Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Council tax bill - is this wild or are yours insanely high too?

440 replies

Notmycircusnotmyotter · 01/05/2026 12:14

My local council took £232 in direct debit today for council tax. I'll be honest, I don't budget to the pound, so was shocked when I saw it and assumed they had wrongly taken off my single person discount. But nope. £232 is what 75% of the council tax charge is for my 3 bed terrace.

WTAF. This feels insanely high.

please don't tell me all about bankrupt councils and adult social care. I've heard it. I know.

My point is how are ordinary people paying these sorts of bills? I'm a single parent of two on a decent wage and it stings.

OP posts:
Thread gallery
5
BunnyLake · 01/05/2026 13:39

Beachforever · 01/05/2026 13:36

Gosh, I can’t believe how much all your council tax is. Mine is £147 per month, no discounts, Band F, nice part of London.

There seems to be such huge disparity in council bills. That is £1,764 a year. I’m in a lower band than you, miles away from London and my band is over £3,000 pa.

bogginbluesticks · 01/05/2026 13:39

Imfukinradiant · 01/05/2026 13:32

When did this happen? My neighbour challenged it when he moved in and his house was dropped to a C. So I filled out the form but was told in writing by the Scottish Assessors office that you can only do this within 6 months once the missives are completed on the property. Because I had been in my house for years, they would not even look at it. Let alone backdate anything.

We moved in 2014, took a few months for the appeal to go through and assessor to come out so by the time it was accepted we were here about 8 months. Neighbours definitely got a backdated refund, they appeared at our door with flowers and!
A quick Google says the legislation allows for an appeal after 6 months if a 'relevant decision' has been made so perhaps our successful appeal allowed theirs to be considered I really don't know, just going off personal experience.

Thechaseison71 · 01/05/2026 13:38

Tigerbalmshark · 01/05/2026 13:37

I doubt either of you pre-date compulsory education or the founding of the NHS. So your education and healthcare would have been funded by rates, poll tax, NI, or another form of general taxation.

The point is you will have taken plenty out in the past and will more than likely take plenty out in the future. You were not contributing as a child and probably won’t contribute much as a pensioner. You can’t opt out for the middle years when you are not utilising services if you still want help to be there in the future.

General taxation. I'm sure my scholarship at school didn't cost the state much.

Besides the discussion is council tax which doesn't pay for schooling and nhs.

Tigerbalmshark · 01/05/2026 13:37

Thechaseison71 · 01/05/2026 13:21

Council tax wasn't around when I was a kid and I think that poster said she was retired so older than me

I doubt either of you pre-date compulsory education or the founding of the NHS. So your education and healthcare would have been funded by rates, poll tax, NI, or another form of general taxation.

The point is you will have taken plenty out in the past and will more than likely take plenty out in the future. You were not contributing as a child and probably won’t contribute much as a pensioner. You can’t opt out for the middle years when you are not utilising services if you still want help to be there in the future.

BunnyLake · 01/05/2026 13:37

LaburnumAnagyroides · 01/05/2026 13:29

The good news is that as a single, child free person, you are more likely than many others to need social care support. You can claim "your share" then.

I cannot imagine being so bitter about providing support to the most vulnerable children in society.

Yes, that’s a really mean take. I’m an older person and glad to say bitterness has not eaten at my soul. I could never resent help for needy children or animals.

Beachforever · 01/05/2026 13:36

Gosh, I can’t believe how much all your council tax is. Mine is £147 per month, no discounts, Band F, nice part of London.

Tessasanderson · 01/05/2026 13:35

Notmycircusnotmyotter · 01/05/2026 12:14

My local council took £232 in direct debit today for council tax. I'll be honest, I don't budget to the pound, so was shocked when I saw it and assumed they had wrongly taken off my single person discount. But nope. £232 is what 75% of the council tax charge is for my 3 bed terrace.

WTAF. This feels insanely high.

please don't tell me all about bankrupt councils and adult social care. I've heard it. I know.

My point is how are ordinary people paying these sorts of bills? I'm a single parent of two on a decent wage and it stings.

Bankrupt councils and social care......

But you already knew that. Add in all the adhd, spectrum, lack of parenting and schools are now underfunded. Roads are falling to bits. NHS costs rising due to an aging population and being replaced with people who would rather take benefits than contribute. Add in the illegal immigrants who we are subsidising etc etc etc etc

Someone needs to start pissing back in the bucket because middle earning britain cant support this much longer.

LakieLady · 01/05/2026 13:34

Friendlygingercat · 01/05/2026 13:01

Council Tax is a sore subject with me. As a single childfree person who earned a good salary I have been a net contributer all my life. As a sinhgle pensioner I am now effectively subsidising families (net takers) who pay NOTHING extra for their children. 20% of my CT bill goes on childrens services and I resent every penny of that. If I ever move I will be sure to leave a huge bill behind me out of sheer spite.

I'm a single, child-free pensioner too. Children's services accounts for around £350 of my £1,500 council tax.

I don't resent it. I want there to be enough well-educated adults to provide the essential services, inc health care, that I will inevitably need more of as I get more decrepit, and a well-educated workforce that will be able to pay enough tax to fund those services.

The only bit of my council tax that I really resent is the town council, who cost me over £200pa for providing a few bins and benches and maintaining a cemetery and a park, and run 2 buildings that can be hired for functions. They had the cheek to put their share of my bill up by a whopping 27%!

Strawberries86 · 01/05/2026 13:33

Im public sector and for the number of people I manage, level of responsibility and budget I would earn twice what I do now in the private world. Trust me even with my pension, you are getting value for money. That said I hate council tax!

Thechaseison71 · 01/05/2026 13:33

Imfukinradiant · 01/05/2026 13:24

Way to let a point fly right over your head.

Unless you’re both about 102 and had to grow up in a workhouse, I’m assuming there was state funded healthcare and education available. Collected via taxation. 👍

Yes from central govt not rates

Tigerbalmshark · 01/05/2026 13:32

Notmycircusnotmyotter · 01/05/2026 12:54

@Penguinnnni meant pensions not salaries, sorry.

Care assistants are not council employees (mostly paid by agencies), so they do not have access to a public sector pension scheme and you are likely not contributing to their pensions in any way (because many agencies class them as self-employed).

So do you want the people providing personal care to elderly people, who are already on NMW, to be paid less than minimum wage?

Or do you want elderly people with no assets (because those with assets self-fund) to be left to lie in their own faeces if their families can’t pay for their care?

Those are the two options if you want to cut funding to adult social care.

MidnightPatrol · 01/05/2026 13:32

Notmeagain12 · 01/05/2026 13:22

What always surprises me is how cheap London council tax is.

my sister lives in a 4 bed zone 3 semi, worth just under 1m at today’s prices, and her council tax is 230 for 10 months in band d!

I moved to the NE for cheaper living, also a band d property, and my council tax is £250..

So much for London being an expensive city. If you afford a house the actual costs are much lower- public transport, council tax etc are cheaper.

Varies by borough.

Mine is now almost £400 for a three bed terrace.

Imfukinradiant · 01/05/2026 13:32

bogginbluesticks · 01/05/2026 13:28

@JackandVictor assume from username that you're also Scottish? When we moved into our home it was banded as an E but Google told me other comparable houses in the street were D. I appealed and had it accepted so ours was rebanded down and the excess already paid was refunded. Told our next door neighbour who did the same and had 8 years of overpayment paid back to them. May be worth exploring for you.

Edited

When did this happen? My neighbour challenged it when he moved in and his house was dropped to a C. So I filled out the form but was told in writing by the Scottish Assessors office that you can only do this within 6 months once the missives are completed on the property. Because I had been in my house for years, they would not even look at it. Let alone backdate anything.

Miranda65 · 01/05/2026 13:32

Do you live in a Labpur council area, OP? I do, which is why my Council Tax has been very high for the last 30+ years. The only service I use is having the bins emptied but, unfortunately, it's part of the principle of taxation that we have to pay for services we may personally not be using (schools, social care etc).

Lovingapeacefulgarden · 01/05/2026 13:31

Mine is £3000 a year. I live in an average sized 3 bedroom house and because its a new area we also get factoring type charges on top and nothing done (there isn't even a bin here).

LaburnumAnagyroides · 01/05/2026 13:29

Friendlygingercat · 01/05/2026 13:01

Council Tax is a sore subject with me. As a single childfree person who earned a good salary I have been a net contributer all my life. As a sinhgle pensioner I am now effectively subsidising families (net takers) who pay NOTHING extra for their children. 20% of my CT bill goes on childrens services and I resent every penny of that. If I ever move I will be sure to leave a huge bill behind me out of sheer spite.

The good news is that as a single, child free person, you are more likely than many others to need social care support. You can claim "your share" then.

I cannot imagine being so bitter about providing support to the most vulnerable children in society.

LadyDanburysHat · 01/05/2026 13:28

MiddleAgedDread · 01/05/2026 13:27

is that including your water and sewage charges though? you have to take those off to compare against England and Wales rates.

Yes it is, however a friend in outer London pays less between her CT and Water than I do.

bogginbluesticks · 01/05/2026 13:28

@JackandVictor assume from username that you're also Scottish? When we moved into our home it was banded as an E but Google told me other comparable houses in the street were D. I appealed and had it accepted so ours was rebanded down and the excess already paid was refunded. Told our next door neighbour who did the same and had 8 years of overpayment paid back to them. May be worth exploring for you.

MiddleAgedDread · 01/05/2026 13:27

LadyDanburysHat · 01/05/2026 13:25

Ours is £450 and we don't live in a mansion by any means. A 4 bed terrace in semi-rural Scotland.

is that including your water and sewage charges though? you have to take those off to compare against England and Wales rates.

Motheranddaughter · 01/05/2026 13:27

3 bed semi
£344 a month
It’s a lot

Thechaseison71 · 01/05/2026 13:27

anniegun · 01/05/2026 12:52

Its mainly social care and SEND. If you want to lower council tax , decide which of these you want to spend less on

Well id be happy to pay for neither tbh

BunnyLake · 01/05/2026 13:27

My council tax is my biggest monthly bill aside from food (which I can at least tweak). Thankfully I’m now mortgage free but the insane council tax bills are something we just can’t tweak. Even downsizing doesn’t give much of a break, my elderly mum’s tiny 2 bed flat was nearly £170 pm before discount.

Although, to be fair, the council really do seem to invest in our town. Unlike a lot of towns that deteriorate over the years this one has improved a lot. It’s just when I go through financial struggles (bit of a roller coaster) it’s hard when you can’t just trim that one bill a bit.

whirlyhead · 01/05/2026 13:27

I live in a 3 bed house in spain with a big garden and my council tax equivalent is 65 € a month. A big difference to the UK! However, stamp duty when you buy a property is higher here so swings and roundabouts I guess.

Our potholes are filled in promptly too because we can't have tourists damaging their rental cars...