Estimate your Oklahoma property tax based on the state's 0.87% average effective rate. Enter your home value for an instant, free calculation.
Enter any tax exemption amount you qualify for in Oklahoma
Oklahoma keeps property taxes on the low side, with a homestead exemption, a 3% annual cap on assessed-value growth, and a senior valuation freeze. Fully disabled veterans owe nothing on their homestead.
County assessors set market value annually (physical inspection at least every four years). Taxable value equals market value times the county assessment ratio (11%–13.5%), minus exemptions, and annual assessed-value growth is capped at 3% for homestead and agricultural property. Rates are levied in mills by counties, cities, school districts, and career-tech districts, with increases generally requiring voter approval.
| Home Value | Estimated Annual Tax | Monthly (Escrow) |
|---|---|---|
| $193,000 (median) | $1,679 | $140/mo |
| $250,000 | $2,175 | $181/mo |
| $600,000 | $5,220 | $435/mo |
Effective rates vary within Oklahoma. These figures are median-tax-to-median-value estimates from U.S. Census ACS data (2019–2023 ACS 5-year (SmartAsset)) for some of the most populous counties:
| County | Effective Rate |
|---|---|
| Oklahoma County | 0.94% |
| Tulsa County | 0.90% |
| Cleveland County | 0.95% |
| Canadian County | 0.92% |
| Comanche County | 0.81% |
| Rogers County | 0.71% |
| Wagoner County | 0.74% |
| Creek County | 0.67% |
Among these counties, effective rates range from about 0.67% in Creek County to 0.95% in Cleveland County. Your actual rate depends on the local mill/millage set by your county, city, and school district.
Oklahoma's standard homestead exemption removes $1,000 of assessed value (roughly $10,000 of market value) on an owner-occupied primary residence. An additional $1,000 exemption is available to owners 65+ or fully disabled whose gross household income is $30,000 or less.
The Senior Valuation Freeze locks a homestead's taxable value for owners 65+ whose gross household income doesn't exceed the county HUD median (about $90,300 for tax year 2026), with no annual reapplication needed. Veterans with a 100% permanent service-connected disability, and unremarried surviving spouses, receive a full property-tax exemption on their homestead with no income limit (Form 998).
Tax bills are issued in the fall and taxes become due November 1. Owners may pay in full or pay the first half by December 31 and the second half by March 31, with interest on amounts unpaid after the deadlines and eventual tax sale.
An owner who disagrees with the assessor's value files a written protest with the county assessor by the deadline on the valuation notice (generally within 30 days). Unresolved protests go to the County Board of Equalization, whose decisions may be appealed to district court.
Oklahoma's statewide effective property tax rate is about 0.75% of home value, one of the lower rates in the country. The median annual bill is roughly $1,670, with county rates from about 0.67% to 0.95%.
The standard homestead exemption removes $1,000 of assessed value from an owner-occupied home. Seniors 65+ and fully disabled owners under the income limit can claim an additional $1,000, and qualifying seniors can freeze their home's taxable value.
Veterans with a 100% permanent service-connected disability, and their unremarried surviving spouses, are fully exempt from property tax on their primary residence, with no income limit, by filing Form 998.