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£2,338/year including water & sewerage
Annual (Band D)
£2,338
Monthly
£195
Single person (25% off)
£1,754
Weekly
£45
| Factor | Value |
|---|---|
| Band D reference rate (North Ayrshire) | £2,338/year |
| Band D ratio to Band D | 9/9 (100%) |
| Calculation | £2,338 × 100.0% = £2,338 |
| Scottish average Band D | £2,310/year |
| vs Scottish average | £28 above average |
Scottish average calculated from national average Band D of £2,310 × 9/9 (100%).
| Year | Band D annual | Change |
|---|---|---|
| 2022/23 | £1,784 | — |
| 2023/24 | £1,873 | +5.0% |
| 2024/25 | £1,995 | +6.5% |
| 2025/26 | £2,155 | +8.0% |
| 2026/27 ◀ current | £2,338 | +8.5% |
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: £45,001–£58,000
Band D covers properties valued £45,001–£58,000 (the reference band) in 1991. In North Ayrshire for 2026/27, Band D costs £2,338/year (£195/month including water and sewerage). This is £28 above the Scottish average Band D rate of £2,310. The 25% single person discount reduces Band D in North Ayrshire to £1,754/year.
% of median salary
8.5%
Weeks of median pay
4.4
Median local salary
£27,500
Band D council tax in North Ayrshire (£2,338/year) represents 8.5% of the median gross full-time salary for the area (£27,500/year). That is the equivalent of approximately 4.4 weeks of median gross earnings. The Scottish average Band D rate of £2,310/year represents 8.4% 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 | £1,559 | £130 | £1,169 |
| Band B | £27,001–£35,000 | £1,818 | £152 | £1,364 |
| Band C | £35,001–£45,000 | £2,078 | £173 | £1,559 |
| Band D ◀ | £45,001–£58,000 | £2,338 | £195 | £1,754 |
| Band E | £58,001–£80,000 | £3,012 | £251 | £2,259 |
| Band F | £80,001–£106,000 | £3,682 | £307 | £2,762 |
| Band G | £106,001–£212,000 | £4,388 | £366 | £3,291 |
| Band H | Over £212,000 | £5,435 | £453 | £4,076 |
10 monthly instalments
Standard — April to January
£234/month
No payment in February or March
12 monthly instalments
On request from council
£195/month
Spreads the same total over all 12 months
Annual lump sum
Pay in full upfront
£2,338
Some councils offer a small discount
25% single person discount
Saves £585/year (reducing your bill to £1,754/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 — North Ayrshire→Student exemption
Properties occupied entirely by full-time students are fully exempt — the Band D 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 D bill by up to 100% and is separate from the single person discount — you can receive both simultaneously.
Apply for CTR — North Ayrshire→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 D, this means paying Band C rates instead — saving £260/year.
Scotland note: Your Band D bill of £2,338 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 D in North Ayrshire is £2,338 per year for 2026/27, including water and sewerage charges from Scottish Water. This works out to £195 per month or £45 per week. If you live alone, the 25% single person discount reduces this to £1,754 per year.
Yes. North Ayrshire's Band D rate of £2,338 is £28 above the Scottish average Band D rate of £2,310. The Scottish average is calculated using the national average Band D rate of £2,310 multiplied by the Band D ratio of 100.0%.
Band A is the cheapest council tax band in North Ayrshire, costing £1,559/year (£130/month) for 2026/27. Band H is the most expensive at £5,435/year. The full range in North Ayrshire spans £3,876/year between the cheapest and most expensive band. Band D costs £779/year more than Band A in North Ayrshire.
To challenge your council tax band in North Ayrshire, 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 North Ayrshire council directly. Property valuations are based on 1991 values as set when council tax was introduced.