Is Cardiff a Good Place to Live in 2026?

Thinking about moving to Cardiff? Whether you're relocating for work, looking for better schools, or simply want a change of scenery, choosing where to live is one of the biggest decisions you'll make. We've pulled together data from over 20 official sources to give you an honest picture of what life is really like in Cardiff, Wales.

Cardiff scores 49 out of 100 on our Area Score, earning a Grade D. That puts it below the national average, where the typical UK area scores around 72.

This guide covers everything from crime and safety through to schools, property prices, transport links, broadband speeds, and local amenities. Every figure comes from publicly available government data, including Police UK, Ofsted, HM Land Registry, the Department for Transport, and more. Nothing is guesswork; it is all based on the latest available numbers.

If you want an even deeper look after reading this, you can view the full interactive Cardiff area report which includes maps, comparison tools, and over 20 data sections you can explore at your own pace. You can also check the Cardiff cost of living breakdown for a salary-adjusted view of monthly expenses.

Cardiff has high crime levels with around 1285 reported incidents per month in the local area. Crime levels have remained relatively stable over the past year.

Crime data comes from Police UK, which publishes monthly street-level crime figures for every neighbourhood in England and Wales. The numbers above reflect reported incidents within roughly one mile of Cardiff town centre, so your experience on a specific street could be quite different. Anti-social behaviour and violent crime tend to dominate the totals in most UK towns, though property crime and shoplifting can be more common in busy high-street areas.

If safety is a top concern, we recommend entering specific Cardiff postcodes into our free postcode checker to see street-level breakdowns. Crime can vary dramatically from one road to the next, and the town-wide averages do not always tell the full story.

Families considering Cardiff will want to know about local school quality. There are 0 schools within 3km of the town centre.

Ofsted inspections assess schools on four key areas: quality of education, behaviour and attitudes, personal development, and leadership. A Good or Outstanding rating generally indicates strong teaching, well-behaved pupils, and effective leadership. However, it is worth noting that Ofsted ratings can be several years old, and schools can change quickly under new leadership or with shifts in intake.

If you have school-age children, catchment areas matter enormously. Being just a few streets outside a popular school's catchment can make the difference between getting a place and being sent elsewhere. We recommend checking the specific postcodes you are considering using our postcode search tool to see exactly which schools are within walking distance of a given address.

The average property price in Cardiff is £910,094, with a median of £250,000.

Property prices are sourced from HM Land Registry, which records every residential sale in England and Wales. The median price is often more useful than the average, since a handful of expensive sales can skew the mean upward. The gap between average and median gives you a sense of how much the local market is influenced by premium properties.

For buyers, the affordability sub-score reflects not just the headline price but also how prices compare to the regional average and how they have moved over time. A town with lower prices but rapidly rising trends may not stay affordable for long, while a high-price area with stable or falling values might present better long-term value. First-time buyers in Cardiff should also factor in stamp duty, solicitor fees, and survey costs on top of the purchase price.

Getting around matters, especially if you commute. There are no rail or tram stations in the immediate area, so residents typically rely on buses or cars.

Transport links can make or break a location, particularly for commuters. Rail access tends to have the biggest impact on property values and daily convenience. Towns with direct services to major employment centres often command a premium, but they also offer time savings that add up over years of commuting. If you are considering Cardiff for commuting, check journey times and season ticket costs to your workplace before making a decision.

For day-to-day errands, the combination of bus routes, cycle infrastructure, and walkability matters just as much as rail links. Areas with good bus frequency (every 10 to 15 minutes) make it feasible to live without a car, which can save a household £3,000 to £5,000 per year. Our transport score factors in all of these elements, not just rail access.

Parking availability is rated as limited, influenced by higher population density area and high rented proportion suggests more flats with limited parking.

Council tax is often the single biggest household bill, and it varies enormously between local authorities. Band D is used as the standard comparison, but your actual bill depends on the band your property falls into. Energy costs have stabilised somewhat since the price cap adjustments, but they remain a significant monthly outgoing. Water bills in England and Wales are set by regional monopolies, so there is no option to switch provider.

The total monthly figure above covers the essential bills that every household pays. It does not include groceries, petrol, childcare, or leisure spending, which will vary based on your lifestyle. For a complete picture that accounts for your salary and personal circumstances, use our dedicated cost of living tool.

For a detailed salary-adjusted comparison, see our Cardiff cost of living report.

Average broadband download speed in Cardiff is 5173 Mbps, with upload speeds of 4474 Mbps. Full fibre (FTTP) is not yet available, though upgrades are rolling out across the UK. Ultrafast broadband (100+ Mbps) is available, which is more than enough for streaming, gaming, and working from home.

For remote workers, upload speed is often more important than download speed, especially for video calls and uploading large files. Ofcom recommends at least 10 Mbps download for a single user and 25+ Mbps for a busy household. If you work from home regularly, FTTP (fibre to the premises) provides the most stable connection with symmetrical speeds and far less latency than older copper-based connections.

Flood risk in Cardiff is rated as very-low. The area is outside the major flood zones.

Flood risk is one of the most overlooked factors when choosing a home. Even if an area has not flooded recently, being in a higher-risk zone can increase home insurance premiums by hundreds of pounds per year. Some mortgage lenders are also reluctant to lend on properties in Flood Zone 3 without adequate flood defences. Always check the Environment Agency flood maps for specific properties, not just the town-level summary.

Air quality scores 24 on the European Air Quality Index (lower is better). PM2.5 levels sit at 3.8 µg/m³, which is within WHO recommended limits. Nitrogen dioxide (NO₂) is at 4.9 µg/m³.

The median age is 27, making it a relatively young area that may appeal to professionals and students. The higher proportion of renters may reflect a more transient population, common in university towns or areas popular with younger professionals.

Demographics data comes from the latest ONS Census. The balance between owner-occupied and rented properties tells you a lot about an area's character. Areas with high ownership rates tend to have more established residents who invest in their properties and community. Areas with more renters often have a younger, more diverse population with a different feel. Neither is inherently better; it depends on what kind of neighbourhood you are looking for.

There is 1 GP surgery near Cardiff. The nearest is IV Wet Room Ltd.

Access to GP services has become a growing concern across the UK, with many surgeries reporting high patient-to-doctor ratios and longer waiting times. Having multiple surgeries nearby gives you options if one practice is not accepting new patients. Proximity to an A&E department and specialist hospitals is also worth considering, particularly for families with young children or elderly relatives. NHS waiting times vary significantly by region, so if healthcare access is a priority, this is one area worth researching in detail.

Every area suits some people better than others. Based on the data, here is how Cardiff stacks up for different lifestyles:

These lifestyle scores are calculated by weighting the sub-scores differently depending on what matters most to each group. For example, families care most about schools, safety, and green space, while commuters prioritise transport links and broadband. Retirees tend to value healthcare access, low crime, and a quieter environment. The scores give a quick snapshot, but your personal priorities may differ from the typical profile.

There are genuine challenges here, and potential movers should weigh the pros and cons carefully. The data suggests researching alternatives, but if Cardiff appeals for other reasons, make sure to visit in person.

Of course, data only tells part of the story. We recommend visiting Cardiff at different times of day and week before committing to a move. Speak to locals, walk the streets, and get a feel for the place beyond the numbers.

How We Score Areas

Our Area Score is a composite of eight sub-scores covering safety, schools, property prices, transport, broadband, environment, healthcare, and overall liveability. Each sub-score uses smooth interpolation rather than arbitrary cutoffs, so the difference between a 74 and a 76 is meaningful rather than just crossing a threshold. Sub-scores are weighted based on what matters most to the average UK household, but we also calculate separate lifestyle scores for families, commuters, retirees, and young professionals.

The data behind these scores is refreshed regularly, and individual area reports are revalidated weekly to reflect changes in crime figures, property transactions, and infrastructure updates. If you want to compare Cardiff against other areas in Wales, try our area comparison tool or browse the best places to live in Wales guide.

Data sourced from Police UK, Ofsted, Land Registry, DfT, IMD, ONS Census, Ofcom, and other government open data. Updated weekly.