Council Tax Band G in Cardiff: 2026/27 Annual Bill
A Band G property in Cardiff (Wales) pays £3,355 per year in Council Tax before any discount, based on the 2026/27 Band D rate of £2,013 inclusive of all precepts. Band G is fixed at 15/9 of Band D (166.7% of the local Band D rate) by statute, so the multiplier is the same in every billing authority in Wales.
Discount scenarios for Band G in Cardiff
How the £3,355 gross bill changes under the most common UK Council Tax reliefs. The disabled banded-down figure applies under the Disabled Band Reduction Scheme when the property has been adapted for a disabled occupant - the bill is charged as if the property were one band lower.
| Scenario | Annual bill | Monthly (10) | Saving vs gross |
|---|---|---|---|
| Gross bill (2+ adults, no discount) | £3,355 | £336 | £0 |
| After 25% Single Person Discount | £2,516 | £252 | £839 |
| Disabled Band Reduction (banded down) | £2,908 | £291 | £447 |
| 100% all-student exemption | £0 | £0 | £3,355 |
Need a different scenario (severely mentally impaired disregard, Council Tax Reduction, or a mixed-adult household)? The main Council Tax calculator lets you model any combination.
Band G compared with nearby authorities
Same band, four closest Welsh authorities by Band D rate. Useful when comparing offers across council boundaries (the same band can vary by hundreds of pounds depending on the billing authority and its precepts).
| Local authority | Band D (LA) | Band G annual | Difference vs Cardiff |
|---|---|---|---|
| Cardiff (this page) | £2,013 | £3,355 | - |
| Caerphilly | £2,083 | £3,472 | +£117 |
| Newport | £2,088 | £3,480 | +£125 |
| Swansea | £2,238 | £3,730 | +£375 |
| Rhondda Cynon Taf | £2,289 | £3,815 | +£460 |
All bands in Cardiff
Statutory band ratios applied to Cardiff's published 2026/27 Band D rate of £2,013. If your property is on a different band than G, jump straight to the right row below.
| Band | Ratio | Annual | Monthly (10) | Monthly (12) |
|---|---|---|---|---|
| Band A | 6/9 | £1,342 | £134 | £112 |
| Band B | 7/9 | £1,566 | £157 | £130 |
| Band C | 8/9 | £1,789 | £179 | £149 |
| Band D | 9/9 | £2,013 | £201 | £168 |
| Band E | 11/9 | £2,460 | £246 | £205 |
| Band F | 13/9 | £2,908 | £291 | £242 |
| Band G (this page) | 15/9 | £3,355 | £336 | £280 |
| Band H | 18/9 | £4,026 | £403 | £336 |
| Band I | 21/9 | £4,697 | £470 | £391 |
How Cardiff sets the Band D rate
Council Tax is a property tax administered by your billing authority. Cardiff's published Band D figure for 2026/27 (£2,013) is the sum of every precept that appears on a resident's bill: the billing authority's own charge, the police and crime commissioner precept, fire and rescue, and any parish or town council precept that applies. Every band is a fixed statutory proportion of Band D. England and Wales set these in ninths: Band A is 6/9 of Band D, Band B is 7/9, Band C is 8/9, Band D is 9/9, Band E is 11/9, Band F is 13/9, Band G is 15/9, Band H is 18/9, and Band I in Wales is 21/9.
The valuation date is 1 April 2003 (Wales rebanded in 2003 and added Band I for the most valuable properties). New builds are slotted into a band by analogy with comparable older stock. The Valuation Office Agency (VOA) handles banding decisions and band challenges.
The 2026/27 published Band D figures are typically confirmed by individual billing authorities in February or March, before the billing year starts on 1 April. This page uses the latest confirmed published rate (2026/27) so the underlying provenance is auditable.
The English council tax referendum limits do not apply in Wales: the referendum rules in Chapter 4ZA of the Local Government Finance Act 1992 cover only authorities in England (s.52ZA, checked 2026-10-20). In Wales the Welsh Ministers have a different power: if they consider an authority's budget requirement for the year excessive, judged against principles they determine, they may designate or nominate the authority (Local Government Finance Act 1992 s.52B, checked 2026-10-20).
Related
- Full Council Tax calculator - change LA, band, household, and discounts.
- Band G across the UK - top 20 authorities at Band G.
- LTT (Wales) - Land Transaction Tax on property purchase.
- Mortgage affordability - factor Council Tax into housing cost.
Frequently asked questions
- How is the Band G bill in Cardiff calculated?
- The Band D rate published by Cardiff for 2026/27 is £2,013 inclusive of every precept on the bill (billing authority, county or upper-tier in two-tier areas, police, fire, and parish where applicable). Band G is fixed at 15/9 of Band D under the Local Government Finance Act 1992, so the Band G annual bill is £2,013 multiplied by 1.667 which gives £3,355 before any discounts.
- Can I get the 25% Single Person Discount?
- Yes, if you are the only adult living at the property as your sole or main residence. The discount cuts the gross bill by 25%, so a Band G household in Cardiff would pay £2,516 per year instead of £3,355. You have to apply to Cardiff for it. If you get a discount by mistake you must tell the council, which can ask you to pay it back and charge a penalty: section 14 and Schedule 3 of the Local Government Finance Act 1992 provide for civil penalties.
- What if everyone in the property is a full-time student?
- An all-student household is 100% exempt from Council Tax, so the annual bill drops to £0. To count as full-time the course must last at least 1 year and involve at least 21 hours of study a week; for a course up to A level taken by someone under 20, at least 3 months and 12 hours a week. If a student lives with one non-student adult, the non-student gets the 25% Single Person Discount instead of full exemption.
- Can I pay over 12 months instead of 10?
- The bill is usually split into 10 monthly payments, and you can ask Cardiff to spread it over 12 instead. For Band G the 10-instalment figure is £336 a month and the 12-instalment figure is £280 a month, before any discounts. The annual total is unchanged. If you are struggling to pay, contact the council straight away rather than missing an instalment.