The Real Cost of Buying a First Home in Pembroke Dock
A first purchase at the £195,000 Pembroke Dock average needs about £22,800 in cash, made up of £19,500 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 £195,000 Pembroke Dock average needs about £22,800 in cash, made up of £19,500 deposit, £0 Land Transaction Tax, and roughly £3,300 in fees.
What a first Pembroke Dock purchase costs in cash
On the local average the deposit is £19,500, Land Transaction Tax is £0 and fees are near £3,300. Total cash needed is about £22,800.
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.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Pembroke Dock.
What you can borrow against local incomes
The costs that start the day you move in
Band D council tax in Pembrokeshire is £2,178 a year, which is £182 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 Pembroke Dock detail first buyers ask about
The schools families ask about here are Ysgol Harri Tudur / Henry Tudor School, Pembroke Dock Community School, Pennar Community School, Pembroke Primary School and Ysgol Caer Elen (Haverfordwest). Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Pembroke Dock to Pembroke takes about ~5 min.
By price, Pembroke Dock ranks 6 of the 6 Pembrokeshire locations we cover, at £195,000 against a county average of £240,833. Band D council tax here is £2,178, against £2,182 across the county.
Wales has no first time buyer relief, so Land Transaction Tax applies at the normal rates. Homes up to £225,000 pay none.
What your money buys in Pembroke Dock
Pembroke Dock is a former Royal Navy Dockyard town on a Georgian grid plan, on the Cleddau waterway.
The full local guide covers schools, transport and the market in detail: Pembroke Dock property and area guide.
| Budget | What it buys here |
|---|---|
| Around £95,000 to £150,000 | A flat or smaller terrace, the most accessible way into the town, popular with first-time buyers and investors. |
| Around £150,000 to £260,000 | A Georgian grid-plan terrace or a semi-detached family home on the estates and newer developments, the heart of the Pembroke Dock market. |
| £260,000 and above | A detached or larger home on the outskirts or with waterway views, the top of the local market. |
- A distinctive historic naval town with a proud heritage
- Among the most affordable towns in Pembrokeshire
- The Sunderland flying-boat heritage & the Royal Dockyard
- The Cleddau Bridge, the West Wales branch & the ferry to Ireland
- Pembroke Castle next door & the Pembrokeshire Coast close by
- Coastal and estuary flood risk on the low-lying reaches, a flood check near the water is essential
- No general A&E in town; nearest is Withybush (Haverfordwest), with a reconfigured A&E, verify with the NHS
- An honest post-dockyard economy, the military days are past and regeneration is ongoing
- In the far west, Cardiff and the M4 are a very long haul
- A second-home premium applies to holiday homes across the county
Pembroke Dock is known locally for The Royal Navy Dockyard, and The Pembroke Dock Heritage Centre. The dockyard that created the town in 1814 and built more than 250 ships for the Royal Navy, the reason Pembroke Dock exists and its enduring identity.
Practical detail for Pembroke Dock: the SA72 postcode district, Pembroke Dock, the West Wales branch terminus via Pembroke & Whitland to Carmarthen, Swansea & Cardiff and nearest A and E is Withybush Hospital, Haverfordwest (emergency dept, reconfigured); fullest consultant-led A&E often at Glangwili, Carmarthen, verify with NHS.
Pembroke Dock at a glance
| Upfront cost | Pembroke Dock figure |
|---|---|
| Average price | £195,000 |
| Deposit at 10% | £19,500 |
| Land Transaction Tax | £0 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £22,800 |
| Monthly repayment illustration | £1,026 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Pembroke Dock
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £22,800, not just the deposit
- Your Land Transaction Tax position confirmed on gov.wales
- A first year running cost budget including £2,178 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 Pembroke Dock
Broadband speeds can vary street by street in Pembroke Dock, 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 Pembroke Dock?
Do first time buyers pay Land Transaction Tax in Pembroke Dock?
What is the biggest hidden cost?
How do I check broadband speed at a property in Pembroke Dock?
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