CF10 vs SA1 Council Tax Comparison
Evaluate annual Band A through H council tax variations, single person discount savings, and authority precept differences between any two UK postcode districts.
Moving from SA1 to CF10 saves £82.60 / year on Band D
Cardiff (Cardiff Council) is ranked #2 in Wales, while Swansea (City and County of Swansea Council) is ranked #1 in Wales.
Band-by-Band Annual Difference: CF10 vs SA1
Exact cost variance per property band when moving between Cardiff (CF10) and Swansea (SA1).
| Band | CF10 Annual (£) | SA1 Annual (£) | Annual Difference | Single Person Diff |
|---|---|---|---|---|
| Band A | £1310.53 | £1365.60 | -CF10 £55.07/yr | -£41.30/yr |
| Band B | £1528.96 | £1593.20 | -CF10 £64.24/yr | -£48.18/yr |
| Band C | £1747.38 | £1820.80 | -CF10 £73.42/yr | -£55.06/yr |
| Band D | £1965.80 | £2048.40 | -CF10 £82.60/yr | -£61.95/yr |
| Band E | £2402.64 | £2503.60 | -CF10 £100.96/yr | -£75.72/yr |
| Band F | £2839.49 | £2958.80 | -CF10 £119.31/yr | -£89.48/yr |
| Band G | £3276.33 | £3414.00 | -CF10 £137.67/yr | -£103.25/yr |
| Band H | £3931.60 | £4096.80 | -CF10 £165.20/yr | -£123.90/yr |
Precept Authority Structure (Band D)
Where your council tax payment is allocated in each local authority.
Unitary Authority (Wales): Levied across Cardiff Council, Adult Social Care, Police, Fire, and parish precepts where applicable.
Exact itemised splits are published on Cardiff Council's official 2026/27 council tax demand notice.
Unitary Authority (Wales): Levied across City and County of Swansea Council, Adult Social Care, Police, Fire, and parish precepts where applicable.
Exact itemised splits are published on City and County of Swansea Council's official 2026/27 council tax demand notice.
Financial Differential: CF10 vs SA1
Residents in CF10 (Cardiff) pay £82.60 less per year for Band D properties than households in SA1 (Swansea).
Over standard 10 monthly direct debit instalments (April to January), this represents a difference of £8.26 per instalment for an average Band D dwelling.
Council tax rates are established annually by local authorities to fund frontline services, including adult social care, children’s services, highways, waste collection, and police and fire authorities. In Cardiff (CF10), the 2026/27 Band D rate is set at £1965.80 (ranking #2 of 22 in Wales), while in Swansea (SA1), the rate is £2048.40 (ranking #1 of 22 in Wales).
Year-on-year, Cardiff adjusted its Council Tax requirement by +4.51% (£84.83 on Band D), compared to a change of +4.83% (£94.38) in Swansea.
Housing Stock & 1991 VOA Banding Profile
- Dominant Property Band:Band Band B (Modelled median)
- Typical Outcode Bill:£1528.96 (Modelled estimate)
- Valuation Base Date:1 April 2003
- Billing Authority:Cardiff
- Dominant Property Band:Band Band B (Modelled median)
- Typical Outcode Bill:£1593.20 (Modelled estimate)
- Valuation Base Date:1 April 2003
- Billing Authority:Swansea
Check If You Are Overpaying Council Tax in Cardiff
Up to 400,000 UK homes are estimated to be in the wrong Council Tax band due to rushed 1991 second-gear valuations. Find out if your property qualifies for a formal band reduction challenge, backdated refunds, or single-person relief.