Council Tax varies hugely by local authority. Use this tool to estimate your annual bill based on your property's band and your council, or look up the exact rate via gov.uk.
✓ Bands A–H✓ Discounts explained✓ Direct gov.uk lookup
Find your council's Band D rate on the gov.uk find-your-council page. National average for England 2025/26 is around £2,280.
Annual bill
£0
Band D
Monthly (over 10)
£0
10 monthly instalments
Monthly (over 12)
£0
on request
Weekly
£0
approximate
Breakdown
Your band
Band ratio (vs Band D)
Band D rate
Standard charge for your band
Discount
Annual Council Tax
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Council Tax bands explained
Every dwelling in England, Scotland and Wales is allocated a Council Tax band based on its valuation. The bands range from A (lowest) to H (highest). The Council Tax you pay is calculated as a fixed ratio of your council's Band D rate:
Band
Property value (England, 1991)
Ratio vs Band D
A
Up to £40,000
6/9 (≈ 67%)
B
£40,001 – £52,000
7/9 (≈ 78%)
C
£52,001 – £68,000
8/9 (≈ 89%)
D
£68,001 – £88,000
1.0 (baseline)
E
£88,001 – £120,000
11/9 (≈ 122%)
F
£120,001 – £160,000
13/9 (≈ 144%)
G
£160,001 – £320,000
15/9 (≈ 167%)
H
Over £320,000
18/9 (= 200%)
England Council Tax bands are based on property values as of 1 April 1991. Wales had a revaluation in 2003. Scotland still uses 1991 values.
Discounts and exemptions
Single Person Discount (25%) — if you live alone, or if everyone else in the home is "disregarded" for Council Tax
Full-time students — properties occupied only by full-time students are exempt
Severely mentally impaired — disregarded if living with one other adult, or full exemption if alone
Empty property — most councils now charge premium rates after 1 year, with some charging 200%–400% on long-empty homes
Council Tax Reduction (CTR) — means-tested support for low-income households; rules vary by council
Each council sets its own Band D rate to fund local services (rubbish collection, social care, road maintenance, etc.). The rate also includes precepts for police, fire services and parish councils. This is why neighbouring councils can have very different bills.
Can I challenge my band?
Yes. If you think your property is in the wrong band, you can apply for a review via the Valuation Office Agency (VOA) in England and Wales, or the Scottish Assessors. There's no fee, and successful challenges can result in refunds going back to when you moved in.
Can I pay over 12 months instead of 10?
Yes. The default is 10 instalments, but you can request 12 monthly payments from your council. This makes the bill more manageable but the total is the same.