Cheshire West and Chester: spending, reserves and debt
Cheshire West and Chester is a unitary authority in the North West with about 373,951 residents (ONS, mid-2025).
Key figures
What the figures show
Cheshire West and Chester spent £813.6 million on services in 2025-26, MHCLG reports. The largest item was education at £340.3 million, followed by adult social care at £195.4 million.
In cash terms the total was 3.9% higher than in 2024-25, and 75% higher than the £464.4 million of 2017-18.
At 31 March 2026 the council held £68.5 million in unallocated and earmarked reserves (£24.1 million unallocated, £44.4 million earmarked for set purposes), excluding schools and public health reserves. Over the year to 31 March 2026 reserves fell by £8.3 million. It is the lowest year-end figure since the series began in 2018.
Outstanding borrowing was £234.3 million at 31 March 2026, from the MHCLG borrowing and investment table, against investments of £85.1 million. At 31 March 2010 it was £160.0 million. The latest quarter, to 30 June 2026, shows £232.8 million.
That is £627 for each resident, dividing the borrowing figure by the ONS mid-2025 population estimate (373,951), the 3rd lowest of the 23 unitary, metropolitan and London borough councils in the North West with money pages here.
For 2026-27, the average Band D bill in the area is £2,517.33, +5.2% on 2025-26 and 1.7 times the £1,448.23 of 2009-10. On the statutory proportions that means £1,678.22 in Band A and £5,034.66 in Band H.
Cheshire West and Chester spending by service, 2025-26
| Service | Net spending, 2025-26 | Share of services that cost money | Per resident |
|---|---|---|---|
| Education | £340.3 million | 41.8% | £909.96 |
| Adult social care | £195.4 million | 24.0% | £522.56 |
| Children's social care | £96.3 million | 11.8% | £257.42 |
| Planning and development | £73.2 million | 9.0% | £195.86 |
| Environment and regulation (including waste) | £35.3 million | 4.3% | £94.37 |
| Public health | £21.4 million | 2.6% | £57.15 |
| Highways and transport | £16.3 million | 2.0% | £43.71 |
| Central services | £13.3 million | 1.6% | £35.52 |
| Culture and leisure | £13.1 million | 1.6% | £35.12 |
| Housing (not council housing) | £9.0 million | 1.1% | £24.12 |
| Total | £813.6 million | £2,175.79 |
History
Cheshire West and Chester: net spending by year
| Year | Net spending |
|---|---|
| 2017-18 | £464.4 million |
| 2018-19 | £482.2 million |
| 2019-20 | £496.7 million |
| 2020-21 | £586.0 million |
| 2021-22 | £615.1 million |
| 2022-23 | £647.8 million |
| 2023-24 | £720.8 million |
| 2024-25 | £783.3 million |
| 2025-26 | £813.6 million |
Cheshire West and Chester: reserves at 31 March
| Date | Reserves |
|---|---|
| 31 March 2018 | £103.4 million |
| 31 March 2019 | £122.4 million |
| 31 March 2020 | £149.2 million |
| 31 March 2021 | £213.3 million |
| 31 March 2022 | £171.2 million |
| 31 March 2023 | £128.5 million |
| 31 March 2024 | £102.9 million |
| 31 March 2025 | £76.7 million |
| 31 March 2026 | £68.5 million |
Cheshire West and Chester: borrowing and investments
| Date | Borrowing | Investments |
|---|---|---|
| 31 March 2010 | £160.0 million | £58.2 million |
| 31 March 2011 | £141.0 million | £70.9 million |
| 31 March 2012 | £245.0 million | £59.8 million |
| 31 March 2013 | £230.2 million | £21.4 million |
| 31 March 2014 | £317.8 million | £128.1 million |
| 31 March 2015 | £307.7 million | £97.0 million |
| 31 March 2016 | £301.2 million | £74.2 million |
| 31 March 2017 | £297.0 million | £53.4 million |
| 31 March 2018 | £290.8 million | £54.6 million |
| 31 March 2019 | £283.6 million | £59.8 million |
| 31 March 2020 | £274.3 million | £78.3 million |
| 31 March 2021 | £284.9 million | £150.8 million |
| 31 March 2022 | £267.2 million | £158.8 million |
| 31 March 2023 | £255.1 million | £116.3 million |
| 31 March 2024 | £250.3 million | £102.0 million |
| 31 March 2025 | £229.7 million | £100.9 million |
| 31 March 2026 | £234.3 million | £85.1 million |
Cheshire West and Chester: Band D by year
| Year | Area Band D | Council's own Band D |
|---|---|---|
| 2009-10 | £1,448.23 | £1,224.04 |
| 2010-11 | £1,485.81 | £1,254.59 |
| 2011-12 | £1,485.90 | £1,254.59 |
| 2012-13 | £1,489.66 | £1,251.45 |
| 2013-14 | £1,518.33 | £1,275.23 |
| 2014-15 | £1,519.91 | £1,275.23 |
| 2015-16 | £1,525.07 | £1,275.23 |
| 2016-17 | £1,583.78 | £1,326.11 |
| 2017-18 | £1,644.71 | £1,379.02 |
| 2018-19 | £1,729.22 | £1,447.83 |
| 2019-20 | £1,829.19 | £1,520.08 |
| 2020-21 | £1,902.42 | £1,580.73 |
| 2021-22 | £1,998.41 | £1,659.61 |
| 2022-23 | £2,061.04 | £1,709.23 |
| 2023-24 | £2,169.45 | £1,794.52 |
| 2024-25 | £2,277.08 | £1,884.07 |
| 2025-26 | £2,392.03 | £1,978.09 |
| 2026-27 | £2,517.33 | £2,076.79 |
Cheshire West and Chester figures as CSV · What each figure measures
Cheshire West and Chester council tax bands, 2026-27
Worked out from Band D (£2,517.33) at the proportions in section 5 of the Local Government Finance Act 1992; area averages.
| Band | Annual amount |
|---|---|
| Band A | £1,678.22 |
| Band B | £1,957.92 |
| Band C | £2,237.63 |
| Band D | £2,517.33 |
| Band E | £3,076.74 |
| Band F | £3,636.14 |
| Band G | £4,195.55 |
| Band H | £5,034.66 |
Who has power over Cheshire West and Chester
Every body that makes decisions for Cheshire West and Chester, from the street up to the G20. Each one links to its page on the official record. How the ten levels work.
Level 1: Neighbourhood and community power
Residents' and tenants' groups, neighbourhood forums and local policing panels.
Level 2: Parish, town and community councils
Parish, town and community councils, where the area has them, sit below the council.
Level 3: Local councils
- Cheshire West and Chester council this page
- Cheshire West and Chester in official figures population, pay, house prices, crime
Level 5: Devolved and state governments
England has no devolved parliament of its own: its laws are made by the UK Parliament.
Level 6: National government
- Chester North and Neston: Samantha Dixon (Labour) MP
- Chester South and Eddisbury: Aphra Brandreth (Conservative) MP
- Ellesmere Port and Bromborough: Justin Madders (Labour) MP
- Mid Cheshire: Andrew Cooper (Labour) MP
- Runcorn and Helsby: Sarah Pochin (Reform UK) MP
- Tatton: Esther McVey (Conservative) MP
- All 650 MPs votes, interests and costs
- UK government and Parliament official figures and sources
Level 7: Regional blocs and supranational bodies
- Council of Europe and the European Court of Human Rights (CoE / ECtHR) The UK Government says the United Kingdom was one of the Council of Europe's founding members.
Level 8: The UN and global treaty bodies
- United Nations (General Assembly and Security Council) The UN lists the United Kingdom as a member admitted on 24 October 1945.
- United Nations Security Council (UNSC) The UK is one of the five permanent members of the Security Council and holds the veto, according to the UN.
- NATO NATO lists the United Kingdom among its 12 founding members, which signed the North Atlantic Treaty in Washington, D.C.
- World Health Organization (WHO) WHO's list of member states includes the United Kingdom of Great Britain and Northern Ireland.
- World Trade Organization (WTO) The WTO says the United Kingdom has been a WTO member since 1 January 1995 and a member of GATT since 1 January 1948.
- Commonwealth of Nations The UK is one of the 56 members, one of three European members with Cyprus and Malta, and the Commonwealth Secretariat is headquartered at Marlborough House in London.
Level 9: The IMF, World Bank and global finance
- International Monetary Fund (IMF) The UK has been a member since 27 December 1945 and has a quota of SDR 20,155.1 million (IMF country page for the United Kingdom).
- World Bank Group (WBG) The UK holds 3.75% of voting power in the IBRD (data as of 30 June 2026) and 6.92% in IDA (as of 30 June 2026), according to the World Bank's voting tables.
Level 10: G7, G20, Davos and global forums
Sources
MHCLG revenue outturn · MHCLG borrowing and investment table · MHCLG Band D table · ONS population, mid-2025. Read 15 October 2026; file fingerprints (SHA-256) are listed on the council money page.
More on Cheshire West and Chester
- Cheshire West and Chester: local statistics
- How much has council tax gone up this year?
- How much debt are councils in?
Figures checked 15 October 2026. Link moved or figure out of date? Tell us.