Estimate your annual Council Tax bill by borough and valuation band — the same A-H bands and ratios your council uses to work out what you owe.
Band D rates for 2026/27, effective 6 April 2026
| Band D rate (your authority) | £2,207 |
| Band D ratio | 1.0000 (9/9) |
| Gross annual charge | £2,207 |
| Total annual charge | £2,207 |
Band D rates shown are for 2026/27 (effective 6 April 2026) and come from each borough's published council tax notice. Rates are set independently by each authority every March — always check your council's website or your bill for the exact figure that applies to you.
This estimate doesn't include parish or town council precepts, which apply in some areas on top of the borough rate, or premiums for second homes and long-term empty properties.
Every home in England sits in one of eight Council Tax bands, A to H, based on what the property would have sold for on 1 April 1991 — not what it's worth today. The Valuation Office Agency assigns the band, not your local council.
Each band pays a fixed proportion of the Band D rate: Band A pays six-ninths (two-thirds), while Band H pays double. Your council sets a single Band D figure each spring, and every other band is calculated from that.
The 32 London boroughs, plus the City of London, each set their own Band D rate independently. For 2026/27 the gap between the cheapest (Wandsworth, at £1,020) and the most expensive (Kingston upon Thames, at £2,608) is over £1,500 a year on an identical Band D property.
That difference comes down to each council's funding mix — how much central government grant it receives, how much income it earns from commercial property and business rates, and how large its social care budget is relative to its tax base.
If you're the only adult living in a property, you're entitled to a 25% discount on your Council Tax bill. The same 25% discount also applies if everyone else in the household is "disregarded" for Council Tax purposes — full-time students, for example. If every adult in the household is disregarded, the discount rises to 50%, and a household where everyone is a full-time student is exempt entirely.
You can look up any property's Council Tax band for free on gov.uk. Bands set back in 1991 aren't always accurate — if comparable properties on your street are in a lower band, you can challenge yours with the Valuation Office Agency. Successful challenges can mean a backdated refund, though there's also a small chance the VOA moves your band up instead.