What is Council Tax?
In simple terms: Council tax is a yearly bill you pay to your local council. It helps fund local services like rubbish collection, street lighting, libraries, and emergency services.
Council tax replaced the old "poll tax" in 1993. Unlike the poll tax (which everyone paid the same), council tax is based on the value of your property. This means people in larger or more valuable homes typically pay more.
Who Has to Pay Council Tax?
You usually have to pay council tax if you're 18 or over and:
- ✓You own or rent a home
- ✓You live in a property (even if you don't own it)
- ✓You're listed as the "liable person" for a property
Who's Responsible?
If multiple people live in a property, there's an order of who's responsible. Usually: resident owner → resident tenant → resident → owner → tenant. Couples living together are jointly responsible.
How Is Your Bill Calculated?
Your council tax bill depends on three things:
Your Property's Band
Every home is placed in a band from A (lowest value) to H (highest value) based on what it was worth in April 1991 (England/Scotland) or April 2003 (Wales).
Your Council's Rate
Each council sets its own rate. This is why two Band D homes in different areas can have very different bills.
Any Discounts
You might get money off if you live alone, are a student, or receive certain benefits.
What Does Council Tax Pay For?
Your council tax money goes to several different authorities. Here's a typical breakdown:
Schools, social care, roads, libraries
Local parks, community centres (not in all areas)
When Do You Pay?
The council tax year runs from 1 April to 31 March. You'll get a bill in March/April showing your annual charge.
Payment Options
- • 10 monthly payments (April to January) - most common
- • 12 monthly payments - if you ask your council
- • One lump sum - if you prefer
- • Direct debit - easiest way, choose your payment date
Key Things to Remember
- ✓Council tax is a yearly bill based on your property's value
- ✓Bills can vary hugely between different council areas
- ✓Many people are entitled to discounts - check if you qualify
- ✓You can spread payments over 10 or 12 months
- ✓Always tell your council if your circumstances change