Compare 12 local agents, data from 141 active listings








We track 12 estate agents actively marketing properties in the SA43 2 postcode, which covers Cardigan and the surrounding villages including Cilgerran, St. Dogmaels, and the eastern Teifi valley settlements. We've analysed every agent based on live listing data to bring you the most accurate comparison of who's performing in your local market.
The SA43 2 property market centres around the historic market town of Cardigan, where the average asking price currently sits at £362,725 across 141 properties. selling a period cottage in Cilgerran, a family home in Cardigan, or a rural smallholding, finding the right estate agent with proven local knowledge is essential for achieving the best price market conditions.

12
Active Estate Agents
£362,725
Average Asking Price
141
Properties For Sale
The SA43 postcode district, encompassing Cardigan and surrounding areas, has seen 128 residential property sales in the last twelve months, representing a decrease of 17% compared to the previous year according to Land Registry data. This shift reflects broader market adjustments, with the district currently sitting 11% below its 2023 peak of £291,988, though some sectors are showing renewed momentum with year-on-year growth of around 2%. The market has experienced a notable correction from the peak, but activity remains steady with buyers still attracted to the Ceredigion lifestyle.
Within SA43 2 itself, price variation between different neighbourhoods is significant, demonstrating why local expertise matters when choosing an agent. The SA43 2AR sector has performed strongly, rising 54% year-on-year and now averaging around £512,500, while other sectors like SA43 2JG have experienced more challenging conditions with prices down 55% from their 2021 peak of £537,500. This divergence underscores the importance of working with an agent who understands the micro-market dynamics of your specific area, whether that's the historic core of Cardigan or the rural lanes around Cilgerran.
Detached properties remain the dominant seller in this area, commanding an average price of £325,189 across the district, while terraced properties average £186,052 and semi-detached homes fetch around £202,312. The mix reflects the rural character of Ceredigion, where larger detached homes on generous plots are prized by buyers seeking the Ceredigion lifestyle. The limited flat supply just 1% of inventory reflects the predominantly suburban and rural nature of properties in this postcode area.
Source: Homemove live listing data
Three-bedroom properties dominate the current inventory in SA43 2, with 52 homes actively marketed at an average asking price of £328,282. These family homes represent strong value in the current market, particularly in areas like Cilgerran where period properties with character features attract buyers seeking a rural lifestyle without sacrificing modern conveniences. The three-bed segment appeals strongly to families upgrading from smaller properties or downsizing from larger homes.
Two-bedroom properties form the next largest segment with 33 listings averaging £226,083, making them accessible entry points for first-time buyers or those downsizing. Meanwhile, four-bedroom homes at an average of £411,597 appeal to growing families and remote workers attracted to the area's excellent quality of life and relatively affordable property prices compared to more urban parts of Wales. The four-bed segment has seen particular interest from buyers relocating from cities seeking more space and the Ceredigion quality of life.
Higher-end properties also feature prominently, with 10 five-bedroom homes marketed at an average of £657,500 and four six-bedroom properties at £781,250, plus a single seven-bedroom home at £1,300,000. These larger properties typically appeal to multi-generational families, buyers seeking character homes with land, or those wanting period estates in the Ceredigion countryside. The premium end of the market, represented by agents like Savills and Fine and Country, serves this discerning buyer base.

The SA43 2 area encompasses the eastern portion of Cardigan town along with villages stretching toward Cilgerran, characterised by the River Teifi valley landscape that defines much of Ceredigion. The local economy centres on agriculture, tourism, and small businesses, with Cardigan serving as a market town serving a wide rural catchment area. Properties in this part of Ceredigion often feature traditional construction methods using local stone and slate, with many period cottages and farmhouses dating back to the 19th century or earlier. The architectural heritage includes Georgian townhouses in Cardigan's historic core, Victorian terraces, and traditional Welsh cottages in the surrounding villages.
The geology of the area includes sedimentary rocks such as shales, mudstones, and sandstones, with clay-rich soils present in certain locations that can create shrink-swell risk for foundations in susceptible properties. Buyers considering older properties should factor in potential foundation movement issues, particularly in properties built on clay subsoils that are common in parts of the Teifi valley. A thorough survey is recommended for any property over 50 years old. The area's solid wall construction, common in pre-1919 properties, requires different consideration than modern cavity-walled homes.
Proximity to the River Teifi means some areas face potential flood risk, particularly in low-lying locations near watercourses, and surface water flooding can occur during periods of heavy rainfall given the drainage characteristics of the valley. Properties in areas like St. Dogmaels and low-lying parts of Cardigan should be checked against the Welsh Flood Map. Surface water flooding is a particular concern during autumn and winter months when heavy rainfall can overwhelm drainage systems in the valley.
Transport links centre on the A487 coast road connecting Cardigan with the larger towns of Aberystwyth and Carmarthen, while local bus services provide connections to surrounding villages. The area attracts buyers seeking a peaceful rural lifestyle with access to coastal walks, historic sites such as Cilgerran Castle, and the community atmosphere of a traditional Welsh market town. Schools in the area serve local families, and the presence of amenities in Cardigan town makes daily life convenient despite the rural setting. The community feel, local festivals, and traditional pub culture make this area particularly appealing to families and those seeking a slower pace of life.
Sellers in the SA43 2 market have a choice between traditional high-street agents with physical presence in Cardigan and the growing number of online and hybrid agents offering different fee structures. Traditional agents like John Francis, who operate from premises in Cardigan and hold approximately 29% of the current market, offer face-to-face valuations, local office presence, and the ability to host immediate viewings for buyers. Having a local office means agents can respond quickly to enquiries and conduct viewings without the delays sometimes experienced with remote-based agents.
John Francis, backed by Countrywide UK, currently markets 41 properties in SA43 2 with an average asking price of £311,154, while Jj Morris and Cardigan Bay Properties each hold around 14% market share with 20 listings apiece. These established local agents understand the nuances of the Cardigan and Cilgerran markets and can provide tailored advice based on recent transactions in specific streets and neighbourhoods. Their local presence means they can advise on which areas are gaining interest, which developments are popular, and how properties in your specific location are performing.
Online agents including Yopa, Purplebricks, and Bettermove also operate in the area, typically offering fixed-fee pricing that can seem attractive for higher-value properties. However, the limited local presence and potentially reduced marketing exposure may impact sale outcomes in a market where personal relationships and local knowledge often make the difference between a successful sale and a property lingering on the market. Yopa currently has just 2 listings in SA43 2, while Purplebricks has just 1, suggesting limited local traction. Multi-agency agreements, typically charging 0.5-1% more than sole agency, remain an option for sellers wanting maximum exposure, particularly for unique or higher-value properties where achieving the right price is critical.

Look at how many active listings each agent holds in your specific area and their average asking prices. Agents with strong local presence and market share typically have better buyer networks and understand which properties attract interest in current market conditions. Our data shows the top four agents control over 70% of the market.
Request free valuations from at least three agents. Be wary of agents who overpromise on price to win your business, as inflated valuations often lead to price reductions and extended marketing periods. A realistic valuation based on comparable local data leads to faster sales.
Ask about how properties are marketed, including photography quality, floor plans, virtual tours, and portal listings. In a competitive market, premium marketing can attract more buyers and achieve better prices. Properties with professional photography and detailed floor plans typically receive more viewings.
Estate agent fees in England and Wales typically range from 1-3% plus VAT (1.2-3.6% total). Some agents offer fixed fees while others charge percentage-based commissions. Consider the total cost including any upfront fees or optional extras. In the SA43 2 market, typical fees range from 1% to 2.5% plus VAT.
Review sole agency agreement lengths carefully, typically 8-16 weeks. Understand what happens if you want to switch agents or if your property doesn't sell within the agreed period. Some contracts include tie-in periods that can limit your flexibility.
Look for testimonials from sellers in similar property types and areas. Agents with proven track records in your specific market segment are more likely to deliver results. Ask agents for specific examples of similar properties they've sold locally.
Don't automatically choose the agent offering the lowest fee. In the SA43 2 market, agents with strong local networks and proven track records often achieve 5-15% higher sale prices than budget alternatives, more than offsetting any difference in commission rates. The difference between achieving £320,000 versus £290,000 far exceeds any fee savings.
The bedroom breakdown reveals where the strongest buyer demand lies in SA43 2. Four-bedroom properties represent a significant portion of the market with 30 homes available at an average of £411,597, reflecting demand from families and buyers seeking spacious rural homes. Ten five-bedroom properties are currently marketed at an average of £657,500, appealing to buyers wanting character homes with land or those seeking multi-generational living arrangements. The higher-end market, served by agents like Savills and Fine and Country, targets buyers relocating from urban areas seeking the Ceredigion lifestyle.
For investors or first-time buyers, the one-bedroom segment offers just 4 properties at an average of £146,250, indicating limited supply and potential opportunity in this bracket. The two-bedroom market with 33 listings at £226,083 represents the sweet spot for affordability, while three-bedroom properties at £328,282 provide the balance of space and value that attracts most family buyers in this Ceredigion market. First-time buyers are particularly active in the two-bed segment, attracted by relatively accessible prices compared to other parts of Wales.
Price distribution analysis shows 62 properties in the £300,000-£500,000 range, representing the largest segment, while 39 properties fall in the £200,000-£300,000 bracket. Higher-value properties above £500,000 account for 18 listings, demonstrating a healthy premium market. The four properties listed above £1 million include notable estates and period properties with land, typically handled by specialist agents with experience in the high-end rural market.

Pricing your property correctly from the outset is crucial in the SA43 2 market, where buyer interest can diminish rapidly for overpriced homes. Our data shows that properties priced within 5% of market value achieve sales more quickly and often closer to asking price, while those requiring significant price reductions typically sell for considerably less than their initial marketing price. The current average time on market for SA43 2 is approximately 120-150 days for properly priced properties.
West Wales Properties, with 18 active listings averaging £323,022, and Morgan & Davies focusing on properties averaging £413,328, represent agents who work across different price segments. Whether your property is a terraced cottage in Cardigan or a detached smallholding near Cilgerran, ensuring your agent has comparable sold prices from the local market is essential for setting the right asking price. Agents with active listings in your specific price bracket will have relevant buyer matches already on their books.
Negotiating agent fees is standard practice, and many agents will reduce their rates for properties valued above certain thresholds or if you commit to sole agency. However, the most important factor is not the fee percentage but the agent's ability to sell your property at the best price in the shortest time. A slightly higher fee to an active, successful local agent typically delivers better net results than a bargain-basement rate to an agent who struggles to generate viewings. In the SA43 2 market, the difference between a well-connected local agent and a less active alternative can mean thousands of pounds in final sale price.

Based on current market share data, John Francis leads the SA43 2 market with 29.1% of listings and 41 active properties, making them the dominant agent in the area. Jj Morris and Cardigan Bay Properties each hold 14.2% market share with 20 listings apiece, followed by West Wales Properties at 12.8% with 18 listings. These four agents control over 70% of the local market and represent strong choices based on their proven activity levels and local presence in Cardigan.
Estate agent fees in the SA43 2 area typically range from 1% to 3% plus VAT (1.2% to 3.6% including VAT), with the national average around 1.5% plus VAT. High-street agents like John Francis generally charge percentage-based fees, while online agents such as Yopa or Purplebricks may offer fixed fees typically between £999 and £1,999. The total fee depends on whether you choose sole agency or multi-agency arrangements, with multi-agency typically adding 0.5-1% for the increased marketing exposure.
The SA43 district has seen prices sit approximately 11% below the 2023 peak of £291,988, though some individual sectors within SA43 2 have shown strong performance. The SA43 2AR sector around parts of Cardigan has risen 54% year-on-year, now averaging around £512,500, while other sectors have experienced declines. Overall, the market shows a 2% year-on-year increase for the broader district, indicating gradual stabilisation after the recent correction.
The current average asking price in SA43 2 is £362,725 across 141 active listings, though this spans dramatically from one-bedroom flats at £146,250 to seven-bedroom homes at £1,300,000. Detached properties average £498,069, while terraced homes average £201,429 and semi-detached properties £340,700. The diverse property types available in this rural Ceredigion market range from compact period cottages to substantial country estates.
SA43 2 offers a rural Welsh lifestyle centred on the market town of Cardigan with its shops, schools, and community amenities, including the Castle Cinema and various local cafes. The area is known for its proximity to the River Teifi, excellent walking routes along the Teifi Valley, and access to the Ceredigion coastline at Poppit Sands and Mwnt. Properties range from period cottages in villages like Cilgerran to modern family homes in Cardigan, with a strong sense of community and relatively affordable property prices compared to urban Wales. The area attracts those seeking a peaceful lifestyle while retaining access to necessary amenities.
The broader SA43 postcode district recorded 128 residential property sales in the last twelve months, representing a decrease of 17% compared to the previous year according to Land Registry data. This reflects broader national market adjustments, though the area continues to attract buyers seeking the Ceredigion lifestyle. The sales volume indicates steady, if reduced, transaction activity compared to the peak market conditions of 2022-2023.
Three-bedroom properties currently dominate the market with 52 active listings, representing the most popular choice for families seeking a balance of space and value. Four-bedroom detached homes also sell well, with 30 properties on the market reflecting demand from families and those seeking rural properties. The limited supply of one-bedroom properties at just 4 listings suggests strong demand from first-time buyers in this price-sensitive segment, potentially creating opportunities for investors.
Local agents with physical presence in Cardigan like John Francis, Jj Morris, and Cardigan Bay Properties have significant market knowledge and established buyer networks in the area, with combined market share exceeding 70%. While online agents offer lower fixed fees, the complexity of the SA43 2 market, with its varied property types across different villages and price points, often favours agents who can provide bespoke local advice, host immediate viewings from their local office, and negotiate effectively with buyers familiar with the area.
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Compare 12 local agents, data from 141 active listings
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Homemove is a trading name of HM Haus Group Ltd (Company No. 13873779, registered in England & Wales). Homemove Mortgages Ltd (Company No. 15947693) is an Appointed Representative of TMG Direct Limited, trading as TMG Mortgage Network, which is authorised and regulated by the Financial Conduct Authority (FRN 786245). Homemove Mortgages Ltd is entered on the FCA Register as an Appointed Representative (FRN 1022429). You can check registrations at NewRegister or by calling 0800 111 6768.