Inflation holds at 2.8% as cheaper food cancels out pricier travel

UK inflation was unchanged in May 2026. The Consumer Prices Index (CPI) rose by 2.8% over the year, the same rate as in April according to the Office for National Statistics (ONS).

Higher transport costs were offset by slower food inflation. Transport prices rose 6.8% over the year, the steepest annual rate since December 2022.

Air fares climbed 10.3% between April and May, a movement the ONS partly attributes to the timing of Easter, which fell early this year and left April fares unusually low.

Petrol reached 157.4 pence per litre on average, the highest since November 2022, and motor fuel prices overall were up 24.6% on the year.

Food and non-alcoholic drink inflation slowed to 2.2%, the lowest since December 2024, with falls across meat, dairy, vegetables and fish. Domestic heating oil also fell sharply over the month after rising in recent months.

ONS Chief Economist Grant Fitzner commented: "After last month's slowdown, inflation held steady in May as various price movements offset each other. The main upward movement came from transport with airfares, vehicle taxes and petrol prices all pushing up inflation.

“These were offset by lower food prices, with decreases in inflation seen across a range of meat, dairy and vegetable items compared to last month, as well as the cost of domestic heating oil, which fell back after climbing in recent months.

“The annual cost of raw materials continued to increase, led by rises in the cost of chemicals, while the increase in the costs of goods leaving factories slowed, partly due to a drop in the cost of domestically produced cars."

Core CPI, which excludes energy, food, alcohol and tobacco, edged up to 2.6%. Services inflation rose to 3.7%, while goods inflation slowed to 2.0%.

Persistent services inflation remains the Bank of England's main concern and could delay any cut to interest rates.

What this means for you

At 2.8%, inflation is still above the Bank of England's 2% target. Money held in cash that earns less than that rate is losing value in real terms.

Persistent services inflation also gives the Bank reason to hold rates higher for longer, which has a bearing on the cost of a new fixed-rate mortgage, the rate available on an annuity, and the relative appeal of cash against bonds.

The national figure may not reflect your own experience. If a large share of your spending goes on motoring, your personal rate is likely running well above 2.8%. If you spend more on food, you are potentially seeing some relief.

It is important to understand these figures in the wider context of your long-term financial plans. While they are important to be aware of, for the most part it should not change your approach. If you have any questions or concerns, don’t hesitate to get in touch.

Related articles

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Welby is a trading name of Welby Associates Wealth Management Ltd Company Registered Number NI630504 who is authorised and regulated by the Financial Conduct Authority, FCA register number 697372. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk

The House of Vic-Ryn, Moira Road,
Lisburn, Co.Antrim, BT28 2RF
+44 (0) 2892 622 910
info@welbyassociates.co.uk

Copyright Welby 2026 | Cookie Policy | Privacy Policy

Our use of cookies

Some cookies are necessary for us to manage how our website behaves while other optional, or non-necessary, cookies help us to analyse website usage. You can Accept All or Reject All optional cookies or control individual cookie types below.

You can read more in our Cookie Notice

Functional

These cookies enable core functionality such as security, network management, and accessibility. You may disable these by changing your browser settings, but this may affect how the website functions.

Analytics cookies

Analytical cookies help us to improve our website by collecting and reporting information on its usage.

Third-Party Cookies

These cookies are set by a website other than the website you are visiting usually as a result of some embedded content such as a video, a social media share or a like button or a contact map