The average price of a home in Wales right now is up 12.5% in the last year, according to the latest Wales House Price Index from Principality Building Society.
Property prices in Wales rose to a new average peak price of £215,810 in the second quarter of the year (April-June), with the strongest rate of growth reported over the past year.
Nine local authorities reported annual price increases of more than 15%, with Blaenau Gwent (19.6%), Bridgend (19.4%), Carmarthenshire (19.9%) and Conwy (19.7%) all reporting an annual rise of almost 20%.
Read more: The areas in Wales where house prices have grown the most
Many of these local authorities also reported strong quarterly gains, particularly Bridgend (11%) and Merthyr Tydfil (15%).
A small majority of local authorities (12 of the 22) reported minor quarterly decreases, which may be a further sign that a gentler period of price inflation lies ahead.
Three major Welsh towns and cities - Newport, Swansea and Wrexham - along with Powys, all reported quarterly prices around 5% lower.
But what does all of that mean for first-time buyers?
We've calculated the household income you would need to get a mortgage 4.5 times your household income, which is the maximum usually offered, for each local authority in Wales.
Take a look below to find out what that means in different parts of the country - and how much you'll need to be earning to afford the average house price in each area.
Blaenau Gwent
Average house price: £128,441
Household income you need to buy here: £28,542
Blaenau Gwent has experienced the third highest annual increase in prices, with prices in the area growing by 19.6% in the past year.
On average, detached houses are worth around £223,151 currently, while terraced houses are around £108,052. The average price for a flat in Blaenau Gwent is £46,436.
Bridgend
Average house price: £214,081
Household income you need to buy here: £47,574
Bridgend has also seen a large annual increase in house prices, standing in fourth place behind Blaenau Gwent at 19.4%.
On average, detached houses are worth around £317,568 currently, while terraced houses are around £143,733. The average price for a flat in Bridgend is £159,297
Caerphilly
Average house price: £168,747
Household income you need to buy here: £37,439
In Caerphilly, the annual increase in house prices hasn't been as steep as in neighbouring Blaenau Gwent, at 9%.
On average, detached houses are worth around £287,832 currently, while terraced houses are around £130,057. The average price for a flat is £89,716.
Cardiff
Average house price: £269,012
Household income you need to buy here: £59,780
The capital city has also seen a sizable increase in annual house prices, at 13.4%. However, in the most recent quarter (April - June) house prices actually dropped by 0.5% across the city.
Detached houses are worth around £469,019 on average, while terraced houses are around £241,570. The average price for a flat is £167,089.
Carmarthenshire
Average house price: £190,176
Household income you need to buy here: £42,261
Carmarthenshire saw the biggest increase in house prices in all of Wales in the past year, at 19.9%.
Detached houses are worth around £258,736 on average, while terraced houses are around £133,072. The average price for a flat is £110,667.
Ceredigion
Average house price: £233,189
Household income you need to buy here: £51,820
Ceredigion's annual increase in house prices was around 12.7% in the past year, although prices have decreased again in the last quarter.
Detached houses are currently going for around £298,936 on average, and terraced houses are around £147,906. The average price for a flat is £196,085.
Conwy
Average house price: £222,944
Household income you need to buy here: £49,543
Conwy saw the second biggest growth in house prices of any Welsh area, at 19.7%.
Detached houses in Conwy are currently going for around £313,904 on average, and terraced houses are around £163,198. The average price for a flat is £125,292.
Denbighshire
Average house price: £206,345
Household income you need to buy here: £45,854
Detached houses in Denbighshire are currently going for around £257,599 on average, and terraced houses are around £152,118. The average price for a flat is £107,406.
Flintshire
Average house price: £205,646
Household income you need to buy here: £45,699
Detached houses in Flintshire are currently going for around £275,731 on average, and terraced houses are around £140,690. The average price for a flat is £117,325.
Gwynedd
Average house price: £212,206
Household income you need to buy here: £47,157
Detached houses in Gwynedd are currently going for around £309,208 on average, and terraced houses are around £151,024. The average price for a flat is £123,319.
Isle of Anglesey
Average house price: £236,545
Household income you need to buy here: £52,566
Detached houses in Anglesey are currently going for around £309,970 on average, and terraced houses are around £138,485. The average price for a flat is £197,302.
Merthyr Tydfil
Average house price: £159,101
Household income you need to buy here: £35,356
In Merthyr Tydfil, detached houses are currently going for around £340,763 on average, and terraced houses are around £101,369. The average price for a flat is £60,200.
Monmouthshire
Average house price: £321,741
Household income you need to buy here: £71,498
The average price for a detached house in Monmouthshire is currently £422,643, while a terraced house will set you back £217,568 on average. The average price for a flat is currently £136,399.
Neath Port Talbot
Average house price: £160,324
Household income you need to buy here: £35,328
The average price for a detached house in Neath Port Talbot is currently £268,361, while a terraced house will set you back £103,809 on average. The average price for a flat is currently £89,909.
Newport
Average house price: £211,336
Household income you need to buy here: £46,964
Newport saw the smallest amount of growth in house prices of anywhere in Wales in the last year, at 2.5%.
The average price for a detached house in Newport is currently £341,540, while a terraced house will set you back £161,483 on average. The average price for a flat is currently £114,109.
Pembrokeshire
Average house price: £227,985
Household income you need to buy here: £50,663
The average price for a detached house in Pembrokeshire is currently £295,753, while a terraced house will set you back £174,495 on average. The average price for a flat is currently £159,618.
Powys
Average house price: £229,313
Household income you need to buy here: £50,958
The average price for a detached house in Powys is currently £291,461, while a terraced house will set you back £169,698 on average. The average price for a flat is currently £100,895.
Rhondda Cynon Taf
Average house price: £150,726
Household income you need to buy here: £33,495
The average price for a detached house in Rhondda Cynon Taf is £278,605, while a terraced house will set you back £109,489 on average. The average price for a flat is currently £72,900.
Swansea
Average house price: £202,208
Household income you need to buy here: £44,935
The average price for a detached house in Swansea is £311,852, while a terraced house will set you back £147,615 on average. The average price for a flat is currently £132,990.
Torfaen
Average house price: £198,476
Household income you need to buy here: £44,106
The average price for a detached house in Torfaen is £312,742, while a terraced house will set you back £152,448 on average. The average price for a flat is currently £50,966.
Vale of Glamorgan
Average house price: £330,396
Household income you need to buy here: £73,421
The average price for a detached house in the Vale is the highest of anywhere in Wales at £505,978, while a terraced house will set you back £251,690 on average. The average price for a flat is currently £182,936.
Wrexham
Average house price: £190,911
Household income you need to buy here: £42,425
The average price for a detached house in Wrexham currently stands at £260,614, and a terraced house will set you back £145,638 on average. The average price for a flat is currently £125,110.
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