Retirement Planning in Pembrokeshire
Retirement in Pembrokeshire starts with knowing your number. How much you need to retire comfortably is based on how you want to live. From there, it's about understanding your options: your State Pension, workplace pensions, ISAs, and how to invest for the future. Delphina helps you work out your retirement number step by step, calculating your number, understanding your pensions, and modelling different scenarios so you know what to prioritise.
About Retirement Planning in Pembrokeshire
Pembrokeshire has an average house price of £218,377, which is 26% lower than the UK average of £295,000 (ONS UK House Price Index, March 2026).
Annual living costs in Pembrokeshire are estimated at £34,580, below the UK average of £38,000, reflecting the more affordable cost of living in Wales.
Wales has its own land transaction tax (LTT) system, which affects property purchase costs for retirees in Pembrokeshire.
Data sources: ONS UK House Price Index, ONS Family Spending Survey, Land Registry.
Your Pembrokeshire Retirement Number
per year
£12,548
£12,548/yr at age 67
£22,032
Annual costs − State Pension
£550,800
25× gap (4% rule)
This does not include your primary residence
Based on 4% withdrawal rate · Pembrokeshire cost of living data · UK State Pension 2026/27
Ready for Your Pembrokeshire Retirement?
Delphina gives you the tools and guidance to retire on your own terms, whether you want to DIY or get expert coaching.
Explore Other Locations in Wales
| Location | Region | Avg House Price | Living Costs | Avg retirement number @ 4% SWR | Avg total net worth required |
|---|---|---|---|---|---|
| Retirement planning in Blaenau Gwent | Wales | £137,520 | £34,580 | £550,800 | £688,320 |
| Retirement planning in Bridgend | Wales | £213,319 | £34,580 | £550,800 | £764,119 |
| Retirement planning in Caerphilly | Wales | £195,082 | £34,580 | £550,800 | £745,882 |
| Retirement planning in Cardiff | Wales | £270,928 | £34,580 | £550,800 | £821,728 |
| Retirement planning in Carmarthenshire | Wales | £198,907 | £34,580 | £550,800 | £749,707 |
| Retirement planning in Ceredigion | Wales | £242,870 | £34,580 | £550,800 | £793,670 |
| Retirement planning in Conwy | Wales | £212,814 | £34,580 | £550,800 | £763,614 |
| Retirement planning in Denbighshire | Wales | £198,570 | £34,580 | £550,800 | £749,370 |
| Retirement planning in Flintshire | Wales | £210,180 | £34,580 | £550,800 | £760,980 |
| Retirement planning in Gwynedd | Wales | £201,202 | £34,580 | £550,800 | £752,002 |
| Retirement planning in Isle of Anglesey | Wales | £234,538 | £34,580 | £550,800 | £785,338 |
| Retirement planning in Merthyr Tydfil | Wales | £144,874 | £34,580 | £550,800 | £695,674 |
| Retirement planning in Monmouthshire | Wales | £322,147 | £34,580 | £550,800 | £872,947 |
| Retirement planning in Neath Port Talbot | Wales | £160,263 | £34,580 | £550,800 | £711,063 |
| Retirement planning in Newport | Wales | £230,640 | £34,580 | £550,800 | £781,440 |
| Retirement planning in Powys | Wales | £236,906 | £34,580 | £550,800 | £787,706 |
| Retirement planning in Rhondda Cynon Taf | Wales | £160,647 | £34,580 | £550,800 | £711,447 |
| Retirement planning in Swansea | Wales | £205,243 | £34,580 | £550,800 | £756,043 |
| Retirement planning in Torfaen | Wales | £198,866 | £34,580 | £550,800 | £749,666 |
| Retirement planning in Vale of Glamorgan | Wales | £284,907 | £34,580 | £550,800 | £835,707 |
| Retirement planning in Wrexham | Wales | £207,472 | £34,580 | £550,800 | £758,272 |