Overview of Oklahoma Taxes
Property taxes in Oklahoma are relatively low, as the state has an average effective property tax of 0.85%. The median annual property tax paid by homeowners in Oklahoma is just $1,445, one of the lowest amounts in the U.S.
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To calculate the exact amount of property tax you will owe requires your property's assessed value and the property tax rates based on your property's address. Please note that we can only estimate your property tax based on median property taxes in your area. There are typically multiple rates in a given area, because your state, county, local schools and emergency responders each receive funding partly through these taxes. In our calculator, we take your home value and multiply that by your county's effective property tax rate. This is equal to the median property tax paid as a percentage of the median home value in your county.
Oklahoma Property Taxes
Property taxes in the Sooner State are among the lowest in both its region and relatively low across all 50 states in the U.S. The median annual property tax payment in Oklahoma is $1,445, which comes in at just under half the $3,057 national median.
One reason for these low taxes is that state laws do not allow assessed home values to increase by more than 3% from the previous year’s value.
A financial advisor can help you understand how homeownership fits into your overall financial goals. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
How the Oklahoma Property Tax Works
The amount of property taxes homeowners in Oklahoma pay depends on the taxable value of their property and their total tax rate. Taxable value is based on, but not necessarily equal to, market value.
County assessors determine the market value of property in their jurisdictions through an annual assessment. Most assessments are not done in person but are based on recent sales of comparable properties. Assessors are only required to visit each property physically once every four years. Annual increases in a property’s assessed value are capped at 3% for residential homestead and agricultural property. All other property has a cap of 5%. Senior homeowners may also qualify for the senior valuation freeze, which prevents home values from increasing.
The taxable value of a property is equal to the assessed value times the local assessment ratio (between 10% and 15%, depending on county), minus any exemptions. The most common exemption is the homestead exemption, which lowers taxable value by $1,000 on owner-occupied, primary residences. Other exemptions are available to veterans, seniors and disable persons.
So, for example, let’s say your assessed value is $100,000 and you live in a homestead residence in Tulsa County, where the assessment ratio is 11%. Your taxable value would be $11,000 minus $1,000 for the homestead exemption: $10,000 total. Your tax rate would apply to that amount.
Before officially becoming an Oklahoman, or if you’re already a resident and are looking to refinance, take a look at our Oklahoma mortgage guide to better understand mortgages in the Sooner State.
Oklahoma Tax Rates
Tax rates in Oklahoma are set by multiple tax authorities in every county and city, and then totaled for each district. Rates depend on budgetary needs, but increases are usually subject to voter approval. Rates are set as mills, with one mill equaling $1 in taxes per $1,000 in taxable value. For a home with a taxable value of $10,000, a mill rate of 90 mills would mean taxes of $900.
Mill rates vary by locality, so it’s useful to compare property taxes by looking at a home’s effective tax rate. An effective property tax rate is the amount of property taxes paid annually as a percentage of home value. The table below shows median home values, median annual tax payments and average effective tax rates for every county in Oklahoma.
Looking to calculate your potential monthly mortgage payment? Check out our monthly mortgage payment calculator.
Oklahoma County
Oklahoma County is the most populous county in the state, and it contains the state capital, Oklahoma City. It has the third highest average effective tax rate of Oklahoma’s 77 counties, as it currently stands at 1.01%.
Oklahoma County levies a base millage rate of 11.45 mills. But taxes may be more burdensome if you're within the Oklahoma City School District. The school district levies 59.44 mills. Metro Technology Centers, the city’s public technical school, levies a tax of 21.03 mills.
If you have questions about how property taxes can affect your overall financial plans, a financial advisor in Oklahoma City can help you out.
Tulsa County
Situated along the Arkansas River in northeast Oklahoma, Tulsa County has the second-highest property tax rate in the state. The county’s average effective property tax rate of 1.08% is above both the state average of 0.85% and the national average of 0.90%.
In 2019, total mill rates in Tulsa County ranged from a low of about 61 mills to a high of about 132 mills. The total rate in the Tulsa School District was 132.39 mills. That means homeowners within the Tulsa School District pay $132.39 in tax for every $1,000 in taxable value. Taxable value is equal to 11% of assessed value in Tulsa County.
Cleveland County
Cleveland County is a largely suburban and rural county located south of Oklahoma City. It contains the city of Norman and the main campus of the University of Oklahoma. It also has the highest property taxes in the state, with an effective rate of 1.08%. The median annual property tax paid by homeowners in Cleveland County is $2,202, which also ranks first in Oklahoma.
Comanche County
In Comanche County, in southern Oklahoma, the average rate is 0.91%, compared to a state average of 0.85%. In 2019, total mill rates in the county ranged from about 73 mills Bishop to about 109 mills in Elgin.
Canadian County
The average effective property tax rate in Canadian County is 1.01%, third highest in the state. The median home value in the state at $212,700. A home at this value would incur an annual property tax payment of $2,157.
Rogers County
Rogers County sits northeast of Tulsa and has a population of about 91,000. It is part of the Tulsa Metropolitan region, but tax rates in Rogers County are significantly lower than those in Tulsa.
For example, in the county seat of Claremore, the total mill rate was about 105 mills in 2020. By comparison, the mill rates in Tulsa range from roughly 91 to more than 132 mills, depending on the school district.
Payne County
Located about 60 miles from both Tulsa and Oklahoma City, Payne County has property tax rates near the state average. The average effective rate in Payne is 0.88%. The median property tax payment for homeowners in Payne County is $1,730 annually, which is well below the $3,057 national mark.
Wagoner County
Wagoner County stretches from Fort Gibson Lake west to Tulsa County. It is the eighth-largest Oklahoma County, with a population of about 78,000. Its average effective property tax rate is 0.83%, slightly lower than the state average.
Muskogee County
The median home value in Muskogee County is $128,900 according to the U.S. Census Bureau. That is significantly lower than the rest of Oklahoma’s most populous counties, meaning annual property taxes paid here are, too. The median annual property tax in Muskogee County is just $924.
Creek County
Creek County was established in 1907, at the same time Oklahoma gained statehood. It is located southwest of Tulsa, between Tulsa and Oklahoma City. The average effective property tax rate in Creek County is 0.76%. At that rate, the annual taxes on a home worth $100,000 would be $760.
