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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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Silverbirchleaf · 03/05/2026 21:55

The squeezed middle.

SP2024 · 03/05/2026 21:31

Wow. Ours is about £200 and I thought that was extortionate. How are people finding £400+ fees??!

Oldwmn · 03/05/2026 21:27

Notmycircusnotmyotter · 01/05/2026 12:16

I hadn't taken notice of it if I'm honest

There you go then. Everything will come as a surprise/shock if you don't pay attention 😉

XenoBitch · 03/05/2026 21:20

suburburban · 03/05/2026 21:17

Yes don’t they and I don’t agree with the taxis

Have you spoken to anyone who needs taxis for their SEN kids?
They use their car to get their non-SEN kids to school, and a taxi takes their SEN kid to their particular school, which is often not local.
A parent can not be in two places at once.

suburburban · 03/05/2026 21:17

2ndcarowner · 03/05/2026 10:46

Because £300 a month is about 20% of my income, I don’t think I should be working 1 day in 5 to pay for other people to go into privately owned care homes making a profit for their owners, or paying for private schools or taxis for SEN kids when everyone seems to have SEN these days. I think the councils could run things themselves to provide these services more cheaply.

Yes don’t they and I don’t agree with the taxis

Mushypeasandchipstogo · 03/05/2026 21:02

Ours is over £400 now and don’t get me started on the water rate !

IwanttoWFH · 03/05/2026 20:36

We pay £239 a month for a four bed detached in a nice area (South East of England). Although it’s risen by £35 a month since we moved in nearly five years ago, I am relatively happy with our council. Lots of green space, rubbish free roads, wheelie bins, garden waste collections etc.

I compare it to when I lived in an outer London borough. It wasn’t much less for a two bedroom flat. Rubbish everywhere (I used to have to go and pick it up myself), so I know it could be worse!

FruAashild · 03/05/2026 19:51

muddyford · 03/05/2026 04:47

In some areas, Orkney I think is one, the council pension scheme takes more than 100% of the council tax take. How they function is anybody's guess.

It's Shetland, in Orkney it's less than 100% but still high. Both have good local services that most places can only dream of though. Council tax is not a council's only source of income which is why council tax varies so much from area to area. So, for example, in some urban areas commercial rates are a much higher percentage of that coucil's income that the council tax. Shetland has large reserves due to its historic oil and gas income (it has one of the largest oil facilities in Europe) and uses these to shore up the shortfall in income. Orkney has a high income from harbour charges, it's world class historic sites means it's a popular stop for cruise ships.

WhitegreeNcandle · 03/05/2026 19:29

The rates vary so much partly because councils who get a lot of business rate income milk that cow instead of council tax. It’s why central London often has really low council tax.

Business rates are another killer!

Geranium1984 · 03/05/2026 18:54

Ours is £350 per month Confused

Notmeagain12 · 03/05/2026 18:52

XenoBitch · 03/05/2026 18:43

Two adults are not necessarily using schools.

But yeah, taxing individuals makes more sense in my eyes. A couple in a 4 bed house would be paying the same CT as a group 4+ friends house sharing next door (and they would all be paying less if they split the bill). Or a childless couple be paying the same as a couple with multiple children, which I assume would be making more rubbish and will be using schools etc.

I am not really sure what the answer is.

This was how it was done before council tax.

it was called..poll tax and caused riots.

i had to pay 20% as a student. As a single parent household we were much better off when we were children.

XenoBitch · 03/05/2026 18:43

Silverbirchleaf · 03/05/2026 18:35

Why aren’t all three bedroom houses, for example, taxed the same, regardless of size. Two adults in a larger house use the same roads, rubbish collections, schools etc as someone in a smaller house. I guess people could assume that a larger house equates to larger wages, but that’s not necessarily true.

Or maybe the poll tax wasn’t such a bad idea. People are saying that single people should get a bigger discount, so maybe council tax should be taxed per person, and not per house size … (runs and takes cover)

Two adults are not necessarily using schools.

But yeah, taxing individuals makes more sense in my eyes. A couple in a 4 bed house would be paying the same CT as a group 4+ friends house sharing next door (and they would all be paying less if they split the bill). Or a childless couple be paying the same as a couple with multiple children, which I assume would be making more rubbish and will be using schools etc.

I am not really sure what the answer is.

Silverbirchleaf · 03/05/2026 18:35

Why aren’t all three bedroom houses, for example, taxed the same, regardless of size. Two adults in a larger house use the same roads, rubbish collections, schools etc as someone in a smaller house. I guess people could assume that a larger house equates to larger wages, but that’s not necessarily true.

Or maybe the poll tax wasn’t such a bad idea. People are saying that single people should get a bigger discount, so maybe council tax should be taxed per person, and not per house size … (runs and takes cover)

Single50something · 03/05/2026 18:28

MoonCharged · 02/05/2026 18:39

Mine is around the £160 mark for a 7 bed with detached double garage and shed in the sprawling countryside. Its insane how different areas can affect the prices.

Thats mad. Mine is 160 with single discount. Small modern 3 bed terrace in SW.

Lifeomars · 03/05/2026 18:18

bigvig · 03/05/2026 08:09

I'm also a single parent on a decent income OP. Others don't quite realise how hard it is on one income. The tax syatem etc should reflect household income not individual income. I also get zero CMS. What looks like a good wage is actually less than someone on benefits. It's shit!

That was how it was for me, single parent no child support, holding down two jobs at times to cover all the bills. Retired a few years ago and was managing ok until the cost of living crisis hit and now I feel as if i am back to the start except I am no longer young, strong and hopeful! I did my budget the other day and compared to about 3 years ago, my essentlal outgoings (food, fuel, water, council tax, broadband, phone, insurance, tv licence etc) when added up have increased by 129%. I expect that my Band A single person's council tax will be well over £2k a year before I die! I try not to think about it. .

PeoplesNet · 03/05/2026 17:56

Isinglass20 · 02/05/2026 20:50

Interesting to hear what Sir John Major said, reported on Newsnight, that successive governments are failing to plan for our ageing society and a desperate crisis is looming.

The reality is as a country we do not pay enough tax. If we want the levels of social care they have in the Baltic countries and Europe thenwe’re faced with higher taxes.

The only source of money is tax: VAT, corporation tax, inheritance tax and personal tax. That is our contract with the State.

Otherwise we have the social unfairness of the US, and brutal levels of poverty that exist there.

Sorry, no. It's the top earners who don't pay enough. We pay plenty.

StephQ1 · 03/05/2026 16:33

2ndcarowner · 03/05/2026 10:46

Because £300 a month is about 20% of my income, I don’t think I should be working 1 day in 5 to pay for other people to go into privately owned care homes making a profit for their owners, or paying for private schools or taxis for SEN kids when everyone seems to have SEN these days. I think the councils could run things themselves to provide these services more cheaply.

If there were no private schools your council tax would be even higher. They subsidise the state sector despite the nonsense Labour comes out with. The VAT policy has made things much worse for the taxpayer who will now receive lower subsidies from the private school sector.

Talk about turkeys voting for Christmas.

Differentforgirls · 03/05/2026 13:29

Just as an aside. Don’t know about rUK but in Scotland our councils are hampered by historical Labour decisions regarding PFI and equal pay for women.

I think we have it good due to the fact that we pay a one off charge for unlimited water within our CT.

I couldn’t cope with a water metre. We just use what we want, when we want it.

MikeRafone · 03/05/2026 12:24

Perrygreen · 03/05/2026 08:15

We have an ageing population. Council tax isn't going to get any cheaper for the foreseeable future.
Council staff aren't on mega-bucks.

we are having councils being ripped of by operate companies sorting the adult social care, they are making millions out of our council tax. There are very few in house residential places.

Thesleepycat · 03/05/2026 12:10

We are also paying for council vanity projects - I live in Edinburgh and they bought in trams at the costs of milllions - toook years longer than they said it would and was way over budget. And we had an excellent bus route that went that exact same way. I wouldn’t mind paying the exorbitant amount if it was going into social care, grants to small charities, fixing potholes….. but it’s like having a second mortgage meanwhile the infrastructure around us crumbles.

BlackCatThinking · 03/05/2026 11:37

forgotmyfiltertoday · 03/05/2026 08:05

Mine has also gone up loads. I have a small detached modern house but no front garden, no garage, a tiny kitchen (fridge freezer doesn’t even fit in it, it’s in a cupboard in the hallway) 3 beds and small back garden yet I’m band G. Most people don’t believe me when I say I’m band G. It’s a small house.

It’s galling isn’t it? You only have to scan RightMove to find example after example of houses in incorrect bands.

BlackCatThinking · 03/05/2026 11:25

hoardingwealth · 01/05/2026 14:37

I've just had a look to see what our banding is, and what our neighbours bandings are. Our house is band F. We have 5 bedrooms. Both neighbours either side are also F. But one of those is a 3 bed, and one is a 4 bed. I then looked up FIL's house which is a 6 bed HUGE mansion.... also band F.

WTF?

Exactly this! I pay £360 a month on a band F. Finding egregious examples of low banded equivalent or bigger homes is like shooting fish in a barrel. I almost wouldn’t mind the high cost if it were an equitable system but it is not.

I have no chance to appeal as my home home is one of 4 designs on a small 70s development. Mine is the smallest but they were all banded the same. I have worked out that, with inflation, band f would now be 650-800k. My house is not in that ballpark.

2ndcarowner · 03/05/2026 10:46

Bookaholicwithwine · 02/05/2026 21:40

Why ?

Because £300 a month is about 20% of my income, I don’t think I should be working 1 day in 5 to pay for other people to go into privately owned care homes making a profit for their owners, or paying for private schools or taxis for SEN kids when everyone seems to have SEN these days. I think the councils could run things themselves to provide these services more cheaply.

LongDarkTeatime · 03/05/2026 10:40

Rather than just looking at the whole bill it may be worth considering what it pays for and which bits could be cut further? Should the spend on bins be cut, or should the disabled person down the street get less care, or should the pot holes not be filled, or should we ban random flags so the council don’t have to pay to take them down. It’s an honest question.
Who has looked on their council’s breakdown of costs.
NB no I don’t work for a council.

StephQ1 · 03/05/2026 08:48

My annual council tax bill is less than a fortnight’s worth of income tax.

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