State IntegrityReceipts, not verdicts

Luton: spending, reserves and debt

Luton is a unitary authority in the East of England with about 236,380 residents (ONS, mid-2025).

Key figures

Net spending on services, 2025-26
£516.1 million
£2,183 per resident · MHCLG revenue outturn
Reserves, 31 March 2026
£116.3 million
unallocated and earmarked · MHCLG revenue outturn
Borrowing, 31 March 2026
£796.6 million
outstanding · £3,370 per resident · MHCLG
Investments, 31 March 2026
£607.2 million
outstanding · MHCLG
Band D, 2026-27
£2,439.93
area average, all precepts · MHCLG
Population, mid-2025
236,380

What the figures show

Outstanding borrowing was £796.6 million at 31 March 2026, from the MHCLG borrowing and investment table, against investments of £607.2 million. Borrowing is 4.7 times its level at 31 March 2010 (£171.3 million). The latest quarter, to 30 June 2026, shows £819.1 million.

That is £3,370 for each resident, dividing the borrowing figure by the ONS mid-2025 population estimate (236,380), the 2nd highest of the 6 unitary, metropolitan and London borough councils in the East of England with money pages here.

Luton spent £516.1 million on services in 2025-26, MHCLG reports. The largest item was education at £234.9 million, followed by adult social care at £91.2 million.

That is up 8.7% on 2024-25 and up 48% on 2017-18, in cash terms (not adjusted for inflation).

At 31 March 2026 the council held £116.3 million in unallocated and earmarked reserves (£17.2 million unallocated, £99.0 million earmarked for set purposes), excluding schools and public health reserves. Over the year to 31 March 2026 reserves rose by £11.9 million. It is the highest year-end figure since the series began in 2018.

For 2026-27, the average Band D bill in the area is £2,439.93, +5.1% on 2025-26 and 4.8 times the £511.88 of 1993-94. On the statutory proportions that means £1,626.62 in Band A and £4,879.86 in Band H.

GOV.UK lists Luton among councils given Exceptional Financial Support in 2020-21 and 2021-22; the amounts as published are in the table below.

Luton spending by service, 2025-26

ServiceNet spending, 2025-26Share of services that cost moneyPer resident
Education£234.9 million45.5%£993.87
Adult social care£91.2 million17.7%£385.84
Children's social care£79.2 million15.3%£335.00
Environment and regulation (including waste)£24.4 million4.7%£103.19
Housing (not council housing)£21.7 million4.2%£91.86
Public health£20.0 million3.9%£84.66
Central services£16.1 million3.1%£67.94
Highways and transport£15.2 million2.9%£64.33
Culture and leisure£7.8 million1.5%£32.94
Planning and development£5.6 million1.1%£23.57
Total£516.1 million£2,183.21
£516.1 million£0 2017-182025-26
Luton net spending, 2017-18 to 2025-26.
£116.3 million£0 Mar 2018Mar 2026
Luton reserves, 31 March 2018 to 31 March 2026.
£796.6 million£0 Mar 2010Mar 2026
Luton borrowing, 31 March 2010 to 31 March 2026.
£2,440£0 1993-942026-27
Luton Band D, 1993-94 to 2026-27.

History

Luton: net spending by year
YearNet spending
2017-18£349.0 million
2018-19£359.5 million
2019-20£366.5 million
2020-21£382.2 million
2021-22£393.6 million
2022-23£408.8 million
2023-24£433.8 million
2024-25£474.8 million
2025-26£516.1 million
Luton: reserves at 31 March
DateReserves
31 March 2018£59.9 million
31 March 2019£69.3 million
31 March 2020£77.1 million
31 March 2021£103.5 million
31 March 2022£115.9 million
31 March 2023£107.3 million
31 March 2024£109.4 million
31 March 2025£104.4 million
31 March 2026£116.3 million
Luton: borrowing and investments
DateBorrowingInvestments
31 March 2010£171.3 million£75.0 million
31 March 2011£213.8 million£162.5 million
31 March 2012£293.2 million£146.0 million
31 March 2013£293.2 million£150.3 million
31 March 2014£293.2 million£178.1 million
31 March 2015£295.4 million£176.4 million
31 March 2016£270.7 million£135.3 million
31 March 2017£270.7 million£133.9 million
31 March 2018£274.8 million£126.6 million
31 March 2019£388.3 million£204.9 million
31 March 2020£500.3 million£344.2 million
31 March 2021£582.3 million£463.2 million
31 March 2022£677.2 million£527.7 million
31 March 2023£750.2 million£628.8 million
31 March 2024£722.2 million£595.6 million
31 March 2025£760.9 million£609.6 million
31 March 2026£796.6 million£607.2 million
Luton: Band D by year
YearArea Band DCouncil's own Band D
1993-94£511.88not published
1994-95£668.25not published
1995-96£610.88not published
1996-97£650.64not published
1997-98£602.27£549.76
1998-99£653.98£598.14
1999-00£706.81£645.45
2000-01£760.81£693.83
2001-02£805.14£734.88
2002-03£921.96£843.27
2003-04£989.87£896.43
2004-05£1,073.35£896.43
2005-06£1,121.54£940.71
2006-07£1,176.91£987.18
2007-08£1,233.91£1,034.88
2008-09£1,293.29£1,079.17
2009-10£1,344.31£1,122.12
2010-11£1,371.10£1,143.89
2011-12£1,371.10£1,143.89
2012-13£1,417.82£1,183.24
2013-14£1,446.16£1,206.90
2014-15£1,469.03£1,225.00
2015-16£1,492.27£1,243.38
2016-17£1,546.34£1,292.49
2017-18£1,614.88£1,355.98
2018-19£1,708.98£1,435.30
2019-20£1,778.76£1,478.22
2020-21£1,849.70£1,537.20
2021-22£1,943.41£1,613.91
2022-23£2,003.71£1,662.17
2023-24£2,106.64£1,745.10
2024-25£2,210.00£1,832.19
2025-26£2,320.43£1,923.62
2026-27£2,439.93£2,019.62

Luton figures as CSV · What each figure measures

Luton council tax bands, 2026-27

Worked out from Band D (£2,439.93) at the proportions in section 5 of the Local Government Finance Act 1992; area averages.

BandAnnual amount
Band A£1,626.62
Band B£1,897.72
Band C£2,168.83
Band D£2,439.93
Band E£2,982.14
Band F£3,524.34
Band G£4,066.55
Band H£4,879.86

Section 114 notices and Exceptional Financial Support

GOV.UK publishes a page for each year listing the councils given Exceptional Financial Support (permission to use capital money or borrowing to meet day-to-day costs). Luton appears in these years, with the wording as published:

YearAs published on GOV.UK
2020-21£35.0m
2021-22Council provided with in-principle support but withdrew its request

Who has power over Luton

Every body that makes decisions for Luton, from the street up to the G20. Each one links to its page on the official record. How the ten levels work.

  1. Level 1: Neighbourhood and community power

    Residents' and tenants' groups, neighbourhood forums and local policing panels.

  2. Level 2: Parish, town and community councils

    Parish, town and community councils, where the area has them, sit below the council.

  3. Level 3: Local councils

  4. Level 5: Devolved and state governments

    England has no devolved parliament of its own: its laws are made by the UK Parliament.

  5. Level 6: National government

  6. Level 7: Regional blocs and supranational bodies

  7. Level 8: The UN and global treaty bodies

  8. 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.
  9. Level 10: G7, G20, Davos and global forums

    • G7 The UK is one of the seven members.
    • G20 The UK is a G20 member.

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 Luton

Figures checked 15 October 2026. Link moved or figure out of date? Tell us.