Council Tax Band H in Swansea: 2026/27 Annual Bill
A Band H property in Swansea (Wales) pays £4,476 per year in Council Tax before any discount, based on the 2026/27 Band D rate of £2,238 inclusive of all precepts. Band H is fixed at 18/9 of Band D (200.0% of the local Band D rate) by statute, so the multiplier is the same in every billing authority in Wales.
Discount scenarios for Band H in Swansea
How the £4,476 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) | £4,476 | £448 | £0 |
| After 25% Single Person Discount | £3,357 | £336 | £1,119 |
| Disabled Band Reduction (banded down) | £3,730 | £373 | £746 |
| 100% all-student exemption | £0 | £0 | £4,476 |
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 H 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 H annual | Difference vs Swansea |
|---|---|---|---|
| Swansea (this page) | £2,238 | £4,476 | - |
| Rhondda Cynon Taf | £2,289 | £4,578 | +£102 |
| Wrexham | £2,309 | £4,618 | +£142 |
| Carmarthenshire | £2,351 | £4,702 | +£226 |
| Flintshire | £2,376 | £4,752 | +£276 |
All bands in Swansea
Statutory band ratios applied to Swansea's published 2026/27 Band D rate of £2,238. If your property is on a different band than H, jump straight to the right row below.
| Band | Ratio | Annual | Monthly (10) | Monthly (12) |
|---|---|---|---|---|
| Band A | 6/9 | £1,492 | £149 | £124 |
| Band B | 7/9 | £1,741 | £174 | £145 |
| Band C | 8/9 | £1,989 | £199 | £166 |
| Band D | 9/9 | £2,238 | £224 | £187 |
| Band E | 11/9 | £2,735 | £274 | £228 |
| Band F | 13/9 | £3,233 | £323 | £269 |
| Band G | 15/9 | £3,730 | £373 | £311 |
| Band H (this page) | 18/9 | £4,476 | £448 | £373 |
| Band I | 21/9 | £5,222 | £522 | £435 |
How Swansea sets the Band D rate
Council Tax is a property tax administered by your billing authority. Swansea's published Band D figure for 2026/27 (£2,238) 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 H across the UK - top 20 authorities at Band H.
- LTT (Wales) - Land Transaction Tax on property purchase.
- Mortgage affordability - factor Council Tax into housing cost.
Frequently asked questions
- How is the Band H bill in Swansea calculated?
- The Band D rate published by Swansea for 2026/27 is £2,238 inclusive of every precept on the bill (billing authority, county or upper-tier in two-tier areas, police, fire, and parish where applicable). Band H is fixed at 18/9 of Band D under the Local Government Finance Act 1992, so the Band H annual bill is £2,238 multiplied by 2.000 which gives £4,476 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 H household in Swansea would pay £3,357 per year instead of £4,476. You have to apply to Swansea 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 Swansea to spread it over 12 instead. For Band H the 10-instalment figure is £448 a month and the 12-instalment figure is £373 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.