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Ceredigion council debt
Unitary authority, Wales. Latest figures: Jun 2026.
Total debt
£124m
£124,026,000
Debt per person
£1,706
72,696 residents
Net debt
£71.5m
after £52.5m of investments
Change in a year
−1.5%
−£1.8m since Mar 2025
Debt to budget
0.6×
times net current spending, 2025-26
Local economy
£27,883
GDP per person; debt is 6.1% of the area's £2.03bn GDP
Debt cost
£94
per person: £6.9m of interest and repayment in 2025-26 (£5.4m interest)
Ceredigion has the 108th highest debt per person of 197 single-tier councils in the UK (Jun 2026).
Ceredigion debt over time
Outstanding borrowing at each date, Mar 2010 to Jun 2026.
What Ceredigion spent capital money on
Councils borrow to pay for capital spending: buildings, roads, housing, loans to their own companies, commercial property. Capital spending by service in each financial year, and how much of it was paid for by new borrowing, 2009-10 to 2025-26.
Planning, regeneration and other local servicesSchools and educationRoads and transportAgriculture and fisheriesHousingEnvironment and wasteCulture, leisure and sportSocial care
| Year | Capital spending | Borrowed | Biggest items |
|---|---|---|---|
| 2025-26 | £36.6m | £12.2m | Planning, regeneration and other local services £18.7m, Roads and transport £8.5m, Agriculture and fisheries £8.2m |
| 2024-25 | £64.3m | £26.0m | Planning, regeneration and other local services £38.0m, Agriculture and fisheries £25.2m, Schools and education £10.7m |
| 2023-24 | £34.6m | £8.0m | Planning, regeneration and other local services £12.8m, Schools and education £11.7m, Agriculture and fisheries £5.8m |
| 2022-23 | £25.9m | £2.2m | Schools and education £9.9m, Roads and transport £6.1m, Planning, regeneration and other local services £5.6m |
| 2021-22 | £17.8m | £745k | Schools and education £6.5m, Roads and transport £4.8m, Planning, regeneration and other local services £2.7m |
| 2020-21 | £14.6m | £347k | Roads and transport £5.2m, Schools and education £3.7m, Planning, regeneration and other local services £3.6m |
| 2019-20 | £14.5m | £2.3m | Planning, regeneration and other local services £5.4m, Environment and waste £4.1m, Roads and transport £3.7m |
| 2018-19 | £15.3m | £4.1m | Schools and education £4.9m, Roads and transport £4.6m, Housing £2.3m |
| 2017-18 | £10.1m | £2.8m | Schools and education £3.3m, Roads and transport £2.6m, Housing £1.9m |
| 2016-17 | £17.5m | £7.0m | Schools and education £9.1m, Roads and transport £2.8m, Housing £2.6m |
| 2015-16 | £32.5m | £13.1m | Schools and education £18.5m, Housing £4.0m, Roads and transport £3.8m |
| 2014-15 | £25.4m | £3.8m | Schools and education £7.9m, Planning, regeneration and other local services £7.5m, Roads and transport £4.2m |
| 2013-14 | £16.8m | £5.7m | Roads and transport £5.0m, Schools and education £3.7m, Planning, regeneration and other local services £2.9m |
| 2012-13 | £20.4m | £7.4m | Roads and transport £5.6m, Schools and education £5.3m, Planning, regeneration and other local services £3.7m |
| 2011-12 | £26.4m | £5.2m | Planning, regeneration and other local services £10.9m, Agriculture and fisheries £6.7m, Roads and transport £6.3m |
| 2010-11 | £22.8m | £5.3m | Planning, regeneration and other local services £10.0m, Agriculture and fisheries £6.7m, Roads and transport £4.6m |
| 2009-10 | £30.4m | £5.3m | Roads and transport £9.1m, Planning, regeneration and other local services £6.9m, Schools and education £5.0m |
"Borrowed" is new borrowing and credit used to finance that year's spending; it can exceed the spending when a council borrows to cover earlier costs or, with government permission, day-to-day losses. Source: MHCLG capital outturn (England, from 2018-19); StatsWales capital outturn (Wales). Not yet available for Scotland and Northern Ireland.
Who Ceredigion borrows from
| Lender | Amount | Share |
|---|---|---|
| Public Works Loan Board (PWLB)the government's lending facility for councils, run by the UK Debt Management Office; most council borrowing comes from it | £94.6m | 76% |
| Pension funds, insurers and other financial institutionslenders that are financial institutions but not banks: pension funds, insurance companies, investment funds, the Municipal Bonds Agency | £23.7m | 19% |
| Banksloans from UK banks, including LOBO loans (lender option, borrower option) | £5.8m | 5% |
Outstanding loans by type of lender as reported by the council to MHCLG, short and long term together, as at Jun 2026. The return groups lenders by sector, not by name.
Ceredigion debt by year
| Date | Debt | Investments | Net debt | Per person | Population | Debt cost |
|---|---|---|---|---|---|---|
| Jun 2026 | £124m | £52.5m | £71.5m | £1,706 | 72,696 | £6.9m |
| Mar 2026 | £124m | £40.4m | £83.6m | £1,706 | 72,696 | £6.9m |
| Dec 2025 | £125m | £36.7m | £88.2m | £1,719 | 72,696 | £6.4m |
| Sep 2025 | £125m | £43.6m | £81.4m | £1,719 | 72,696 | £6.4m |
| Jun 2025 | £126m | £44.2m | £81.6m | £1,731 | 72,726 | £6.4m |
| Mar 2025 | £126m | £27.4m | £98.5m | £1,731 | 72,726 | £6.4m |
| Dec 2024 | £130m | £38.3m | £91.8m | £1,789 | 72,726 | £5.8m |
| Sep 2024 | £117m | £36.3m | £80.8m | £1,611 | 72,726 | £5.8m |
| Jun 2024 | £106m | £40.8m | £65.0m | £1,454 | 72,731 | £5.8m |
| Mar 2024 | £106m | £37.2m | £69.1m | £1,461 | 72,731 | £5.8m |
| Dec 2023 | £106m | £43.5m | £62.8m | £1,462 | 72,731 | £6.4m |
| Sep 2023 | £107m | £51.9m | £54.9m | £1,469 | 72,731 | £6.4m |
| Jun 2023 | £107m | £41.1m | £65.9m | £1,483 | 72,111 | £6.4m |
| Mar 2023 | £107m | £38.7m | £68.3m | £1,483 | 72,111 | £6.4m |
| Dec 2022 | £107m | £44.1m | £63.4m | £1,491 | 72,111 | £6.4m |
| Sep 2022 | £107m | £42.2m | £65.2m | £1,491 | 72,111 | £6.4m |
| Jun 2022 | £115m | £53.9m | £60.8m | £1,623 | 70,676 | £6.4m |
| Mar 2022 | £115m | £55.5m | £59.3m | £1,624 | 70,676 | £6.4m |
| Dec 2021 | £115m | £46.0m | £69.3m | £1,631 | 70,676 | £8.0m |
| Sep 2021 | £115m | £39.5m | £75.8m | £1,631 | 70,676 | £8.0m |
| Jun 2021 | £116m | £39.1m | £76.8m | £1,622 | 71,421 | £8.0m |
| Mar 2021 | £116m | £29.2m | £86.6m | £1,622 | 71,421 | £8.0m |
| Dec 2020 | £116m | £32.6m | £83.8m | £1,629 | 71,421 | £8.5m |
| Sep 2020 | £116m | £26.2m | £90.2m | £1,629 | 71,421 | £8.5m |
| Jun 2020 | £120m | £35.9m | £84.1m | £1,699 | 70,639 | £8.5m |
| Mar 2020 | £122m | £22.5m | £99.5m | £1,727 | 70,639 | £8.5m |
| Mar 2019 | £120m | £20.4m | £99.3m | £1,678 | 71,291 | £8.4m |
| Mar 2018 | £115m | £18.1m | £96.7m | £1,590 | 72,220 | £7.3m |
| Mar 2017 | £113m | £10.8m | £103m | £1,555 | 72,900 | £7.7m |
| Mar 2016 | £114m | £21.0m | £93.3m | £1,550 | 73,724 | £7.5m |
| Mar 2015 | £113m | £31.8m | £80.7m | £1,497 | 75,197 | £8.8m |
| Mar 2014 | £94.2m | £10.6m | £83.6m | £1,238 | 76,087 | £8.3m |
| Mar 2013 | £86.1m | £5.3m | £80.8m | £1,130 | 76,215 | £8.0m |
| Mar 2012 | £84.1m | £11.9m | £72.2m | £1,117 | 75,293 | £8.3m |
| Mar 2011 | £88.5m | £17.7m | £70.8m | £1,177 | 75,217 | £8.5m |
| Mar 2010 | £92.9m | £14.2m | £78.7m | £1,245 | 74,642 | £9.5m |
Similar councils
| Council | Debt | Per person |
|---|---|---|
| Redbridge | £566m | £1,759 |
| Anglesey | £120m | £1,754 |
| Argyll & Bute | £152m | £1,742 |
| Ceredigion | £124m | £1,706 |
| Pembrokeshire | £215m | £1,705 |
| Trafford | £402m | £1,670 |
| Harrow | £455m | £1,670 |
Single-tier councils closest in debt per person, Jun 2026.