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Are you in the wrong council tax band?

Bands were set in 1991, in a rush, sometimes by valuers driving past your front door. They've never been re-checked. About 400,000 UK homes are stuck in the wrong band, quietly overpaying. Tap your numbers in below — you'll know in 30 seconds.

Used to back-calculate what your home was worth in 1991.
Rough is fine — Zoopla / Rightmove gives you a number in 5 seconds.
Find it on your last council tax bill, or at gov.uk/council-tax-bands.
Most people pay monthly via direct debit. Councils default to 10 instalments (Apr-Jan), so monthly × 10 = annual.
Refunds can go back to when you moved in (or 1993, whichever's later).
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Want the playbook for actually challenging it?

What to send the VOA, the evidence that wins, what your council can't legally pull. Free, by email. No "consultation calls".

How the maths works

Bands were set on 1 April 1991. Whatever your house was worth that day, that's your band — forever, unless someone challenges it. Some valuations were done from a moving car. Two identical houses on the same street can sit in different bands.

Here's the trick: take your home's current value, divide it by how much prices have risen in your region since 1991, and you get a rough 1991 number. If that lands in a lower band than the one you sit in now, you've probably been overpaying.

This is a signal, not a verdict. If the maths flags an overpayment, your next 30 seconds: check your neighbours' bands on gov.uk. Same-size house on the same street in a lower band = strong evidence for the VOA.