Council tax and running costs in the UK
What council tax is, how bands work and what costs come with a home.
Applies to: United Kingdom. Reviewed 2026-09-25.
Key takeaways
- Council tax is set by the council according to the home's valuation band.
- A person living alone normally gets a 25 per cent discount.
Council tax
Council tax is paid to the council. The amount depends on the home's valuation band and the council's decision. Discounts exist, including for single occupants.
Other costs
- Buildings insurance (required by the lender) and contents insurance.
- Energy, water and broadband.
- Service charge and ground rent for leasehold.
- Maintenance: roof, boiler, windows and damp.
Questions to ask
- What council tax band is the home in and what is this year's amount?
Red flags
- Service charge and council tax are missing from the budget for a flat.
Sources
- Council Tax (GOV.UK)