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Updated 2025 Tax Year

Adair County
Property Tax Guide

Everything you need to know about property taxes in Adair County, OK. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.75% base county rate, varies by district with additional levies for schools, fire, municipal
Exemptions
5+ Available
Section 1

How Property Tax Works

Adair County, Oklahoma operates under a property tax system that funds essential local services including schools, county government, emergency services, and infrastructure maintenance. Property taxes in Adair County are assessed annually in January, with tax rates set each July for the following fiscal year. The county's effective tax rate for FY 2025-2026 is approximately 1.75% (0.0175) of assessed value, though this represents just the base county rate.

Your actual property tax rate will vary depending on your specific location within Adair County due to special taxing districts such as school districts, fire districts, and municipal assessments. These additional levies can significantly impact your total tax burden, making it important to understand all applicable rates for your property's specific tax district. Properties are assessed at 100% of fair market value as determined by the County Assessor, with taxes calculated on this full assessed value minus any applicable tax credits you've applied for and received approval.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General Fund0.0175Base county operations, roads, courts, sheriff
School DistrictsVariesLocal school district levies (varies by district)
Municipal LeviesVariesCity/town taxes (if within city limits)
Fire DistrictsVariesRural fire protection districts
Library DistrictsVariesPublic library funding (where applicable)
Special AssessmentsVariesBonds, improvement districts

Levy Year: FY 2025-2026 (rates set July 2025)

Important Note: The 1.75% rate shown represents only the county portion. Total effective rates typically range from 2.5% to 4.5% depending on your property's location and applicable special districts. Contact the Adair County Assessor at (918) 696-7198 for your property's complete tax district breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Adair County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental tax assessments occur when there are changes to property ownership, value, or use during the tax year. The most common triggers include new construction completion, major improvements, ownership transfers that remove exemptions, or corrections to previous assessments. When a supplemental assessment is issued, you'll receive a separate tax bill for the pro-rated amount covering the period from when the change took effect through the end of the current tax year.

For example, if you complete a $100,000 home addition in March and your total tax rate is 3.5%, you would owe a supplemental tax of approximately $2,917 covering March through December (10 months). This supplemental tax is calculated by taking the additional assessed value ($100,000), multiplying by your total tax rate (0.035), then pro-rating for the remaining months in the tax year (10/12 months = $2,917). Supplemental tax bills are typically issued within 30-60 days of the assessor being notified of the change and have separate due dates from your regular property tax payments.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Senior Citizens Tax Credit Applied: -$1,000 (if qualified and applied)
  • Net Taxable Value: $299,000
  • Total Tax Rate (estimated): 3.2%
  • Annual Tax: $9,568
  • Monthly Escrow: $797

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Tax Credit Applied: -$1,000 (if qualified and applied)
  • Net Taxable Value: $599,000
  • Total Tax Rate (estimated): 3.5%
  • Annual Tax: $20,965
  • Monthly Escrow: $1,747

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • No Tax Credits Applied: $0
  • Net Taxable Value: $1,000,000
  • Total Tax Rate (estimated): 3.8%
  • Annual Tax: $38,000
  • Monthly Escrow: $3,167

Note: Tax credits require separate applications and approval. Rates vary by specific tax district location within Adair County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Adair County require property tax escrow accounts, where you pay 1/12th of your estimated annual property tax with each monthly mortgage payment. Your lender collects these funds and pays your property taxes directly to the county when due. Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, which may result in payment adjustments if your tax bill increases or decreases significantly.

Property taxes in Adair County are paid in two installments: the first half is due September 1st, and the second half is due March 1st of the following year. Your lender will make these payments from your escrow account on your behalf. You can verify that payments have been made by checking with the Adair County Treasurer's office or accessing their online payment portal. If you pay your taxes directly (without escrow), you're responsible for ensuring both installments are paid on time to avoid penalties and interest charges.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Adair County for FY 2025-2026? A: Property taxes are split into two payments: first half due September 1, 2025, and second half due March 1, 2026. Late payments incur penalties and interest.

Q: What tax credits are available and how do I apply? A: Common tax credits include Homestead Credit (limits assessment increases), Senior Citizens Credit (age 65+), Disabled Veteran Credit, and Low-Income Senior Credit. All require separate applications filed with the County Assessor by March 15th annually.

Q: How does the Homestead Tax Credit work? A: The Homestead Credit caps your property's assessed value increases to a maximum percentage each year (typically 5-10%), rather than reducing the market value. You must apply by March 15th and the property must be your primary residence.

Q: When are properties assessed and how can I appeal? A: Properties are assessed annually as of January 1st. Assessment notices are mailed in spring. You have 30 days from the notice date to file an appeal with the County Board of Equalization if you disagree with your assessment.

Q: What happens if I pay my taxes late? A: Late payments incur penalties starting at 5% for the first month, plus 1% interest per month thereafter. Properties with delinquent taxes for multiple years may be subject to tax lien sales.

Q: Can I pay my property taxes online? A: Yes, Adair County offers online payment options through the County Treasurer's website. Contact the Treasurer's office at (918) 696-7587 for current online payment portal information.

Q: How do special taxing districts affect my tax rate? A: Your location determines which school district, fire district, and municipal taxes apply. Properties in incorporated areas pay city taxes, while rural properties may have fire district assessments. Total rates can vary significantly across the county.

Q: What triggers a supplemental tax assessment? A: New construction completion, major home improvements, ownership changes that affect exemptions, rezoning, or corrections to previous assessments can trigger supplemental tax bills with separate due dates from regular tax payments.

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