Choose where the home is, its band and your council’s Band D charge for 2026 to 2027. The calculator applies the proportion the law sets for the band, takes off the single person discount or adds a second home or empty home premium, and splits the bill into monthly instalments the way councils do. It covers England, Wales and Scotland; Northern Ireland has domestic rates instead of council tax. Own a home in France? The French version of this page works out the taxe foncière.
Find your band and your council’s Band D charge
Your band is on your bill. You can also look it up on GOV.UK for a home in England or Wales, or on the Scottish Assessors’ website for Scotland. Each council publishes its charge for every band; Band D is the reference figure. Where your council lists a different figure for your town or parish, use that one, as it includes the local precept. The average Band D in England for 2026 to 2027 is £2,392.
How the bands compare
Every band pays a fixed share of Band D. In England, Band A pays 6/9 of Band D and Band H 18/9, twice Band D. Wales has a ninth band, Band I, at 21/9. Scotland has used its own proportions since April 2017, from 240/360 for Band A to 882/360 for Band H. Bands rest on a home’s value on 1 April 1991 in England and Scotland, and on 1 April 2003 in Wales, not on what it would sell for today.
Discounts and premiums
If one adult lives in the home as their main home, the bill is 25% lower. Some people, such as full-time students, are not counted. If no one lives there, the council may add a premium. In England it can charge up to 100% on a second home, and on a home left empty and unfurnished up to 100% after a year, 200% after 5 years and 300% after 10 years. Welsh councils can charge up to 300%. In Scotland, second homes and long-term empty homes pay 100% more since 1 April 2026, unless the council has set another rate.
Monthly instalments
Councils in England and Wales split the bill into 10 monthly payments, or 12 if you ask. When the bill does not divide into whole pounds, every instalment but the first is rounded to the nearest pound and the first takes the difference. If an instalment would be under £5, the council can add the second instalment to the first, or ask for fewer instalments of at least £5. In Scotland the regulations set 10 instalments, from May to February, the council decides whether to round up or down, and water and waste water charges, not included here, are added to the bill. A bill sent after the year has started has fewer instalments.
Band charge = Band D × the band’s proportion. England and Wales: A 6/9, B 7/9, C 8/9, D 9/9, E 11/9, F 13/9, G 15/9, H 18/9, and in Wales I 21/9. Scotland: A 240/360, B 280/360, C 320/360, D 360/360, E 473/360, F 585/360, G 705/360, H 882/360. Rounded to the penny.
One adult: bill = band charge − 25%.
No one living there: bill = band charge + the council’s premium.
Instalments: each = bill ÷ 10 (or 12), rounded to the nearest pound; the first = bill − the others. An instalment under £5 brings the second instalment into the first, or fewer instalments of at least £5.
Example: a Band C home in England, one adult
At England’s average Band D for 2026 to 2027, £2,392.00, a Band C home pays £2,392.00 × 8/9 = £2,126.22. With one adult living there, the 25% discount of £531.56 brings the bill to £1,594.66. Over 10 instalments, £1,594.66 ÷ 10 = £159.466, so nine instalments are £159.00 and the first is £1,594.66 − 9 × £159.00 = £163.66.
