Oklahoma · Property Tax & Closing Costs
Oklahoma property tax by county
Property tax rates, median home values, and closing cost estimates for all 77 counties in Oklahoma. The average effective rate across the state is 0.64%, ranking Oklahoma 35 of 51 (below-average property taxes). Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.
Average rate
0.64%
across 77 counties
National rank
#35
of 51, highest rate first
Median home value
$146,400
county median in state
Rate range
0.36%–1.00%
McCurtain County → Cleveland County
Same home, different county
On a $146,400 home (the typical county median in Oklahoma), the annual property tax bill depends heavily on where you buy:
Difference
$931/yr
$78/mo · $9,311 over 10 years
Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.
Lowest property tax rates in Oklahoma
The five Oklahoma counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.
| County | Rate |
|---|---|
| McCurtain County | 0.36% |
| Pushmataha County | 0.39% |
| Cimarron County | 0.40% |
| Choctaw County | 0.41% |
| Murray County | 0.42% |
Highest property tax rates in Oklahoma
The five Oklahomacounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.
| County | Rate |
|---|---|
| Cleveland County | 1.00% |
| Canadian County | 0.97% |
| Tulsa County | 0.97% |
| Oklahoma County | 0.97% |
| Washington County | 0.90% |
Oklahoma real estate transfer tax
Oklahoma charges a combined transfer tax of about 0.15% of the purchase price. On a $146,400 home, that is roughly $220 in total.
| Paid by | Rate | On $146,400 |
|---|---|---|
| Buyer | 0.00% | $0 |
| Seller | 0.15% | $220 |
$0.75/$500 (0.15%) Documentary Stamp Tax, seller-paid by custom (negotiable).
Official Oklahoma source → · Verified April 2026
Closing costs in Oklahoma
Across Oklahoma's 77 counties, buyer closing costs run $2,493 to $7,012 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $18,438 to $58,192. Pick your county for your own figures.
Oklahoma closing cost calculatorOklahoma property tax exemptions
Ways buyers in Oklahoma may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Homestead Exemption
Oklahoma exempts $1,000 of assessed value (equivalent to $10,000 fair cash value) on a primary residence owned and occupied as of January 1.
View official source →Senior Valuation Limitation (Senior Freeze)
Homeowners 65+ with 2026 gross household income up to the HUD qualifying level for their county (up to ~$99,000) can freeze the fair cash value of their homestead.
View official source →100% Disabled Veteran Exemption
Veterans with 100% service-connected permanent disability (and surviving spouses) are exempt from property tax on the full fair cash value of their homestead.
View official source →Fair Cash Value Cap (Art. X, Sec. 8B)
Fair cash value may rise at most 3% a year for homesteads and agricultural land, 5% for other property. The cap does not apply in a year the title transfers.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
All 77 counties in Oklahoma
Effective property tax rate, median home value, and median annual taxes paid for every county in Oklahoma. Click a county to open its full property tax calculator and closing cost breakdown.
Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.