Single-adult households get a 25% discount. If you live only with people who are 'disregarded' (students, live-in carers, some people with severe mental impairment), the discount can be higher — sometimes 50% or the entire bill.
Every council also runs a Council Tax Reduction (or Support) scheme for people on low incomes. Rules vary, but savings and disability can significantly affect entitlement. Working-age applicants may need to make a fresh claim — it isn't always automatic with Universal Credit.
If you're in arrears, ask the council specifically about Section 13A discretionary relief. It's not widely advertised, but councils can and do write off or reduce bills in cases of genuine hardship.
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