Heat pumps in Cardiff: cost + BUS grant

What the EPC data shows for Cardiff

We’ve aggregated the current Energy Performance Certificate band for 113,020 properties in Cardiff, drawn live from the GOV.UK EPC Register. The median home in our sample sits at band C, with 42% falling into band C and 36% in band D. Around 45% of homes are at band D or below — the cohort with the most realistic retrofit upside.

The typical Cardiff home

What the EPC data shows beyond the headline rating — useful context for sizing a heat-pump install.

• Floor area: median 76 m² (25th–75th percentile: 55–98 m²). Heat-pump sizing scales roughly with floor area — expect a 5–8 kW unit at the median.
• Current heating cost: median £643/yr (£418– £946 typical range). The number an installer’s running-cost saving projection sits against.
• Mains gas connection: 86% of properties. Most homes are replacing a working gas boiler — the payback case depends heavily on tariff choice + smart scheduling.
• Property type mix: Detached 15%, End-Terrace 15%, Mid-Terrace 35%, Semi-Detached 30%.
• Dominant age band: England and Wales: 1900-1929 (18% of homes). Sets the fabric-first work expected before commissioning.

Does the Boiler Upgrade Scheme apply in Cardiff?

Yes. Cardiff is in Wales, where the Boiler Upgrade Scheme (BUS) pays £7,500 toward an air-source heat pump install. The grant is administered by Ofgem and deducted by the installer at the point of invoice — you never see the cash. To qualify, the property must be owner-occupied or privately rented, have a valid EPC issued in the last 10 years, and have no outstanding loft-or-cavity insulation recommendation on the EPC (unless an exemption is documented). In our sample of Cardiff EPCs the median rating is band C, which means most homes need to clear at least one insulation recommendation before the installer can claim the grant.

Typical install cost in Cardiff

Pre-grant install costs in Cardiff typically run £8,000 to £14,000 for a 5–10 kW air-source unit, in line with UK averages — labour rates in Wales sit close to the national mean. After the £7,500 BUS deduction most Cardiffhomeowners pay £1,500 to £6,500 out of pocket. The figure within that range that applies to your property depends on three things: heat-loss sizing (set by floor area, fabric and air-tightness), radiator upgrades (most pre-2000s homes need at least one or two changed), and hot-water cylinder provision. An MCS-certified engineer issues the binding quote after a heat-loss calculation per BS EN 12831.

What this means for your home

Whether a heat pump is a good fit for your specific home in Cardiffdepends on three factors the EPC alone can’t answer: roof + outdoor space for the external unit, radiator sizing throughout the heating circuit, and your current heating fuel + tariff. Propertoasty’s free pre-survey check combines your address, an EPC pull, the Google Solar API’s roof data, and a floorplan vision analysis to produce an installer-ready report — typically takes about five minutes.

Run a free pre-survey check on your home — installer-ready report, BUS-eligibility verdict, sizing range, and a list of MCS-certified installers covering Cardiff.

Typical monthly heating cost in Cardiff

Based on the median Cardiff home in our EPC sample — a terraced house around 76 m² — here’s what the two options look like on a like-for-like monthly total. Boiler numbers assume a £2,900 installed cost on 9.9% APR / 5-year finance plus a typical £20/mo service plan. Heat-pump numbers apply the £7,500 Boiler Upgrade Scheme grant and 0% APR / 10-year finance on the net cost of £6,500.

At today’s standard tariffs, that’s about £16/mo cheaper with the heat pump — roughly £192 a year. The gap grows on a dedicated heat-pump tariff (e.g. Octopus Cosy at 15p/kWh) and as gas prices rise relative to electricity across the 10-year finance term.

How Cardiff compares

Compared with the England + Wales average band-D share of roughly 45%, Cardiff’s 36% sits below the national midpoint. Bands E and worse — typical pre-1930s homes without significant retrofit — make up 9% of the local sample, which compares to the E&W average of around 22%.

Heat pumps installed in Cardiff with the £7,500 grant

According to government figures, homeowners in Cardiff used the Boiler Upgrade Scheme (the £7,500 heat pump grant) to install 110 heat pumps between 2022/23 to 2024/25 (part of the Wales region).

• 2022/23: 18 installations
• 2023/24: 29 installations
• 2024/25: 63 installations

These figures only cover heat pumps installed using the £7,500 grant — self-funded installs and other schemes aren’t counted here. Data covers England and Wales only.

Nearby towns we cover

Comparison data for areas near Cardiff— useful if your property sits on a boundary or you’re comparing across the wider region:

• Heat pumps in Newport — Wales, Wales.
• Heat pumps in Bristol — South West, England.
• Heat pumps in Swansea — Wales, Wales.

Heat pump cost by property size

Typical heat pump sizes for a home in Cardiff, with UK average install costs from government figures. The right-hand column shows what you actually pay after the £7,500 grant is deducted.

These are UK-wide averages — your actual quote will vary with your roof, insulation, and installer. A guide only; your installer’s final quote will differ.

Also in Cardiff

Every service page below is generated from the same local EPC + MCS-installer data as this one — pick whichever matches what you’re researching:

• Solar panels in Cardiff: cost + payback — guide + local EPC data.
• MCS heat pump installers in Cardiff — directory, distance-ranked.
• MCS solar panel installers in Cardiff — directory, distance-ranked.