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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:
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5
loislovesstewie · 01/05/2026 13:16

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

I'm a retired public sector worker. When I went home at the end of the day, I hadn't increased the profitv of an organization, I hadn't produced something tangible, so I couldn't point to an item I had made. What I could do however was point out that I had :
Made a different to the lives of several people.
Given advice that would have improved a person's life.
Often went above and beyond so that I could assist a person with something that actually wasn't my job.
No, I don't expect a pat on the back for it, or a fanfare lots of us did precisely that. However I did expect to be paid for it. And it wasn't a fortune although I do get a decent pension.
You could have joined us, if you want.

MikeRafone · 01/05/2026 13:16

JHound · 01/05/2026 13:11

How would you make it fairer.

pay on square meterage of land you own

PatNoodle · 01/05/2026 13:16

canyon2000 · 01/05/2026 12:57

I'm a bit surprised by some of your bills! We are band D, 4 bed house and ours is £227 a month. Guess it must depend on where you live, we are Leeds.
Eta we have no reductions either

Edited

Band D in my local area is just over £350 a month😬

AmethystDeceiver · 01/05/2026 13:16

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

All of us using those public services...

Imfukinradiant · 01/05/2026 13:15

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.

🙄
Presumably you were once one of these ghastly children. Who was educated and received healthcare, maybe you drive on roads that the council tax goes towards maintaining, have access to public services such as libraries, bin collections, benefit from street lighting. Maybe you’ll need social care as you get older.
Yes it could be a fairer system, but it’s the old live together / die alone adage.

EricTheHalfASleeve · 01/05/2026 13:15

DreamyScroller · 01/05/2026 13:07

Top this:

We live an annexe to a larger property. We found the place from a family we knew who had lived here and were moving out. They never paid council tax.

When we moved in two years ago, our contract stated that our council tax would be covered by our rent, as it was considered part of the larger property owned by the landlord.

Two years in, the council randomly decided to reclassify our home as a separate property liable for council tax, and also to backdate it to when we moved in.

Because of this, out of the blue, we've had an over £4,000 council tax bill which, with back payments and the coming year's installments, works out at £811 a month.

No subsidies. No compromise.

Thankfully, our landlords have agreed to pay the backdated amount up until this year, in honour of the original contract, but it's come as a shock to them too.

Our share is still over £300 a month.

Well that's because your landlords were breaking the rules - a separate dwelling has its own council tax, you can't just rent out an annexe as a separate dwelling and claim to be exempt from council tax. That's tax evasion.

https://england.shelter.org.uk/professional_resources/legal/debt/council_tax/chargeable_dwellings

Shelter icon

Chargeable dwellings for council tax - Shelter England

Council tax is payable on domestic property, including caravans, houseboats, annexes, and care homes.

https://england.shelter.org.uk/professional_resources/legal/debt/council_tax/chargeable_dwellings

JHound · 01/05/2026 13:15

ProudAmberTurtle · 01/05/2026 12:56

About 25% of the council tax bill covers..

The pensions (not even the salaries) of council staff.

The average CEO of a UK council earns nearly £200k a year.

But despite this, every city now has a mayor, every region has another layer of government, Wales and Scotland have their own parliaments.

It's not unreasonable to say the taxpayer is not getting good value for money.

We used to have a fraction of these staff, paid a fraction in tax and managed to get the potholes filled when we needed.

We just didn't back then pay millions to people so they could spend thousands on rainbow crossings.

Where did you get that figure from?

NoWordForFluffy · 01/05/2026 13:14

anniegun · 01/05/2026 13:04

Those children grew up and are paying your pension. The generation before paid for your education. The current generation are paying for your NHS services, The next generation will probably pay for your social care. You will probably be still moaning then

Edited

This is pointed out to them on every thread they put their whining moan post. But they just ignore facts and keep moaning.

JHound · 01/05/2026 13:14

This. Which though I whine about it, I see adults and children’s social care as critical services. The former will only get higher too.

TheyGrewUp · 01/05/2026 13:14

We pay a lot, a bit under £500 I think. We have no beef about what we pay but we have a huge beef about the quality of the services provided for the money and recognise this has a greater impact on the least privileged, paying the lower amounts.

Children's Services have been in and out of special measures for years.
Shortage of SEN places in fit for purpose schools.
Street lights go off at 10.30.
Town Centre is a mess
Green belt being assigned grey belt
Roads full of potholes which are not dealt with
Pavements in need of repair
Rising crime
Unable to comment on elder care
Bins OK but the community recycling centre is now closed Monday to Wednesday.
Libraries are fab
Local Councillors are crap, Residents' Association
One of the wealthiest counties and a privileged borough. Rock on the unitary authorities and let's see if they do better.

PatNoodle · 01/05/2026 13:13

Savvysix1984 · 01/05/2026 13:02

Mine is £148 per month for a 3 bed semi. No water charges either which helps. Yours sounds really high

Depends what area of the country surely? OPs sounds low to me for a 3 bed, we pay £250 a month for a small 2 bed semi

RampantIvy · 01/05/2026 13:12

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.

Ours is £289.

HairyToity · 01/05/2026 13:12

Ours is £365 per month. Its tough.

Lifeomars · 01/05/2026 13:12

canyon2000 · 01/05/2026 12:57

I'm a bit surprised by some of your bills! We are band D, 4 bed house and ours is £227 a month. Guess it must depend on where you live, we are Leeds.
Eta we have no reductions either

Edited

Is that between 2 of you? I am in a Band A on my own and pay £134 a month, live in a two bed two up two down and don't have a garden.

JHound · 01/05/2026 13:11

TennisLady · 01/05/2026 12:49

It’s the most ridiculous and unfair tax.

How would you make it fairer.

DancingLions · 01/05/2026 13:11

I pay over 12 months and mine is £215 per month. Band E, one of the London councils. I owed them a big debt so was paying £600 a month for a long time 😭so going "down" to £200 is a lot better! Although now I'm used to paying £600 I intend to pay off the year in 4 months and forget about it for the rest of the year!

Joeythehurler · 01/05/2026 13:11

Mine is £357 a month for ten months. Grim.

deadpantrashcan · 01/05/2026 13:11

JHound · 01/05/2026 13:07

People have this weird belief about public sector salaries and what is actually funded!

Some people just like to take their misery out on others 🤷‍♀️

deadpantrashcan · 01/05/2026 13:10

Imfukinradiant · 01/05/2026 13:07

Should public sector workers do it for free? Who do you think should be paying the salaries in the public sector?

I guess so. We are but scum, it seems :)

ZanyMaker · 01/05/2026 13:09

Notmycircusnotmyotter · 01/05/2026 12:37

It's just so much! In my head it was about £150 and I made peace with that.

Is there a plan by government
at all except to squeeze and squeeze us until we just give up?

What did you pay last year? It can’t have jumped from £150 to £232, unless you have moved and didn’t check the banding.

deadpantrashcan · 01/05/2026 13:09

Lifeomars · 01/05/2026 13:02

I live alone in a two up two down Band A and I pay £134 a month, if I shared a Band D house I would pay the same amount, the whole system needs reforming. I can't understand anyone not knowing how much their council tax is, do they not open the bill/email, do a budget and monitor their income and expenditure? I would perhaps not resent the amount I pay if the area I live in wasn't a filthy rubbish strewn tip that I no longer invite people to my home, in fact much of the city where I live is a run down mess that makes me depressed when I go out.

Agreed. I don’t have visitors as I’m embarrassed by the borded up windows, graffiti, litter and dismantled furniture in gardens. I’m a civil servant, so don’t see myself ever really being able to afford living in a genuinely “nice” area.

JHound · 01/05/2026 13:08

As others have said a large chunk of the council bill (well at least mine) is social care services for the elderly and children. As the population ages and birth rates fall the latter is only going to increase.

circusrunaways · 01/05/2026 13:08

People really need to understand the demographic changes and the impact that has on taxes. We already have more over 65s than under 15s.

JHound · 01/05/2026 13:07

MayaLui · 01/05/2026 12:29

The vast majority of Council Tax goes on adult social care, ie care home and domiciliary care fees. It's a knock on effect of having an ageing population where people are living longer and the birth rate is reducing.

The second highest spend is children's social care - child protection, paying for children in care and children with disabilities.

Hardly any of it (proportionally) pays for salaries of council staff.

But fwiw I also pay the same as a single person and it stings even knowing what it pays for.

People have this weird belief about public sector salaries and what is actually funded!

DreamyScroller · 01/05/2026 13:07

Top this:

We live an annexe to a larger property. We found the place from a family we knew who had lived here and were moving out. They never paid council tax.

When we moved in two years ago, our contract stated that our council tax would be covered by our rent, as it was considered part of the larger property owned by the landlord.

Two years in, the council randomly decided to reclassify our home as a separate property liable for council tax, and also to backdate it to when we moved in.

Because of this, out of the blue, we've had an over £4,000 council tax bill which, with back payments and the coming year's installments, works out at £811 a month.

No subsidies. No compromise.

Thankfully, our landlords have agreed to pay the backdated amount up until this year, in honour of the original contract, but it's come as a shock to them too.

Our share is still over £300 a month.