Council Tax Support (CTS) is a scheme designed to provide financial relief to those who are struggling to pay their council tax. Council tax support is managed by local councils in the UK and can significantly reduce the amount of council tax you need to pay. This makes it more affordable for those who are on a low income or experiencing financial hardship.
In this guide, we explain how CTS works, as well as looking at discounts that are available. Whether you’re looking for information on how council tax debt can be written off or how to apply for council tax discounts, carry on reading or check out our comprehensive guide on Council Tax Debt Help & Advice.
How much Council Tax Support can I get?
The amount of Council Tax Support you can get will depend on various factors, including your income, savings, household size, and the number of dependents. Each council has its own rules and calculations, so the support you get might vary depending on where you live.
Generally, those who have the lowest incomes receive the most support. GOV.UK says for those who are eligible, your bill could potentially be reduced by up to 100%. To find out the specific amount you might be eligible for, it’s best to contact your local council or visit their website.
What other council tax discounts are available?
In addition to Council Tax Support, there are several other discounts available which could reduce your council tax bill even further. These include discounts for single persons, full-time students, pensioners, those with disabilities, and carers.
Below, we’ll take a look into each category to understand what you might be eligible for.
How much is council tax single person discount?
If you live alone or are the only adult in your household, you may be entitled to a Single Person Discount on your council tax. This discount typically reduces your council tax bill by 25%. You’ll just need to contact your local council and provide evidence of your living situation in order to apply for this discount.
It’s a straightforward process that could result in you saving a large amount over the course of a year.
Do full-time students pay council tax?
Full-time students are generally exempt from paying council tax. This exemption applies if you are enrolled in a course lasting at least one academic year and requiring at least 21 hours of study per week. If you live in a property where everyone is a full-time student, the household will be completely exempt from council tax.
However, if you share your home with non-students, the council tax bill may be reduced, but not entirely waived. If you find yourself in this living situation, make sure to provide proof of your student status to your local council to benefit from this exemption.
Do pensioners get a discount on council tax?
Pensioners may qualify for council tax discounts and exemptions depending on their income and savings. Those receiving Pension Credit Guarantee may be eligible for the maximum Council Tax Support, potentially covering the entire bill. Additionally, some councils offer specific schemes for pensioners, so it’s important to check with your local council for the exact benefits available.
What disabilities qualify for council tax reduction?
Individuals with disabilities can also receive council tax reductions through the Disabled Band Reduction Scheme. To qualify, your home must have certain features essential for the disabled person, such as a room used primarily for their care, an extra bathroom or kitchen for their use, or enough space for them to use a wheelchair indoors.
If you’re eligible, your property will be assessed as if it were in the band immediately below its actual band. For example, if your home is in band D, you’ll be charged as if it were in band C. And if your home is already in the lowest band (A), you should get a 17% discount on your bill instead. This reduction can make a significant difference in your annual council tax bill. To apply, you’ll just need to contact your local council and provide evidence of your circumstances.
Are carers exempt from council tax?
Carers may also qualify for council tax discounts or exemptions. If you are a live-in carer providing at least 35 hours of care per week and living with the person you care for, who is not your spouse, partner, or child under 18, you may be eligible for a discount.
Additionally, if you are a live-in carer for someone who is severely mentally impaired, the property might be exempt from council tax altogether.
How to apply for council tax discounts
Below, we’ve outlined some straightforward steps to help you apply:
- Identify the discount you are eligible for: Determine which discounts or supports apply to your situation, whether it’s the Single Person Discount, a student exemption, or a disability-related reduction
- Gather necessary documentation: Collect all required documents to prove your eligibility, such as proof of income, student status, or medical certification for disabilities
- Contact your local council: Visit your local council’s website or office to pick up the application forms. Many councils offer online applications, making the process more convenient
- Submit your application: Complete the application form and submit it along with the supporting documents
- Follow up: After you’ve submitted the forms, follow up with your council to ensure your application is processed as quickly as possible
For more tips on how to lower your monthly bills, see How to Save Money on Household Bills.
