What is the property tax rate in Oklahoma County?

The combined effective property tax rate in Oklahoma County, Oklahoma is approximately 1.05%.

Oklahoma County Property Tax Calculator (2026) — Oklahoma Property Tax Almanac

Property Tax in Oklahoma County, 2026

A calculator and field guide for Oklahoma City-area homeowners — and for anyone considering a move to Oklahoma County — including Oklahoma's constitutional 11% real-property assessment ratio (Article X §8), the $1,000 standard + $1,000 additional Homestead Exemption, the Senior Valuation Limitation (true AV freeze for 65+ with HUD-county-median income — Oklahoma County $99K, Tulsa $90,300, Canadian $99K for 2026), the 3% annual AV cap (Article X §8B), and the FULL Disabled Veterans Exemption (100% service-connected, Article X §8E since 2008). Effective rates ~0.87% statewide median (35th nationally).

Oklahoma County, home to Oklahoma City and 800k Oklahomans, operates under Oklahoma\'s constitutional 11% real-property assessment ratio (Oklahoma Constitution Article X §8 — counties may assess at 11-13.5%, most use the 11% minimum). AV = Fair Cash Value (FCV) × 11%. Tax = AV × millage / 1,000. Combined millage typically 90-135 mills (= ~1.0-1.5% gross before homestead). Oklahoma uses "Fair Cash Value" (FCV) terminology rather than the more-common Fair Market Value. The structural protections — the constitutional 11% AR, the $1,000 standard Homestead Exemption (+ $1,000 additional if income-tested), the Senior Valuation Limitation, and the 3% annual AV cap — combine to produce one of the more-favorable property tax structures in the central United States. Effective rates run ~0.87% statewide median, 35th nationally — well below neighboring Texas (1.80%) and Kansas (1.41%).

How the bill is built

Oklahoma property tax follows a 4-step calculation. Step 1: Fair Cash Value. The Oklahoma County Assessor determines FCV annually using comparable sales (most common), cost approach, or income approach. Step 2: Apply 11% AR. AV = FCV × 11%. So a $200K home has AV = $22,000. Step 3: Apply $1,000 standard Homestead Exemption. AV = $22,000 − $1,000 = $21,000. Step 4: Apply tax rate. Tax = AV × millage / 1,000. Oklahoma County\'s combined millage is ~95 mills (= ~1.04% effective). For homestead-eligible owners 65+ or fully disabled with gross household income at or below $30,000, an additional $1,000 AV reduction stacks (saves another ~$100-135/year).

Oklahoma\'s constitutional 3% annual AV cap (Article X §8B) is structurally important. Even if FCV rises 10-20% per year (as has happened in fast-growing Oklahoma City and Tulsa metros since 2020), taxable AV can only increase 3% per year for homestead properties. Originally a 5% cap when established by State Question 676 in 1996, the cap was reduced to 3% by State Question 758 in 2012. The cap RESETS at sale — new buyers face the full FCV-based AV. This creates substantial AV disparities between long-term residents and recent buyers in appreciating Oklahoma markets. Non-homestead properties have a 5% cap.

The Senior Valuation Limitation (Article X §8C, established by SQ 715 in 2004) is one of the most-progressive senior property tax protections in the United States. Owners 65+ with gross household income at or below the **prior-year HUD median income for the county** receive a true AV freeze. The income limits are county-specific and rise annually with HUD adjustments. For 2026: Oklahoma County $99,000 (raised from $89,000 by Oklahoma County Assessor Larry Stein, October 2025); Tulsa County $90,300; Canadian County $99,000. Once qualified, the AV is frozen at the level when first granted. Applies to homestead property only. Apply with County Assessor by March 15. Re-qualification required if income exceeds the limit in any year.

Oklahoma provides a FULL property tax exemption on the entire fair cash value of the homestead for 100% service-connected permanently and totally disabled veterans (Oklahoma Constitution Article X §8E, established by State Question 735 in 2008). Among the most-generous in the United States — applies to ENTIRE FCV (not capped at any dollar amount). Surviving unremarried spouses retain. Combined with Oklahoma\'s moderate effective rates (~0.87% statewide), qualifying disabled vets pay $0 on the homestead. Apply with County Assessor with VA disability rating decision.

2026 Oklahoma County rate breakdown (consolidated millage per $1,000 of AV (11% AR × FCV), Oklahoma City district)

Taxing entity	Rate
Combined county + municipal + school + special districts (~95 mills × 11% AR = ~1.05% effective, post $1,000 standard homestead)	95.0000
Combined total	95.0000

As of April 26, 2026 · From Oklahoma County Assessor.

Note: Oklahoma County is **the most-populous county in Oklahoma** (~800K residents) and home to **Oklahoma City** — the capital and largest city in Oklahoma (~700K, the seat — the largest city by area in the United States outside Alaska, at ~620 square miles, after major 1960s annexations). The county is the political, economic, and cultural anchor of central Oklahoma. Anchored by Oklahoma City, Edmond (~95K — affluent OKC northern suburb, home to the University of Central Oklahoma ~17K students), Midwest City (~58K — east OKC suburb, home to **Tinker Air Force Base** ~26,000 military and civilian personnel, the largest single-site employer in Oklahoma), Bethany (~20K), Del City, and The Village. Major employment includes the **State of Oklahoma** (capital city), Tinker AFB, the **OG&E** energy giant, **Devon Energy** (the major US oil/gas company headquartered in Oklahoma City — Devon Energy Center is the tallest building in Oklahoma at 845 feet), **Continental Resources**, **OGE Energy**, and substantial healthcare (OU Health Sciences Center, INTEGRIS Health, Mercy Health).

Note: Oklahoma County effective property tax rates run approximately **1.05%** — moderate by Oklahoma standards. Combined county + municipal + school district + special district millage is ~95 mills (× 11% AR = ~1.045% gross). Median home values around $190K combined with the moderate effective rate produce median annual bills around $1,995. **Oklahoma County's Senior Valuation Limitation income limit was raised to $99,000 for 2026** (from $89,000 prior year — Oklahoma County Assessor Larry Stein's office announcement, October 2025).

Note: For relocation buyers: Oklahoma County offers **the political-state-capital + Tinker AFB + Devon Energy central-Oklahoma** option — substantial state government and Tinker AFB military employment, the celebrated **Oklahoma City Memorial National Park** (the iconic 1995 Oklahoma City Bombing memorial site at the former Alfred P. Murrah Federal Building location), the celebrated NBA Oklahoma City Thunder professional basketball, and reasonable cost of living. The trade-off: substantial OKC housing affordability has eroded since 2020 (median home prices appreciated ~30%+), persistent racial-and-economic segregation patterns, and **substantial tornado risk** (central Oklahoma is the heart of "Tornado Alley" — Oklahoma County and adjacent Cleveland County are among the most-tornado-impacted counties in the United States, including the devastating May 3, 1999 Bridge Creek-Moore F5 tornado and the May 20, 2013 Moore EF5 tornado).

Deductions and exemptions for 2026

Oklahoma homeowner property tax relief operates through four primary mechanisms: (1) the $1,000 standard Homestead Exemption (universal AV reduction), (2) the $1,000 additional Homestead Exemption (income-tested at $30K, for 65+ or fully disabled), (3) the Senior Valuation Limitation (true AV freeze for 65+ at HUD-county-median income), and (4) the FULL Disabled Veterans Exemption (100% service-connected, entire FCV). Plus the structural protection of the constitutional 3% annual AV cap (Article X §8B).

$1,000 Standard Homestead Exemption (universal)

The standard Homestead Exemption is a flat $1,000 reduction in assessed value (AV). At Oklahoma\'s typical 90-135 mills, this saves approximately $100-135 per year. Required: legal Oklahoma residency, ownership as of January 1, principal residence on January 1 with intent to remain through next January 1, and deed recorded with County Clerk by February 1. Apply once with County Assessor by March 15 — the exemption stays in effect until you sell or move (no annual renewal). Oklahoma assessors estimate that ~10-20% of eligible Oklahoma homeowners fail to claim this exemption, losing $100-135 per year unnecessarily. File as soon as you purchase.

$1,000 Additional Homestead Exemption (income-tested)

Owners 65+ OR fully disabled with gross household income at or below $30,000 receive an additional $1,000 AV reduction (per OK Statutes §68-2890), saving another ~$100-135 per year. Income definition is broad — includes pensions, Social Security, capital gains, etc., but excludes veterans\' disability compensation and gifts. For seniors who have already qualified once, no annual reapplication is required (unless income exceeds the limit, which must be reported to the Assessor).

Senior Valuation Limitation (Article X §8C)

Established by State Question 715 in 2004, the Senior Valuation Limitation provides a true AV freeze for owners 65+ with gross household income at or below the prior-year HUD median income for the county — a generous and progressive structure. Income limits are county-specific and rise annually. For 2026: Oklahoma County $99,000 (raised from $89,000 by County Assessor Larry Stein, October 2025); Tulsa County $90,300; Canadian County $99,000. The freeze does NOT cap millage rate increases — so tax bills can still rise if local taxing entities raise rates, but the AV portion stays locked. Once qualified and continuously meeting income limits, no annual reapplication is required. Apply with County Assessor by March 15.

3% Annual AV Cap (Article X §8B)

For homestead properties: taxable AV cannot increase more than 3% per year, regardless of how much FCV rises. Originally a 5% cap when established by State Question 676 in 1996, the cap was reduced to 3% by State Question 758 in 2012. The cap RESETS at sale — new buyers face the full FCV-based AV. Caps do NOT apply to newly-constructed property or substantial improvements. Non-homestead properties are capped at 5%. The cap has produced significant AV disparities in fast-growing Oklahoma City and Tulsa metros where long-term residents pay less than recent buyers for identical homes.

FULL Disabled Veteran Exemption (Article X §8E, 100% service-connected)

Established by State Question 735 in 2008, Oklahoma provides a FULL property tax exemption on the entire fair cash value of the homestead for veterans rated 100% service-connected permanently and totally disabled. Among the most-generous in the United States — applies to ENTIRE FCV (not capped at any dollar amount). Surviving unremarried spouses retain. Apply with County Assessor with VA disability rating decision and DD-214.

Appealing your assessment

Oklahoma property tax appeals follow a 3-tier process. Level 1: County Board of Equalization. File written appeal by the first Monday in May each year (or within 20 days of receiving a Notice of Increase in Valuation, whichever is later). The Board holds informal hearings — present comparable sales, recent appraisals, or condition documentation. Level 2: County Court of Tax Review. If unresolved, appeal to County Court within 10 days of Board decision. Level 3: Oklahoma Supreme Court. County Court decisions can be appealed on legal/constitutional grounds. Most Oklahoma appeals are resolved at Level 1. Tax cycle: bills mailed in November, payable in halves (first half due Dec 31, second half due March 31) or in full by Dec 31.

Cities and towns in Oklahoma County

Oklahoma County contains 6 incorporated municipalities, ranging from Oklahoma City to the smallest village. Search volume for property tax is often city-specific, so here is the complete list — with population from the 2020 US Census, rounded to the nearest 100.

Data: US Census Bureau, 2020 Decennial Census. Populations rounded. Cities marked as "split" straddle a county border — the portion inside Oklahoma County is subject to Oklahoma County's tax rolls, while the portion outside is subject to the adjacent county's.

City or town	Type	Population (2020)
Oklahoma City County seat Split	city	700,000
Edmond	city	95,000
Midwest City	city	58,000
Del City	city	22,000
Bethany	city	20,000
The Village	city	9,000

About city-level property tax rates: The rate breakdown and calculator on this page reflect the Oklahoma City tax district. Other cities in Oklahoma County may pay into different school districts, city rates, and special districts — so their combined rates can differ, sometimes substantially. Always verify the specific rates for your address with the Oklahoma County Assessor before relying on any estimate.

Frequently asked questions

When are Oklahoma property taxes due?

Oklahoma property tax bills are mailed in November. You can pay in full by December 31, OR in two halves: first half due December 31, second half due March 31. Late payments after March 31 accrue penalty plus interest. Most homeowners pay through escrow via mortgage servicer. Oklahoma uses "Fair Cash Value" (FCV) terminology rather than the more-common Fair Market Value.

What is Oklahoma\'s 11% assessment ratio?

Oklahoma\'s constitutional 11-13.5% assessment ratio (Article X §8) — most counties use the 11% minimum — means a home with Fair Cash Value of $200,000 has assessed value of just $22,000. Tax = AV × millage / 1,000. So at typical 100 mills, the gross tax is $2,200 (before $1,000 standard Homestead Exemption reduces it to $2,090). This produces effective rates around ~0.87% statewide median, 35th nationally — well below neighboring Texas (1.80%) and Kansas (1.41%).

How does the $1,000 Homestead Exemption work?

The standard Homestead Exemption is a flat $1,000 reduction in assessed value (AV). At Oklahoma\'s typical 90-135 mills, this saves approximately $100-135 per year. Required: legal Oklahoma residency, ownership as of January 1, principal residence on January 1, and deed recorded with County Clerk by February 1. Apply once with County Assessor by March 15 — the exemption stays in effect until you sell or move (no annual renewal). Owners 65+ or fully disabled with gross household income at or below $30,000 also qualify for an additional $1,000 AV reduction.

How does the Senior Valuation Limitation work?

The Senior Valuation Limitation (Oklahoma Constitution Article X §8C, established by State Question 715 in 2004) is a true AV freeze for owners 65+ with gross household income at or below the prior-year HUD median income for the county — county-specific and progressive. For 2026: Oklahoma County $99,000 (raised from $89,000 by Assessor Larry Stein, October 2025); Tulsa County $90,300; Canadian County $99,000. Once qualified, the AV is frozen at the level when first granted. The freeze does NOT cap millage rate increases (so tax bills can still rise if local taxing entities raise rates), but the AV portion stays locked. Apply by March 15.

How does the 3% AV cap work?

For homestead properties: taxable AV cannot increase more than 3% per year, regardless of how much Fair Cash Value rises (Oklahoma Constitution Article X §8B). Originally a 5% cap when established by State Question 676 in 1996, the cap was reduced to 3% by State Question 758 in 2012. The cap RESETS at sale — new buyers face the full FCV-based AV. Non-homestead properties are capped at 5%. The cap has produced significant AV disparities in fast-growing Oklahoma City and Tulsa metros.

How does the Disabled Veteran exemption work in Oklahoma?

Oklahoma provides a FULL property tax exemption on the entire fair cash value of the homestead for veterans rated 100% service-connected permanently and totally disabled (Oklahoma Constitution Article X §8E, established by State Question 735 in 2008). Among the most-generous in the United States — applies to ENTIRE FCV (not capped at any dollar amount). Surviving unremarried spouses retain. Combined with Oklahoma\'s moderate effective rates, qualifying disabled vets pay $0 on the homestead. Apply with County Assessor with VA disability rating decision (must specify 100% permanent and total) and DD-214.

How do I appeal my Oklahoma assessment?

Oklahoma property tax appeals follow a 3-tier process. Level 1: County Board of Equalization. File written appeal by the first Monday in May each year (or within 20 days of receiving a Notice of Increase in Valuation, whichever is later). Level 2: County Court of Tax Review. Within 10 days of Board decision. Level 3: Oklahoma Supreme Court. County Court decisions can be appealed on legal/constitutional grounds. Most Oklahoma appeals are resolved at Level 1.

About Oklahoma County

Beyond the property tax — a few things you might not know about the place.

Weird fact

The **Oklahoma City Memorial National Park** preserves the site of the **April 19, 1995 Oklahoma City Bombing** — when domestic terrorist Timothy McVeigh detonated a 4,800-pound truck bomb outside the Alfred P. Murrah Federal Building, killing 168 people (including 19 children at the America's Kids Day Care Center on the second floor) and injuring 680 more. It remained the **deadliest act of domestic terrorism in US history** until the September 11, 2001 attacks. The Memorial features 168 empty bronze chairs (one for each victim, including 19 smaller chairs for the child victims), the iconic Reflecting Pool, the Survivor Tree (a 90-year-old American Elm that survived the bombing), and an extensive museum documenting the bombing, response, and recovery. The Memorial draws ~400,000 annual visitors and is among the most-visited US National Park Service sites in the central United States. McVeigh was executed in 2001; co-conspirator Terry Nichols is serving life imprisonment without parole at ADX Florence supermax.

Hometown hero

Russell Westbrook + Kevin Durant (OKC Thunder era)

**Russell Westbrook** (born 1988 in Long Beach, CA) and **Kevin Durant** (born 1988 in Washington, DC) — two of the most-celebrated NBA basketball players of the 2010s — formed the iconic core of the **Oklahoma City Thunder** professional basketball team during the team's 2008-2016 peak era. The Thunder relocated to Oklahoma City from Seattle in 2008 (formerly the Seattle SuperSonics, established 1967). Durant played for the Thunder 2008-2016 (winning the 2014 NBA MVP) before controversial free-agent departure to the Golden State Warriors. Westbrook played for the Thunder 2008-2019 (winning the 2017 NBA MVP). The Thunder's 2012 NBA Finals appearance (lost to LeBron James' Miami Heat in 5 games) remains the most-celebrated playoff run in OKC professional sports history. **Other notable Oklahoma County figures** include **Vince Gill** (the country music star and 22-time Grammy winner, born 1957 in Norman but raised in Oklahoma City), **Reba McEntire** (the celebrated country music star, born 1955 in McAlester, OK but with substantial OKC connections), and **Brad Pitt** (born 1963 in Shawnee, OK — Pottawatomie County, but raised in Springfield, MO).

Biggest annual event

OKC Thunder NBA games + Oklahoma State Fair

The **Oklahoma City Thunder** (NBA) home games at Paycom Center (capacity 18,203, in downtown Oklahoma City) draw 18,000+ attendees per game. The **Oklahoma State Fair** (annual, mid-September at the OKC Fairgrounds, since 1907) is **the largest annual fair in Oklahoma** — drawing 1,000,000+ attendees over 11 days with traditional state fair programming, livestock competitions, the celebrated Oklahoma State Fair Rodeo, and major Oklahoma regional musical performances. **The Memorial Marathon** (annual, last weekend of April through downtown Oklahoma City, since 2001) is among the largest annual marathons in the central United States — running through the Oklahoma City Memorial site to commemorate the 1995 bombing victims.

Property Tax in Oklahoma County, 2026