Ceredigion council said its planning department had a target of 20% of all houses to be affordable across the county.
It said that target has been exceeded, with 37% of permitted houses and 33% of all houses built since the adoption of the Local Development Plan being affordable.
A council spokesperson added: “The council has also introduced a Community Housing Scheme, an equity sharing product, to support people to get on the housing ladder.”
The Welsh government said it understood the difficulties facing first-time buyers.
A spokesperson said: “In December, we launched the extension of our Help to Buy Wales scheme which has helped more than 14,500 people who could not afford to buy a home.
“Our Self Build Wales scheme also creates opportunities for people to build homes through loan funding for land and development costs.”