16-05-2025
Lower your next Council Tax payment without claiming a discount
Council Tax bills have increased across the country but there is a fast way to lower the monthly payment.
Households across Scotland are paying higher monthly Council Tax bills this year after local authority-wide increases came into force last month. For people worried about the rising cost, a simple solution - that anyone paying their bill by Direct Debit can do - is to extend the scheduled payments from 10 months to 12.
Council Tax is typically paid between April and January, however, you can spread the costs, which will lower the monthly amount, but it will mean you are paying every month with no breaks.
To arrange the change in payments you will need to agree to pay your Council Tax by monthly Direct Debit, which can be done online on your local council's website where payment frequency options are given. If you are on a low income, or certain benefits, you can also or give them a call to find out if you are eligible for a Council Tax Reduction (CTR).
The latest figures from the Scottish Government show 458,470 recipients were eligible for Council Tax Reduction in December 2024, saving an average of over £850 a year. The data indicates that one-in-five households are being supported through the scheme, which is not available anywhere else in the UK.
Only people on a low income and resident in Scotland may be eligible for a Council Tax Reduction, which also provides successful claimants with up to 35 per cent off their water and waste charges.
While the Council Tax Reduction scheme mostly supports households on a lower income, help is also available for middle-earners or people finding it difficult to keep up with payments - especially those on a higher band.
To find out about getting help with your Council Tax, contact your local authority and explain your financial situation, they may be able to put your account on 'hold' and agree the next payment date, giving you a bit of breathing room to get back on track.
Details of other help available including extra financial support or for things like food, heating and electricity can be found on the Scottish Government's cost of living crisis support website here.
Below is a quick guide on how to check your Council Tax bill and a list of circumstances which could see you paying less each month.
Check if you could be exempt from paying Council Tax
You will not pay Council Tax if:
You are a full-time student
You are in the Armed Forces in Forces accommodation
You live in a care home or hospital
Your home is unoccupied and empty (up to six months) - for example, if you've gone into hospital
You have a severe mental impairment (e.g. dementia) - if you only live with someone who has dementia, then you'll be treated as a sole occupant as they will be disregarded, but you won't both be exempt
Contact your local authority about your eligibility and how you can apply for an exemption - a link to all 32 local authorities in Scotland is at the bottom of this page.
Could you be eligible for a discount on your Council Tax bill?
There are some circumstances where you may get a reduction on your Council Tax and the amount of discount varies depending on your circumstances.
If you live alone
The full Council Tax is calculated assuming there are two or more people living in each home – if you live alone, you should apply to your local council for a discount - you could get a 25 per cent reduction, regardless of your financial circumstances.
If you live with someone under 18 or a student
Council Tax is not calculated for anyone aged under 18, full-time students, student nurses and some apprentices or trainees.
If you are a carer
Carers who look after someone in the household for at least 35 hours per week and who meet additional criteria may be disregarded for Council Tax purposes, contact your local authority for their eligibility criteria.
Just be aware, this doesn't apply if the person receiving care is the partner of the carer, or is the carer's child aged under 18.
If there are major changes to the value of your home
You may be able to get your home moved to a lower band if it has decreased in value. For example, if you have made home adaptations for a disabled person, or if a motorway has been built nearby.
You may also get the band lowered if a room in the house is dedicated to equipment used by a disabled person on a daily basis.
If you change the way you pay
Although the total year's amount will stay the same, you can request your bill be split over 12 months instead of 10, so you can spread the cost and reduce your monthly outgoings.
Alternatively, if you can afford to pay the whole bill in one lump sum, check with your local council if you can get a discount.
Apply for Council Tax Reduction
You may be eligible to claim a Council Tax Reduction if you're on a low income or claiming certain benefits.
You can also claim Council Tax support regardless of whether you own your own home or rent, or whether you're working or unemployed.
Each local council is responsible for operating their own Council Tax support scheme, so the amount of support given across the country may vary.
The amount you will get depends on many factors, including:
Which benefits you receive
Your age
Your income
Your savings
Who you live with
How much council tax you pay
You may get more Council Tax support if you receive a disability or carers benefit.
If you receive the Guarantee Credit Part of Pension Credit you may even get your Council Tax paid in full. If you don't have it, but are on a low income and have less than £16,000 in savings, you may still get some help.
Local councils
Contact your local council from the list below to apply for a Council Tax Reduction or discount.
Inverclyde
Renfrewshire
West Dunbartonshire
East Dunbartonshire
Glasgow
East Renfrewshire
North Lanarkshire
Falkirk
West Lothian
Edinburgh
Midlothian
East Lothian
Clackmannanshire
Fife
Dundee
Angus
Aberdeenshire
Aberdeen
Moray
Highland
Na h-Eileanan Siar
Argyll and Bute
Perth and Kinross
Stirling
North Ayrshire
East Ayrshire
South Ayrshire
Dumfries and Galloway
South Lanarkshire
Scottish Borders
Orkney
Shetland
