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What is Your Council Tax Banding?

Phi Spencer

By Phil Spencer

Council tax bands determine how much council tax you pay.

Therefore, it’s essential to ensure your banding is right. We help answer the question, what is your council tax banding?

What is council tax?

Council tax is a local property tax, introduced in 1993 to replace the Community Charge.

It’s levied by your local council in order to top up the funds they receive from the government, to allow them to provide you with a number of services.

What does council tax pay for?

Council tax pays for local services such as police, libraries, leisure and recreation centres, rubbish collection and disposal, environmental health. It doesn’t pay for health services.

Who has to pay council tax?

Usually anyone over 18 who owns or rents their home has to pay council tax.

There are exemptions, such as students, so check with your local council to find out if you’re eligible or not.

How do you work out how much council tax you owe?

It is fairly easy to work out how much you owe.

You need to know:

  1. The valuation band for your home.
  2. How much your local council charges for that band.
  3. Whether you’re eligible for a discount.

What is council tax banding?

Council tax bands are calculated based on the value of your property at a certain time. Your local council sets the band levels in its jurisdiction. Therefore, how much you owe varies from council to council.

How to dispute a council tax banding

There are three ways to dispute a council tax banding:

  1. If you think your property has been valued incorrectly, you can dispute the amount you are charged and appeal against it.
  2. You can have your property revalued.
  3. You can dispute the original valuation.

Having the property revalued

If you think your property is in the wrong council tax banding, you can have it revalued. This typically occurs if there have been serious alterations to the property since the original valuation.

The Valuation Office Agency (VOA), part of HMRC, has a list of 14 reasons why a property might be in the wrong banding, have a look through them to see if your reason falls into any of these categories.

It’s worth bearing in mind, though, that if you query the property’s value, you might find it goes up instead of down. In which case the property will move up a council tax banding, but only when it’s sold.

Disputing the original valuation

You will have to talk to the VOA and convince them that their original valuation for the property was incorrect. You will want evidence to support your argument, so check the band of properties similar to yours, in your area and see if they’re on a lower tariff.

You can also check to see if the house is in the same band as it was originally put in, based on the original 1991 valuation.

Appealing against a council tax banding

If you feel it’s necessary to appeal against your council tax banding, here’s how it’s done:

  1. Write to the council and explain why you’re disputing the bill.
  2. If you disagree with the council’s verdict on reviewing your case, you can appeal to a valuation tribunal.
  3. You need to write to the valuation tribunal stating your case.
  4. If necessary, your case will go to hearing (this won’t cost you unless you hire a solicitor to represent you).

Want to learn more about a prospective property the area? Find out all you need to know with Phil Spencer's Property Report, with information on everything from crime rates to local schools. Get your full report here!

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