The Real Cost of Buying a First Home in Fishguard
A first purchase at the £210,000 Fishguard average needs about £24,300 in cash, made up of £21,000 deposit, £0 Land Transaction Tax, and roughly £3,300 in fees.
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to.
A first purchase at the £210,000 Fishguard average needs about £24,300 in cash, made up of £21,000 deposit, £0 Land Transaction Tax, and roughly £3,300 in fees.
The full cash number for Fishguard
On the local average the deposit is £21,000, Land Transaction Tax is £0 and fees are near £3,300. Total cash needed is about £24,300.
Wales has no first time buyer relief, so Land Transaction Tax is the full £0 at this price. Land Transaction Tax is collected by the Welsh Revenue Authority. Confirm the current rates on gov.wales before you complete.
Wales has no first time buyer relief, so Land Transaction Tax applies at the normal rates. Homes up to £225,000 pay none.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Fishguard.
Where local earnings cap the purchase price
The costs that start the day you move in
Band D council tax in Pembrokeshire is £2,173 a year, which is £181 a month. Add energy, water, insurance and maintenance.
Protection belongs in the same budget. If the mortgage depends on two incomes, it depends on both people staying well enough to earn. That is the part of the purchase we advise on directly.
The Fishguard detail first buyers ask about
The schools families ask about here are Ysgol Bro Gwaun, Ysgol Glannau Gwaun, Ysgol Bro Preseli (Welsh-medium option), Pembrokeshire College (Coleg Sir Benfro) and Portfield School. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Fishguard to Haverfordwest takes about ~30 to 40 min drive.
By price, Fishguard ranks 4 of the 6 Pembrokeshire locations we cover, at £210,000 against a county average of £240,833. Band D council tax here is £2,173, against £2,182 across the county.
What your money buys in Fishguard
Fishguard is the north-Pembrokeshire port town & ferry gateway to Ireland, twinned with Goodwick, inside the National Park.
The full local guide covers schools, transport and the market in detail: Fishguard property and area guide.
| Budget | What it buys here |
|---|---|
| Around £120,000 to £180,000 | A flat or smaller terrace, the most accessible way into the town, popular with first-time buyers and investors. |
| Around £180,000 to £300,000 | A town terrace, a Lower Town cottage or a semi-detached family home, the heart of the Fishguard and Goodwick market. |
| £300,000 and above | A detached, coastal or sea-view home overlooking the harbour or the bay, the top of the local market. |
- A genuine, good-value coastal port town with real character & community
- The Lower Town harbour, the ferry to Ireland & a strong arts scene
- The Pembrokeshire Coast National Park & coast path on the doorstep
- Below the south-coast resort prices, a good share of homes under £225,000 LTT
- Bilingual & Welsh-medium schooling (Ysgol Bro Gwaun; Ysgol Bro Preseli)
- No general hospital or full A&E in the town, genuinely rural; verify the position with the NHS
- In the far north-west, Cardiff and the M4 are a very long haul, and rail is limited
- Some Lower Town, harbour & Goodwick homes need a careful flood check
- A second-home premium applies to holiday homes across the county
- A small, remote community, quieter out of season, with limited amenities
Fishguard is known locally for The Last Invasion & the Fishguard Tapestry, and The Lower Town (Cwm) harbour. The Last Invasion of Britain in 1797 and the 100-foot Fishguard Tapestry that commemorates it, a genuine and distinctive part of British and local history.
Practical detail for Fishguard: the SA65 postcode district, Fishguard & Goodwick and Fishguard Harbour, branch line via Clarbeston Road to Carmarthen & Swansea (limited services) and nearest A and E is No general hospital in Fishguard; Withybush (Haverfordwest, emergency dept, reconfigured) ~25 to 35 min; fullest consultant-led A&E often at Glangwili, Carmarthen, verify with NHS.
Fishguard at a glance
| Upfront cost | Fishguard figure |
|---|---|
| Average price | £210,000 |
| Deposit at 10% | £21,000 |
| Land Transaction Tax | £0 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £24,300 |
| Monthly repayment illustration | £1,105 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Fishguard
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £24,300, not just the deposit
- Your Land Transaction Tax position confirmed on gov.wales
- A first year running cost budget including £2,173 council tax
- Income protection quoted before completion, not after
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to.
Check broadband before you make an offer in Fishguard
Broadband speeds can vary street by street in Fishguard, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.
We can introduce you to a specialist who can combine your mobile, broadband and utilities into one bill. There's no fee for the introduction.
We don't provide these services ourselves. Switching household bills is not a regulated financial service, so FCA protections and the Financial Ombudsman do not apply. We'll only pass your details to the specialist if you ask us to. See our privacy notice.
Questions people ask
How much money do I need to buy a first home in Fishguard?
Do first time buyers pay Land Transaction Tax in Fishguard?
What is the biggest hidden cost?
How do I check broadband speed at a property in Fishguard?
Read next
Your home may be repossessed if you do not keep up repayments on your mortgage.