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Share your dilemmas and get honest opinions from other Mumsnetters.

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

406 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
JHound · 01/05/2026 15:12

I can’t read it but if ~78% is social care (posted earlier) and 25% is salaries then something is not adding up.

JackandVictor · 01/05/2026 15:13

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

That was supposed to say glad you got yours sorted but I'm really nice of you to tell your neighbour as well. I bet they were so pleased. Well done!!

Beachforever · 01/05/2026 15:17

@FruAashild I had no idea that the difference was so large. Our council does regularly remind us that we have one of the lowest rates in the country but I just thought it was a few percent lower and more than made up for by the amount we pay for parking permits. I didn’t realise some places pay double what we do.

JHound · 01/05/2026 15:17

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!

I’m private sector (always have been) and hear this a lot. People I knew that worked for state / local government entities all had the same comment. Once salary was taken into consideration (and for some bonus) their total remuneration was much higher even taking into account lower pension contributions.

JHound · 01/05/2026 15:19

LostFuse · 01/05/2026 13:44

In 2016-17 councils and other bodies across England paid £7.4bn in pension contributions, although it's uncertain exactly how much of that was funded by council tax.
During that period, people in England paid £26bn in council tax, which accounted for 28% of total local government funding.
If 28% of local authority pension contributions that year came from council tax, then the cost would be about £2bn.
That amounts to 8p of every £1 of council tax paid in England.

Thanks for that context! I could not read the article.

Bringbackbuffy · 01/05/2026 15:22

£377 with single person discount for a 3 bed semi here. Makes me feel sick

Imlyingandthatsthetruth · 01/05/2026 15:23

Comparing individual council tax charges seems a bit pointless, we all know there's a huge variation across councils and which part of the country you're in. Not saying the charges are right or fair - all I effectively get for my £331 every month is street lights, bin collections (with food bins thrown on the lawn on their sides every week for free) and maybe twice a year street cleaning. But I understand that most of what they lever out of my tight fist goes on social care and what have you; so be it.

What I find incredible is that the OP is prepared to bury her head in the sand and not do any forward planning or budgeting. Come on, the councils (well, ours, but I'm sure all the rest too) send the information out with a pretty full breakdown of the increase every year. I may not like it but I know exactly what I'm going to be paying come April, why on earth would you ignore that?

LakieLady · 01/05/2026 15:26

FruAashild · 01/05/2026 15:04

I'm in a nice market town in the NE, our house is band F, and just checked, our bill this year is £3,600. So double what you pay each month, but actually our council is pretty average with what it charges so you must be in one of the lowest charging councils in the country.

Ranked Council Charges

Thanks for that link @FruAashild .

My council tax is nearly at the top of the charts again, 2nd most expensive in the UK. They only came 4th last year!

OpheliaWitchoftheWoods · 01/05/2026 15:28

No amount of my budgeting is going to make up for the gap between income and outgoings on tax at the moment, I am just not being left enough of my wages. Trying to save any further for pensions has become impossible. There's a limit to how far these demands can rise before people just can't pay them, it doesn't match wages, or the increase in food and everything else. Social care etc is all lovely, but in practical terms, the bin collections are about to move to 3 weekly to save council money, the roads are a mess everywhere and not being repaired, the town is dirty, rubbish strewn and unkempt, and it's very hard for many to see what on earth they are breaking their backs to pay for.

LakieLady · 01/05/2026 15:29

Pickledonion1999 · 01/05/2026 15:08

My area is one of just a couple in the whole country who have started to class PIP as income. It has badly affected a lot of disabled people. So if you live within this particular city boundary your PIP is counted as income and if you live a street away in the county it isn't.

That's shocking, @Pickledonion1999 ! PIP is supposed to be cover additional costs arising from illness/disability, not pay the fucking council tax.

MsGreying · 01/05/2026 15:29

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

Pensions too.

And the diversity officers.

Pickledonion1999 · 01/05/2026 15:30

LakieLady · 01/05/2026 15:29

That's shocking, @Pickledonion1999 ! PIP is supposed to be cover additional costs arising from illness/disability, not pay the fucking council tax.

I'm sure there will be some kind of legal challenge to it soon.

Timetakesacigarette · 01/05/2026 15:31

Notmycircusnotmyotter · 01/05/2026 12:16

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

That’s where you’ve gone wrong, not reading your letters.

HPFA · 01/05/2026 15:43

Buscobel · 01/05/2026 14:55

I sthink people would be more accepting, if there was some clarity about how council tax payments are arrived at, in different areas and how the banding system actually works. There seem to be so many anomalies in n £00the way these things re calculated and why there is so much variation across the country.

We moved eighteen months ago, downsizing. Council tax then was less than £200 a month for a three bed house. Less than two years later, it’s £244 a month and the increase this year was in excess of 5%. We are rapidly getting to the point where we cannot cope with more increases.

It's because the council tax is based on property valuations for 1992.

Most experts would say that a revaluation of council tax is badly needed but politicians avoid it because inevitably there would be losers. As you can see from this thread most people regard themselves as "givers" not "takers" when it comes to public services.

HPFA · 01/05/2026 15:44

MsGreying · 01/05/2026 15:29

Pensions too.

And the diversity officers.

Weren't Reform going to sack all those?

Except they found they mostly don't exist.

Jenkibuble · 01/05/2026 15:44

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.

Other services should not be neglected though - our bin collections are sporadic, streets covered in fly-tipping , parks are derelict (equipment damaged and not replaced) libraries closed or have part time opening hours !

I am band B and with sole person discount mine is £180 a month.
Hoping to move soon (about 5 miles away into an area with a higher CT charge ) I perceive it worth it though (nicer quality of living )

Mere1 · 01/05/2026 15:45

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

Here we go again….

HurdyGurdy19 · 01/05/2026 15:46

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

including the public sector workers

IDontHateRainbows · 01/05/2026 15:46

People whinge about public services when tories are in power and whinge about taxes when labour are. Can't have it both ways folks.

ScholesPanda · 01/05/2026 15:50

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.

Most of that will be spent on looked after children and children's social care. Imagine resenting sexually and physically abused children being fed and housed.
Have you thought about putting Oliver! on and screaming abuse at the orphans? Might make you feel better. Although they did get jobs as pickpockets so you might like them I guess.

RisingSunn · 01/05/2026 15:51

menopausalmare · 01/05/2026 13:01

Mine's £309 a month, band E, 3 bed semi, South East. I wouldn't mind but are roads are awful and my car has a permanent creak/ grind/ squeak.

Gosh. That's a lot for 3 bed isn't it.

ThisSunnyBee · 01/05/2026 15:53

Sounds quite low

CeciliaMars · 01/05/2026 15:53

Mine is now about £370 a month for a 4-bed semi on a very average street. Most houses on the street are 1 or even 2 bands lower. I’ve challenged it but the challenge was turned down. There are people round here living in £2m + houses who only pay a bit more than us. So £232 doesn’t sound too bad to me!

Mumstheword1983 · 01/05/2026 15:57

£420 here. It has gone up quite a bit in recent years.

FruAashild · 01/05/2026 15:58

Beachforever · 01/05/2026 15:17

@FruAashild I had no idea that the difference was so large. Our council does regularly remind us that we have one of the lowest rates in the country but I just thought it was a few percent lower and more than made up for by the amount we pay for parking permits. I didn’t realise some places pay double what we do.

Edited

Places that are average pay double, the most expensive pay 2.68x as much as the lowest so you'd have to pay nearly £400 per month if you lived in an expensive council area. The so called 'mansion tax' will balance it out a bit, looking at a Band F house in Wandsworth (cheapest area) they will have to pay an extra £2500 which will mean they are paying the same as someone in Devon (most expensive area).

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