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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?

401 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
Malasana · 01/05/2026 16:51

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.

The Council does not decide property splits and rebanding - the Valuation Office Agency does. Your council is just the billing authority and has to bill in accordance with the entries and bandings on the valuation list.

Malasana · 01/05/2026 16:59

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).

Do you not have any street lighting? No road repairs? You do know the police and fire service get a percentage don’t you? I’m sure you’d expect the fire brigade to come to you if your house was on fire. What about the care you may need when you’re older? Does your council not have any parks that you’ve walked through ever? They maintain those. Crematorium? That’s the council as well.
Your council tax pays for so much more than refuse collection.

Tulipvase · 01/05/2026 17:00

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

Yes, damn all those pesky social workers and OTs.

PhaedraTwo · 01/05/2026 17:02

I'm in Band F - £358 per month for a 2 bedroom flat.

Do you not have any street lighting? No road repairs?

The street lighting is poor and some of the roads are so badly potholed I plan routes to avoid them. But I take your point, it pays for the infrastructure as well as the services you use personally.

igelkott2026 · 01/05/2026 17:10

Mine is just under £300 - next year it will go over I am sure.

What do I get for it? Streetlights/bin emptying and the library which I have recently started using again.

Hereforthecommentz · 01/05/2026 17:11

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

Public sector pay is shite compared to private. Granted we get decent pensions, that just about makes up for it.

KnickerlessParsons · 01/05/2026 17:13

why would just 2 of the 27 houses in our street be band F when the other 25 are band E?
There are two designs of houses in the street, but lots of the houses (all?) have been extended or otherwise modified over the years. It seems odd that just 2 are in band F.

DreamyScroller · 01/05/2026 17:15

Malasana · 01/05/2026 16:51

The Council does not decide property splits and rebanding - the Valuation Office Agency does. Your council is just the billing authority and has to bill in accordance with the entries and bandings on the valuation list.

Well okay, whatever. My point is that we got a £4000 + council tax bill out of the blue.

Tulipvase · 01/05/2026 17:16

KnickerlessParsons · 01/05/2026 17:13

why would just 2 of the 27 houses in our street be band F when the other 25 are band E?
There are two designs of houses in the street, but lots of the houses (all?) have been extended or otherwise modified over the years. It seems odd that just 2 are in band F.

Ask for it to be reviewed. Houses only normally change bands due to extensions etc, when they are sold.

I had a review of a property a few years ago and the band was moved up and I got a rebate of the over payments.

Hereforthecommentz · 01/05/2026 17:17

Rqi · 01/05/2026 14:16

My council tax bill for the year just breached 4 grand 😱. Cookie cutter older new build estate type house. Not a mansion, not a million pound house, nothing like that.

I don’t even want to her the BS about adult social care. My mum lived nearby. She died of cancer 6 weeks ago and all the care was done by me and other family members. Council were useless. Called up saying “please can we not come today”. The CHARITY hospice were the people who actually visited and helped us and then accepted us as an inpatient. So I do begrudge paying massive amounts for “adult social care”.

The council only pick up bins once every 3 weeks. They don’t fix potholes. The tip is booking only and lots of things are chargeable.

as far as I’m concerned, my council tax is legalised robbery. I can’t fathom how such robbing is allowed.

Crikey that's a ripoff! 3 bed house here SE just over 200 per month. Our bins are collected weekly. Out council are pretty good at balancing the books. They are going to amalgamate with other councils soon so I expect it will all go to pot then.

catsarekeytohappiness · 01/05/2026 17:18

Hereforthecommentz · 01/05/2026 17:11

Public sector pay is shite compared to private. Granted we get decent pensions, that just about makes up for it.

It depends on the job. Some jobs are actually higher in the public sector now than they would be in the private. And you’re usually guaranteed a raise every year.

BotterMon · 01/05/2026 17:19

At least it's only 10 months a year. Mine is crazy high and it pisses me off that I pay more than my neighbours who are in a lower band than us but have done massive extensions and added 3 more bedrooms but not been rerated.

ConstantlyPeeing · 01/05/2026 17:20

Council tax is the one bill I hate the most. Mainly because I can't really control it. I live alone and with the single person discount it's still about £175 per month which seems such a huge number now I have retired. I live in a 3 bed (ha) new build which is very modest. Two tiny doubles and a single. I don't even live in an area with a ton of facilities. The grass never seems to be cut enough by the councils now which pisses me off given how high the bill is. Very annoying when trying to walk the dog.

I want to move house at some point and I will actually take the council tax into account for the first time. Prior to this it has never been a consideration but now it is. It's the bill i really hate paying as I am on a tight budget now and is just seems disproportionately high.

PhaedraTwo · 01/05/2026 17:23

catsarekeytohappiness · 01/05/2026 17:18

It depends on the job. Some jobs are actually higher in the public sector now than they would be in the private. And you’re usually guaranteed a raise every year.

Edited

Plus pension contributions unheard of in the private sector.

catsarekeytohappiness · 01/05/2026 17:23

Jamesblonde2 · 01/05/2026 16:34

Yes, mine begins with a 4!

Putting aside care of the elderly, the vast vast majority is paid out due to feckless people failing to bring up their children properly. Police/social services/fire brigade…….

They cost society a fooking fortune.

Adult social care makes up the majority of it. The rest is pennies in comparison.

I don’t think ‘poor parenting’ causes the bulk of fire brigade or police call outs.

Appleski · 01/05/2026 17:27

I does seem to have got really high over the last few years along with everything else. I do want to contribute but its hard when so much of what the council does with the money isn't obvious i.e. public services are still constantly cut back, the roads are a mess, bins rarely get emptied, facilities disappear and the general up keep of the place is poor. I understand more than half of what we pay goes to child and adult social care, which it a good use but also somewhat invisible to many people.

Paying a lot out and not seeing the benefit yourself along with dropping quality and quantity for everything else across the board can make you feel a bit hard done by.

PinkyFlamingo · 01/05/2026 17:28

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

What has that got to with paying your council tax?

Jamesblonde2 · 01/05/2026 17:34

catsarekeytohappiness · 01/05/2026 17:23

Adult social care makes up the majority of it. The rest is pennies in comparison.

I don’t think ‘poor parenting’ causes the bulk of fire brigade or police call outs.

Edited

Do you not?
Try watching police 24 hours, or whatever it’s called. Poor parenting is hugely responsible.

Lugol · 01/05/2026 17:38

Sortingmyself · 01/05/2026 12:20

ours has broken into the £300+ bracket now. We are in one of the councils who request a higher increase than 5%...and got it. Probably for their nice fat salaries...🙄

One of my neighbours worked quite high up in my local council and is now retired on a nice fat pension he's always bragging about.
DH best friend's father retired from his job at the council on his pension and the next day he returned as a private contractor to them doing the same job but this time earning a lot more so he is being paid twice.
Nothing around here is being fixed - potholes, hedges are overgrown same as and grass areas, no street sweepers etc bins overflowing, hardly and funding for police, fire or anything else.
My neighbour says it's because most of it goes on pensions like his.

KittyPup · 01/05/2026 17:38

£341 came out for us this morning. It’s a joke.

Beachforever · 01/05/2026 17:43

KnickerlessParsons · 01/05/2026 17:13

why would just 2 of the 27 houses in our street be band F when the other 25 are band E?
There are two designs of houses in the street, but lots of the houses (all?) have been extended or otherwise modified over the years. It seems odd that just 2 are in band F.

We have this on our street. Houses are re-banded when they are sold as I understand it.

My house is band F, others on the street are bands E and G. They are all the same, extended, done up Victorian terraces. Those that are G have had a more recent sale than those that are E and F.

If I were to sell mine tomorrow, it would go up a band due to the amount of work it has had done to it since we bought it.

CakesAndCandles1 · 01/05/2026 17:46

A lot of councils you pay across 10 months and get two months ‘Free’
Nothing is free you’re just paying for a 12 months across 10.
to reduce the monthly bill you can request to pay it over 12 months if it helps logistics.

Coorydoon · 01/05/2026 17:50

I'm just under £200 per month (over 10 months) for a band C, 2 bed house in Edinburgh.

This includes my water rates.
Have to pay a wee bit extra for garden waste collection.
Some of the charges seem extortionate.

Boopybop · 01/05/2026 17:51

£400 a month here. Bonkers

AnnikaA · 01/05/2026 17:57

Notmycircusnotmyotter · 01/05/2026 12:22

all of us paying for those public sector salaries

And their fabulous pensions, flexible working arrangements and annual pay rises!

I’m probably exaggerating but my company hasn’t given a payrise in 4 years