UK HCI 12-month rate: all households
UK HCI 12-month rate: all households stood at 2.8% in Jun 2026, according to Office for National Statistics (ONS). It is one of the indicators in the Consumer price inflation table (Value · Monthly), with a complete series running from Jan 2006 to Jun 2026. The complete series with an interactive chart, free to download.
This indicator in the Consumer price inflation table
| Indicator | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | 10-2025 | 09-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| All-items 12-month rate by household group | |||||||||||
| All households | 2.8 | 3 | 3 | 3.6 | 3.2 | 3.3 | 3.6 | 3.5 | 3.8 | 4 | |
| Income decile 1 | 2.7 | 2.9 | 3 | 3.7 | 3.3 | 3.3 | 3.7 | 3.6 | 3.8 | 4.2 |
Understanding UK HCI 12-month rate: all households
Quantifying the twelve-month percentage change in the Household Costs Indices for the entire population across the United Kingdom, this rate reflects annual price shifts across all demographic groups combined. The calculation incorporates housing costs such as mortgage interest payments and council tax alongside standard consumer goods and services, providing a broad gauge of out-of-pocket inflation. Excluded are intermediate business costs and capital investments that do not directly touch household expenditure.
Analysing this twelve-month rate avoids the base effects and short-term noise that obscure month-on-month comparisons in household budgets. Revisions to the underlying index levels flow through to this annual rate whenever new expenditure weights are introduced or seasonal adjustments are refined. Users should avoid equating this metric with traditional consumer price indices, as the inclusion of mortgage interest creates distinct cyclical divergences during periods of shifting monetary policy.
Frequently asked questions
- What does the twelve-month rate measure?
- The percentage change in household costs compared to the same month of the previous year across the United Kingdom.
- Does this rate include mortgage payments?
- Yes, mortgage interest payments are part of the all-households Household Costs Indices framework.
- Why is the annual rate preferred over monthly changes?
- It smooths out short-term price volatility and seasonal spending patterns.