SA43 1DB Ceredigion

Streets

• Pwllhai, Aberteifi / Cardigan: 14 addresses
• Morgan Street, Aberteifi / Cardigan: 3 addresses

Council tax

What each band costs in Ceredigion in 2026-27: Band D £2,419 a year on average, including the police and community council charges.

Homes by band in the neighbourhood around this postcode: most are in band B (38% of about 720 homes).

Sources: Valuation Office Agency, Council Tax: stock of properties, homes at 31 March 2026 (counts rounded to the nearest 10; some small counts withheld), for the neighbourhood (census area of about 700 homes) around it, not just this postcode; Welsh Government, council tax levels 2026-27. Bands are charged as fixed shares of Band D; the actual bill depends on the parish and on discounts such as the single-person discount. Check a home's own band with the official council tax band checker.

Planning and heritage

• Conservation area: yes, Cardigan. Extensions, demolition, some windows and doors, and work on trees need consent.
• Listed buildings within 100 m of this postcode: 29.
• Article 4 directions, tree preservation orders and green belt: Wales has no national record of these; the council's planning department holds them.

Listed buildings

• 7 St Marys Street, grade II*
• Avondale, grade II*
• The Guildhall & Markets, grade II*
• 19 St Marys Street, grade II
• 21 St Marys Street, grade II
• 22 St Marys Street, grade II
• 28 High Street, grade II
• 29 High Street, grade II
• 32 St Marys Street, grade II
• 35 High Street, grade II
• 36 High Street, grade II
• 37 High Street, grade II
• 43 St Marys Street, grade II
• 8 St Marys Street, grade II
• 9 St Marys Street, grade II
• Broyan House, grade II
• Cardigan & Tivyside Advertiser, grade II
• Cemaes, grade II
• ForeCourt Railings & Gatepiers at Mount Zion Baptist Chapel, grade II
• Former Hope Chapel, grade II
• Graystone, grade II
• Mount Zion Baptist Chapel, Priory Street, grade II
• Pedestrian Gate between no 43 & The Old Stables, grade II
• The Angel Hotel, grade II
• The Black Lion Hotel, grade II
• The Old Custom House, grade II
• The Old Custom House (part), grade II
• The Old Stables, grade II
• The Spinning Wheel, grade II

Source: DataMapWales (Welsh Government): conservation areas compiled from the councils, and Cadw's listed buildings. Conservation areas are checked at each postcode's centre; some councils' boundaries in this layer have not been updated for years, so the council's own map is the one to rely on. Listed buildings are counted within 100 m of this postcode. Planning applications are not here: there is no national open record of them.

Flood risk

Rivers, the sea or surface water: of the 18 address points in this postcode, 2 at high risk, 4 at medium risk and 2 at low risk. Each counts once, at the higher of its rivers-and-sea and surface-water risk.

Rivers and the sea alone: 0 at high risk, 6 at medium risk and 2 at low risk. Surface water and small watercourses alone: 2 at high risk, 0 at medium risk and 3 at low risk.

High: 3.3% (1 in 30) or more chance of flooding a year. Medium: 1% to 3.3%. Low: 0.1% to 1%. The map allows for flood defences. Address points are every property record (UPRN) in the postcode, each counted if it is in an area or within 5 m of one (the maps stop at building walls); a few are not homes, such as garages, business units or caravan pitches. Counts cover whole postcodes, which can include other streets.

Flood zone for planning: the postcode centre is in flood zone 3. Zone 3 is a 1% (1 in 100) or greater annual chance of flooding from rivers, or 0.5% from the sea, ignoring defences. Welsh zones include an allowance for climate change.

Sources: Natural Resources Wales Flood Risk Assessment Wales: rivers, sea and surface water (loaded 30 October 2026), and Flood Map for Planning: rivers and sea (loaded 29 October 2026); address points from OS Open UPRN and the ONS UPRN Directory. Flood zones are checked at each postcode's centre point. These are models of areas, which their publishers say are not suitable for showing whether an individual property is at risk, and they do not cover flooding from sewers or drains. Check an address on Natural Resources Wales's flood risk map.

Height above sea level

The postcode's 18 addresses are between 4 m and 7 m above sea level (5 m on average).

Source: Ordnance Survey, OS Terrain 50, July 2026: the height of the ground on a 50 m grid, read at each address, in metres above Ordnance Datum (mean sea level at Newlyn). It is the lie of the land, not floor or threshold levels, and is accurate to a few metres. Being low-lying is not in itself a flood risk; the flood section above says what the flood maps show.

Broadband

Superfast 100%, ultrafast 7%, gigabit 7% of premises; 0% cannot get 10 Mbit/s. Ofcom Connected Nations, data as at January 2026.

Getting around

Sources: Department for Transport, NaPTAN (every public transport stop), as at 31 October 2026; Office of Rail and Road, Estimates of station usage 2024–25 (which stations are on the National Rail network, and their journeys: entries and exits in the year to March); OurAirports (public domain, kept by volunteers); car parks and charging points from Overture Maps Foundation, release 2026-10-21.0, which gathers business listings from Meta, Microsoft, Foursquare and others: not an official register, so some will be missing, private or out of date. Distances are straight lines from the postcode's centre, not routes, and say nothing about how often anything runs. Stations opened since the end of ORR's year appear when ORR publishes the next one, each December; heritage railways are left out.

Local services

Sources: NHS Organisation Data Service, as at 31 October 2026: GP practices, community pharmacies and dental practices with an NHS contract, open now, each placed at the centre of its postcode; hospitals are NHS trust and Welsh health board sites named as hospitals, and may not have an emergency department. Police stations and cash machines from Overture Maps Foundation, release 2026-10-21.0, which gathers business listings: not an official register, so some will be missing or out of date. Distances are straight lines from the postcode's centre. Nothing here says whether a practice is taking new patients or a dentist new NHS patients.

Parks and green space

Source: Ordnance Survey, OS Open Greenspace, April 2026: public parks and gardens, play spaces, playing fields and allotments, with their entrances. Distances are straight lines from the postcode's centre to a site's nearest entrance (or its edge where none is recorded), not walking routes; sizes are the area OS maps for each site. Some sites, such as school playing fields, may not be open to the public.

Within 800 m: 2 parks and gardens, 0.8 hectares in all.

Landmarks

The nearest historic landmark is Cardigan Town Walls, a scheduled monument, 30 m. 96 listed buildings are within 1.0 km, 1 of them Grade I and 9 of them Grade II*.

Sources: Historic England's registers through planning.data.gov.uk (MHCLG), and Cadw through DataMapWales (Welsh Government): World Heritage Sites within 10.0 km, battlefields within 5.0 km, registered parks and gardens within 3.0 km, scheduled monuments within 2.0 km, and Grade I and II* listed buildings within 1.0 km. Ordnance Survey, OS Open Names, October 2026: named hills, valleys, lakes, woods, wetlands and coast (it has no rivers). Distances are in a straight line to the middle of each site, and being on a register does not mean there is public access.

Air quality

Source: Defra, modelled background air pollution, annual means for 2024, for the 1 km square that holds the postcode's centre. These are background levels, away from the kerb: beside a busy road nitrogen dioxide in particular can be several times higher. UK limits are the legal annual limits for England and Wales; the World Health Organization's 2021 guidelines are much stricter, and most towns and cities are above them.

All three are within both the UK limits and the WHO guidelines.

Road and rail noise

Source: Welsh Government, Environmental Noise Mapping 2022 (Wales), modelled with Defra's noise model for every road and railway in Wales and published in August 2023, through DataMapWales: Lden, the average sound level over a whole day with extra weight for the evening and night, on a 10 m grid, read at each address. These are models of traffic, not measurements; they leave out aircraft, industry and neighbours, and a room at the back of a house is often much quieter than the front. The World Health Organization's guidelines are 53 dB for road traffic and 54 dB for railways.

10 of the postcode's 18 addresses are modelled at 55 dB or more from road traffic, above the WHO guidelines.

People and work

Source: ONS Census 2021, taken on 21 March 2021, for the Output Area (a small census area of about 125 households) that this postcode is in: 205 residents in 114 households. The census was taken during a lockdown, so working from home is high and travel to work low compared with now. ONS swaps a few records between neighbouring areas and adds small amounts of noise to counts to protect privacy, so small differences mean little. Industry is not published for areas this small.

Who lives here

Homes

Work and commuting

Education and languages

Deprivation

The neighbourhood around this postcode is in decile 1 of 10 on the Welsh Index of Multiple Deprivation 2025, where 1 is the most deprived tenth of Wales's 1,917 neighbourhoods and 10 the least.

Source: Welsh Index of Multiple Deprivation 2025 (Welsh Government), by LSOA (about 1,500 people), through the ONS Postcode Directory. The index combines income, employment, health, education, crime, housing and living environment; it ranks areas against each other and does not describe any one household. Ranks in England and Wales are worked out separately and cannot be compared.