How Much Do You Need to Retire in Swansea?
Swansea offers a 9% below average cost of living compared to the UK average. With average house prices at £205,243 and annual living costs of £34,580, here's what you need to know about retiring comfortably in Swansea.
About Retirement Planning in Swansea
Swansea has an average house price of £205,243, which is 30% lower than the UK average of £295,000 (ONS UK House Price Index, March 2026).
Annual living costs in Swansea 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 Swansea.
Data sources: ONS UK House Price Index, ONS Family Spending Survey, Land Registry.
Your Swansea 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 · Swansea cost of living data · UK State Pension 2026/27
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