If you are lucky enough to be on the property ladder the chances are most of your cash is tied up in your house .
So it's important to be on the ball when it comes to the value of your investment.
House prices going up can lead to a better mortgage deal whereas a fall can leave you with negative equity.
We have compared house prices in 2019 compared to 2018 across Wales to see the biggest rises and falls in house values.
Cardiff
In the Welsh capital only terraced houses saw an increase compared to last year.
Swansea
If you have a nice detached house, this year was not the time to sell it in Swansea.
Newport
Newport has seen an increase in flat prices compare to last year. Perhaps brought about by the toll booth abolition on the bridge.
Merthyr Tydfil
House sales were very low in September for Merthyr which has skewed the results.
The semi and terrace figures are the most reflect of the market.
Carmarthenshire
Seemingly the bigger your home the better in Carmarthenshire as detached properties are the only ones to see a rise.
Pembrokeshire
A bit of a mixed bag across Pembrokeshire with some dramatic differences in house type.
Powys
Not a lot of change in Powys, unless you are trying to see a flat.
Gwynedd
Gwynedd was the only place (with enough houses sold) to see an increase across the board in terms of house size.
