Housing is central to liveability. Good homes are associated with all of the outcomes covered in this report.

Housing in Cardiff is relatively unaffordable compared to other cities. The average house costs around eight times the average salary, while in Liverpool it is around six times the average salary. Only in Bristol is housing less affordable.

Young people in Cardiff are particularly concerned about getting on the property ladder. In the 2016 Ask Cardiff Survey, a third (33.6%) of young people reported to be ‘very concerned’ about housing costs compared to just 12.8% of those aged 55+.

High house prices can mean a decrease in living standards as a higher proportion of income is spent on housing costs. It can also have a detrimental impact on people’s mental well-being and life choices, such as when they can afford to have children, and is a driver of intergenerational inequalities.