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£3,597/year including water & sewerage
Annual (Band F)
£3,597
Monthly
£300
Single person (25% off)
£2,698
Weekly
£69
| Factor | Value |
|---|---|
| Band D reference rate (Highland) | £2,286/year |
| Band F ratio to Band D | 585/360 (162.5%) |
| Calculation | £2,286 × 162.5% = £3,597 |
| Scottish average Band F | £3,636/year |
| vs Scottish average | £39 below average |
Scottish average calculated from national average Band D of £2,310 × 585/360 (162.5%).
| Year | Band F annual | Change |
|---|---|---|
| 2022/23 | £2,875 | — |
| 2023/24 | £3,018 | +5.0% |
| 2024/25 | £3,214 | +6.5% |
| 2025/26 | £3,471 | +8.0% |
| 2026/27 ◀ current | £3,715 | +7.0% |
2026/27 is the confirmed rate. Prior years are estimates based on Scotland-wide average increases. Note: 2023/24 was a partial freeze year — most councils raised rates by 0% in exchange for a Scottish Government compensation grant, though some opted out and raised by up to 5%.
1991 valuation: £80,001–£106,000
Band F covers properties valued £80,001–£106,000 in 1991. In Highland for 2026/27, Band F costs £3,597/year (£300/month including water and sewerage). This is £39 below the Scottish average Band F rate of £3,636. Compared to Band D in Highland (£2,286/year), Band F households pay £1,311/year more. The 25% single person discount reduces Band F in Highland to £2,698/year.
% of median salary
12.6%
Weeks of median pay
6.6
Median local salary
£28,500
Band F council tax in Highland (£3,597/year) represents 12.6% of the median gross full-time salary for the area (£28,500/year). That is the equivalent of approximately 6.6 weeks of median gross earnings. The Scottish average Band F rate of £3,636/year represents 12.8% of the same local median.
Source: ONS Annual Survey of Hours and Earnings (ASHE). Median gross full-time earnings, approximate.
| Band | Property value (1991) | Annual | Monthly | With 25% discount |
|---|---|---|---|---|
| Band A | Up to £27,000 | £1,524 | £127 | £1,143 |
| Band B | £27,001–£35,000 | £1,778 | £148 | £1,334 |
| Band C | £35,001–£45,000 | £2,032 | £169 | £1,524 |
| Band D | £45,001–£58,000 | £2,286 | £191 | £1,715 |
| Band E | £58,001–£80,000 | £2,944 | £245 | £2,208 |
| Band F ◀ | £80,001–£106,000 | £3,597 | £300 | £2,698 |
| Band G | £106,001–£212,000 | £4,287 | £357 | £3,215 |
| Band H | Over £212,000 | £5,307 | £442 | £3,980 |
10 monthly instalments
Standard — April to January
£360/month
No payment in February or March
12 monthly instalments
On request from council
£300/month
Spreads the same total over all 12 months
Annual lump sum
Pay in full upfront
£3,597
Some councils offer a small discount
25% single person discount
Saves £899/year (reducing your bill to £2,698/year). Anyone living alone automatically qualifies. Adults who are full-time students, carers, or severely mentally impaired are disregarded when counting.
Apply for single person discount — Highland→Student exemption
Properties occupied entirely by full-time students are fully exempt — the Band F bill is £0. Mixed households (some students, some non-students) do not get the full exemption but students are disregarded for the single-person discount.
Council Tax Reduction (CTR)
A means-tested discount available to working-age and pension-age households on low incomes. CTR can reduce your Band F bill by up to 100% and is separate from the single person discount — you can receive both simultaneously.
Apply for CTR — Highland→Disabled person's band reduction
If someone in your household is severely disabled and needs extra space or a specific room (e.g. for a wheelchair), your property is assessed as one band lower. For Band F, this means paying Band E rates instead — saving £653/year.
Scotland note: Your Band F bill of £3,597 includes £652/year for Scottish Water charges — water and sewerage are bundled into council tax in Scotland, unlike England where they are separate bills.
Council tax Band F in Highland is £3,597 per year for 2026/27, including water and sewerage charges from Scottish Water. This works out to £300 per month or £69 per week. If you live alone, the 25% single person discount reduces this to £2,698 per year.
No. Highland's Band F rate of £3,597 is £39 below the Scottish average Band F rate of £3,636, making it one of the more affordable councils for Band F properties.
Band A is the cheapest council tax band in Highland, costing £1,524/year (£127/month) for 2026/27. Band H is the most expensive at £5,307/year. The full range in Highland spans £3,783/year between the cheapest and most expensive band. Band F costs £2,073/year more than Band A in Highland.
To challenge your council tax band in Highland, contact the local Assessor's office — not the council itself. The Scottish Assessors Association handles all banding queries. You can make a formal proposal if you think your property is in the wrong band, particularly if similar properties nearby are in a lower band, or if you have evidence the 1991 valuation was wrong. Be aware that a successful challenge could also result in your band being increased.
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Rates shown are for 2026/27 and include Scottish Water charges of £652/year. Verify your exact bill with Highland council directly. Property valuations are based on 1991 values as set when council tax was introduced.