popularity among first-time buyers, young professionals, and families alike. But like any capital city, there are a few key things to weigh up – from property prices and transport links to safety and overall quality of life.

In this article, we’ll explore everything you need to know about living in Cardiff. From Cardiff’s rich history and property prices to the pros and cons and best areas to live. Let’s begin.

A Brief History of Cardiff

Granted ‘capital’ status in 1955, Cardiff is one of Europe’s youngest capital cities, but boasts a rich and varied history. Created as a Roman fort – with Cardiff Castle still standing as a testimony of history – the city evolved from a medieval market town to become a global coal-exporting hub during the Industrial Revolution.

While landmarks like Cardiff Castle and the Victorian arcades proudly showcase the city’s rich past, the ongoing modern developments of Cardiff Bay highlights its modern identity. With a rich musical heritage – from Shirley Bassey to Shakin’ Stevens – Cardiff has long been home to some of the UK’s most recognisable talents. Today, the city is also home to the Senedd, BBC Cymru, the Principality Stadium, and some of Wales’ leading cultural and sporting venues.

What Are the Pros and Cons of Living in Cardiff?

Its eclectic mix of culture, affordability, and green spaces has made Cardiff a standout choice for families, students, and young professionals to call home.

So, what is day-to-day life really like in Cardiff?

There are plenty of things to do in Cardiff, from riverside walks along the Taff Trail and shopping in the historic arcades to attending events at the Millennium Stadium. But like all avenues of life, there are both pros and cons to living in Cardiff.

Let’s jump into some of the main benefits and challenges of life in Cardiff.

The Pros of Living in Cardiff

• Lots of Green Spaces

Cardiff is renowned for its host of fantastic parks and open green spaces, all of which provide a welcome break from the fast paced urban lifestyle.

Central to the city (and just a short walk from the Castle) is Bute Park, one of the largest parks in Wales. This spectacular area offers riverside walks, gardens, and plenty of ideal spots for family picnics or exercise. Other popular green areas like Roath Park – known for its boating lake and rose gardens – and Victoria Park, which hosts community events.

These green spaces contribute significantly to Cardiff’s reputation as a city that balances modern living with nature, adding to the city’s appeal for families, runners, and anyone who enjoys outdoor leisure activities.

• Rich Cultural Scene

The cultural life in Cardiff is both diverse and thriving. The Wales Millennium Centre and St David’s Hall attract international performances, ranging from classical concerts to contemporary theatre.

Cardiff Bay has been infused with a modern thrill and is now the hub for festivals and art exhibitions throughout the year. As we noted in the brief history, Cardiff also boasts a proud musical heritage, having produced iconic artists such as Shirley Bassey, Shakin’ Stevens, and Tom Jones. This strong cultural connection has made Cardiff a first-choice pick for creative professionals and those seeking a lively social scene with plenty of opportunities to explore arts and entertainment.

• Affordable Cost of Living

A massive benefit of living in Cardiff is its accessible affordability. Compared to many major UK cities, Cardiff offers a much more affordable lifestyle, particularly when it comes to housing.

Whether you’re looking to rent or buy, property prices tend to be lower than in London, Edinburgh, or Manchester, making homeownership more accessible for first-time buyers and perfect for families looking to save for the future.

Day-to-day expenses such as groceries, dining out, and public transport are also generally reasonable when compared to other capital cities such as London or Edinburgh. This affordability helps many residents enjoy a higher quality of life without the financial pressures found in larger cities.

• Diverse and Welcoming Community

Smiles from ear to ear, Cardiff is known for its inclusivity and diversity. The city embraces people from a variety of cultural backgrounds, with vibrant communities from across the globe.

This multicultural environment is reflected in its festivals, restaurants, and community events. For newcomers, this welcoming atmosphere can make settling in easier and help foster a sense of belonging.

• Strong Educational Institutions

For families and students, Cardiff offers access to some of Wales’ best educational facilities. Home to the flagship university, Cardiff University is one of the most prestigious educational facilities across the UK and attracts students nationally and internationally, contributing to a youthful and dynamic city atmosphere.

Additionally, Cardiff’s schools have good reputations, with areas such as Cyncoed and Radyr offering access to highly rated primary and secondary schools. This makes the city particularly appealing for families.

The Cons of Living in Cardiff

• Unpredictable Weather

Like much of Wales, Cardiff experiences a maritime climate, which means the weather can change at the drop of a hat and will typically be quite wet.

A high volume of rain is common throughout the year, with grey skies and drizzle being a regular occurrence. And while summers are generally mild and pleasant, for those used to the warmer and mild temperatures of the south-east of England, a move to Wales – or even to the North – might be overshadowed by the commonly overcast weather conditions.

• Public Transportation Limitations

Problems with public transport can often feel like a tale as old as time, and while Cardiff City itself has a decent network of buses and trains, public transport outside the city centre can be patchy.

Some suburban and rural areas are not as well served, and services may be less frequent, especially in the evenings and on weekends. For commuters or those who rely on public transport, this can be inconvenient and require some strategic planning.

• Housing Availability

As a growing capital city, it’s no surprise that Cardiff has seen rising demand for housing. This increase in demand can naturally lead to a more competitive property market, with homes selling quickly and rental prices rising.

Securing a property in popular neighbourhoods like Roath or Pontcanna can require fast decision-making and flexibility. Early planning and engagement with local estate agents or mortgage advisers are recommended to navigate this market successfully.

• Limited Nightlife Options

The nightlife is booming in Cardiff, and with a respectable number of pubs, bars, and live music venues – especially in the city centre and Cardiff Bay – the nightlife scene can tend to overextend into the early hours of the morning.

With that said, compared to larger cities such as London or Manchester, the city’s late-night offerings can feel more limited. For those seeking a bustling and varied nightlife experience, Cardiff’s scene may seem quieter or less diverse.

• Occasional Traffic Congestion

As the cultural hub and capital of Wales, it is unsurprising that during peak hours, traffic congestion can be an issue in parts of Cardiff, particularly around the city centre and major routes such as the A48.

This is something to consider for those working in and around the city centre and can increase commute times and make driving less convenient during busy periods. However, ongoing improvements to infrastructure and the introduction of cycling lanes aim to ease congestion and promote alternative transport options.

Is it Safe to Live in the Capital of Wales?

Cardiff is generally considered  one of the safest cities in the UK to live – especially compared to many other UK cities of similar size. Like any capital, it has pockets with higher crime rates than others, however, the city as a whole benefits from a strong police presence, well-lit public areas, and a vibrant community spirit that contributes to overall safety.

That said, it is important, as with any city, to be aware and sensible at all times. But for most residents, the question: is Cardiff safe? The answer is a confident yes.

If you’re considering a move to Cardiff and want expert guidance on securing the right mortgage, Boon Brokers is here to help. As a fee-free, whole-of-market brokerage, we offer tailored advice to help you find the best deal for your circumstances.

What Are the Best Areas to Buy Property in Cardiff?

Cardiff is home to a wide range of neighbourhoods, each with its own unique character, amenities, and price points. Whether you’re a first-time buyer, a growing family, or looking to invest, there’s a part of the city that will suit your lifestyle and budget.

So, where’s the best place to live in Cardiff?

The exact location will wholly depend on what you’re searching for from the Welsh capital, your lifestyle and plans for the future. To help you start your investigative journey, we’ve grouped the city’s most popular areas below to help you narrow down your options:

Most Affordable Areas to Live in Cardiff

• Splott: Inner-city, affordable, close to the city centre and Cardiff Bay regeneration projects.
• Grangetown: Close to Cardiff Central Station, multicultural, popular with young professionals.
• Ely: One of the city’s most affordable areas, with scope for investment and regeneration.
• Gabalfa: Close to University Hospital Wales and well connected by the A470 and bus routes.

Most Family-Friendly Areas to Live in Cardiff

• Roath: A lively mix of cafes, parks, and Victorian terraces – near Roath Park and within Cardiff High School catchment.
• Heath: Leafy and residential, close to University Hospital Wales and excellent schools like Llanishen High.
• Llandaff North: Quiet, riverside suburb with strong community feel and rail links from Radyr station.
• Fairwater: Affordable for families, with easy access to local parks and schools, near Waun-Gron Park.

Most Expensive and Desirable Areas to Live in Cardiff

• Cyncoed: One of Cardiff’s most prestigious areas, near Roath Park and top-rated schools.
• Lisvane: Leafy and upmarket, offering space, privacy, and quick access to the M4 motorway.
• Pontcanna: Trendy and desirable, filled with independent eateries and green space near the River Taff.
• Radyr: Popular with families thanks to its high-performing schools and village feel, with direct train access to Cardiff city centre.

Whether you’re after vibrant city living or a quieter family neighbourhood, there’s a best place to live in Cardiff that will suit your needs.

Boon Brokers can help you secure the right mortgage for your Cardiff home. As a fee-free, whole-of-market mortgage broker, we provide expert advice tailored to your circumstances – whether you’re buying your first home, moving house, or investing in a buy-to-let.

What Are the Average House Prices in Cardiff?

The average house price in Cardiff will typically fall between £250,000 and £300,000, depending on your chosen area and property type. Knowing what to expect can help you plan your budget more effectively and decide which neighbourhoods best suit your financial goals.

The latest data (2025) from Office for National Statistics (ONS), the average house price in Cardiff is approximately £270,000. However, costs will vary depending on area and property type. To provide you with clear insights into how property values are shifting over time, the chart below shows the annual change in house prices across Cardiff:

The table below breaks down the annual price changes for each property type in Cardiff, giving you a clear view of how the local market has shifted in the last year:

Looking at the cost of living in Cardiff, Numbeo research found that Cardiff is generally cheaper than other UK cities, especially for rent, food, and public transport.

How Much Deposit Do I Need to Buy a House in Cardiff?

At Boon Brokers, one of the most common questions our expert advisers are asked is: how much deposit do you need for a mortgage? Wherever your chosen location, from London to Cardiff, the exact deposit you require will depend on your chosen mortgage product, lender’s criteria, and overall affordability.

Most lenders will require a minimum of 5 – 10% of the property’s value. For example, if you’re planning a property purchase of £265,000, that would equal:

• 5% = £13,250

Or

• 10% = £26,500

It is important to note that saving for a larger deposit (up to 40% of the property’s value) can significantly improve your mortgage options. A bigger deposit will lower your loan-to-value (LTV) and can often give you access to more competitive interest rates and a wider range of lenders, making your mortgage more affordable in the long run.

Notably, your credit score, income, and whether you’re a first-time buyer will also influence your options. Lenders offer different deposit and mortgage packages, so it’s worth speaking to a broker early in your journey.

At Boon Brokers, our dedicated mortgage advisers provide expert, fee-free mortgage advice that is tailored to your exact needs. With whole-of-market access, we can compare mortgage products from the whole of the market, narrowing down the best and latest mortgage products that match your needs.

What Should I Look Out for When Buying a House in Cardiff

Before buying a home in Cardiff, you should consider both the area’s unique environment and general moving concerns. Being aware of factors like property condition, school catchment areas, transport links, and flood risk can help ensure a smoother buying process and a home that truly fits your needs.

While we have already outlined some of the main pros and cons of living in Cardiff, here is a clear bullet-point list of essential factors to consider before buying a property in the city:

• Older Properties: Homes in areas like Cathays, Roath, and Splott may require structural surveys to check for issues such as damp, roofing problems, or outdated electrical systems.
• School Catchment Areas: If you’re moving for educational reasons, carefully research local catchment zones. Cardiff High School, Cardiff West Community High, and Fitzalan High are among the most popular choices.
• Flood Risk: Certain parts of Cardiff near the River Taff and Cardiff Bay are prone to flooding. It’s important to research the risk of floods and corresponding insurance before finalising a purchase.
• Public Transport Links: Efficient public transport is crucial for commuters, especially those travelling to Bristol or central Cardiff. Planning your likely journeys and evaluating the local accessibilities is crucial.
• Rental Market: For those looking to rent, Cardiff has a wide range of rental properties, particularly around the universities and city centre, catering to students and professionals alike. However, the surge in demand for properties around the city centre could continue to raise rental costs to consider.

What Are the Steps to Getting a Mortgage in Cardiff?

Applying for a mortgage on a property in Cardiff generally follows a standard process seen across the UK. However, having local knowledge and expert guidance can give you a valuable edge, helping you navigate lender criteria and speed up your application.

Working with a trusted mortgage broker – like Boon Brokers – can help streamline the entire mortgage process for you. Our dedicated advisers will navigate the mortgage market and liaise with lenders on your behalf, finding the perfect product that matches your needs.

Here’s how the mortgage process usually works:

It’s no secret – securing a mortgage can often feel overwhelming, with complex paperwork and countless steps to manage. At Boon Brokers, we can make your mortgage journey even easier by offering the Convenience Package.

The Convenience Package is a comprehensive service where a dedicated mortgage adviser handles everything from finding the best deal to coordinating with solicitors and surveyors on your behalf. This means you can focus on what really matters, while we take care of the details, keeping you informed and supported throughout the process.

Should I Speak to a Mortgage Adviser in Wales?

Whether you’re buying a flat in Splott, a family home in Cyncoed, or any property in between, securing a competitive mortgage can be complex. That’s why working with a mortgage broker can make all the difference.

At Boon Brokers, we specialise in providing whole-of-market, fee-free mortgage advice tailored to your unique financial situation. Our dedicated advisers take the time to understand your needs and help you access the best mortgage deals that are available to you.

With local knowledge combined with nationwide reach, our dedicated advisers are committed to making your home-buying journey easier and more affordable.

Contact Boon Brokers today for expert, unbiased mortgage advice and start your journey to owning a home in Cardiff with confidence.