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£5,435/year including water & sewerage
Annual (Band H)
£5,435
Monthly
£453
Single person (25% off)
£4,076
Weekly
£105
| Factor | Value |
|---|---|
| Band D reference rate (North Ayrshire) | £2,338/year |
| Band H ratio to Band D | 882/360 (245.0%) |
| Calculation | £2,338 × 245.0% = £5,435 |
| Scottish average Band H | £5,366/year |
| vs Scottish average | £69 above average |
Scottish average calculated from national average Band D of £2,310 × 882/360 (245.0%).
| Year | Band H annual | Change |
|---|---|---|
| 2022/23 | £4,371 | — |
| 2023/24 | £4,589 | +5.0% |
| 2024/25 | £4,888 | +6.5% |
| 2025/26 | £5,280 | +8.0% |
| 2026/27 ◀ current | £5,728 | +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: Over £212,000
Band H covers properties valued over £212,000 in 1991. In North Ayrshire for 2026/27, Band H costs £5,435/year (£453/month including water and sewerage). This is £69 above the Scottish average Band H rate of £5,366. Compared to Band D in North Ayrshire (£2,338/year), Band H households pay £3,097/year more. The 25% single person discount reduces Band H in North Ayrshire to £4,076/year.
% of median salary
19.8%
Weeks of median pay
10.3
Median local salary
£27,500
Band H council tax in North Ayrshire (£5,435/year) represents 19.8% of the median gross full-time salary for the area (£27,500/year). That is the equivalent of approximately 10.3 weeks of median gross earnings. The Scottish average Band H rate of £5,366/year represents 19.5% 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
£544/month
No payment in February or March
12 monthly instalments
On request from council
£453/month
Spreads the same total over all 12 months
Annual lump sum
Pay in full upfront
£5,435
Some councils offer a small discount
25% single person discount
Saves £1,359/year (reducing your bill to £4,076/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 H 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 H 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 H, this means paying Band G rates instead — saving £1,047/year.
Scotland note: Your Band H bill of £5,435 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 H in North Ayrshire is £5,435 per year for 2026/27, including water and sewerage charges from Scottish Water. This works out to £453 per month or £105 per week. If you live alone, the 25% single person discount reduces this to £4,076 per year.
Yes. North Ayrshire's Band H rate of £5,435 is £69 above the Scottish average Band H rate of £5,366. The Scottish average is calculated using the national average Band D rate of £2,310 multiplied by the Band H ratio of 245.0%.
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 H costs £3,876/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.