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Updated 2025 Tax Year

Cleveland County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 1% of market value (varies by taxing district combinations including school, municipal, and library districts)
Exemptions
4+ Available
Section 1

How Property Tax Works

Cleveland County, Oklahoma operates under a property tax system that funds essential local services including schools, roads, emergency services, and county operations. Property taxes in Cleveland County are based on assessed values determined by the County Assessor, with tax rates set annually by the County Commission based on budgetary needs for public services.

The effective property tax rate in Cleveland County typically ranges around 1% of market value, though this varies significantly depending on your specific location within the county due to different combinations of special taxing districts. These districts may include school districts, municipal services, library districts, and other local service areas. Property owners receive tax bills twice annually, with payments due in February and July. It's important to note that your actual tax rate depends on which special taxing districts serve your property location.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
County GeneralVariesBasic county services, roads, courts, sheriff
School DistrictsVariesLocal school district operations and bonds
Municipal ServicesVariesCity services (if within city limits)
Special DistrictsVariesFire protection, libraries, drainage, other local services
Total Effective Rate~1.0%Combined rate of all applicable districts

Note: The 2025 property tax rates have not yet been finalized by the Cleveland County Commission. Rates vary significantly based on your property's location and the specific combination of taxing districts that serve your area. Contact the Cleveland County Assessor's Office for current rates applicable to your specific property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cleveland 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 taxes in Cleveland County are additional property tax assessments that occur when there are changes to a property's assessed value during the tax year. Common triggers include new construction, major improvements, ownership changes, or corrections to the original assessment.

When supplemental taxes are levied, they are calculated by applying the current tax rate to the difference between the new assessed value and the previous assessed value, prorated for the portion of the tax year remaining. For example, if you complete a $50,000 home addition in July, you would owe supplemental taxes on the increased assessed value for the remaining months of that tax year. Supplemental tax bills are issued separately from regular property tax bills and have their own due dates, typically 30 days from the issue date.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (typically 11-13.5%): $36,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $35,000
  • Annual Tax (at ~1.0% effective rate): $350
  • Monthly Escrow: $29

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value: $72,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $71,000
  • Annual Tax: $710
  • Monthly Escrow: $59

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value: $120,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $119,000
  • Annual Tax: $1,190
  • Monthly Escrow: $99

Note: Homestead and other credits require separate applications and are not automatically applied. Assessment ratios and tax rates vary by location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cleveland County require property tax escrow accounts, where you pay 1/12 of your estimated annual property taxes with each monthly mortgage payment. The lender holds these funds and pays your property taxes directly to Cleveland County when due. Your lender will typically collect the first half payment by the February 18th due date and the second half by the July 8th due date.

Lenders are required to provide an annual escrow analysis showing the previous year's tax payments and any adjustments needed for the coming year. If your property taxes increase due to higher assessments or tax rate changes, your monthly escrow payment may increase accordingly. You have the right to review your escrow account annually and request documentation of tax payments made on your behalf. If you pay off your mortgage or choose to waive escrow (if permitted), you become responsible for making tax payments directly to the Cleveland County Treasurer.

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 Cleveland County? A: Property taxes are paid in two installments annually. The first half is due February 18, 2026, and the second half is due July 8, 2026 for the current tax year.

Q: What homestead credits are available and how do I apply? A: The Homestead Credit is available to property owners who occupy their home as their primary residence. This credit caps annual assessment increases and requires an application. Apply in person, by mail, or email to applications@okco14.org. Once granted, you typically don't need to reapply if you continue to occupy the property.

Q: Are there additional credits for seniors or disabled persons? A: Yes, additional homestead credits may be available for seniors (65+), disabled persons, and disabled veterans. These require separate applications and documentation. Contact the Cleveland County Assessor's Office for specific eligibility requirements and application procedures.

Q: What happens if I pay my taxes late? A: Penalties and interest apply to late property tax payments. Contact the Cleveland County Treasurer's Office for current penalty rates and payment options if you're behind on taxes.

Q: How is my property's assessed value determined? A: The Cleveland County Assessor determines your property's appraised market value, then applies Oklahoma's assessment ratio (typically 11-13.5% for residential property) to calculate the assessed value used for tax calculations.

Q: Can I appeal my property assessment? A: Yes, property owners can appeal their assessments. Contact the Cleveland County Assessor's Office for appeal procedures, deadlines, and required documentation.

Q: Can I pay my property taxes online? A: Check with the Cleveland County Treasurer's Office for current online payment options and accepted payment methods.

Q: Why do tax rates vary within Cleveland County? A: Tax rates vary based on the specific combination of taxing districts serving your property, including school districts, municipal services, fire districts, library districts, and other special service areas.

Q: What if my property is in multiple taxing districts? A: Your total tax rate is the sum of all taxing districts that serve your property location. The County Assessor can provide a breakdown of which districts apply to your specific address.

Q: Do I need to reapply for credits each year? A: Most credits, once approved, continue automatically as long as you remain eligible and occupy the property. However, some may require periodic renewal or re-certification. Confirm requirements with the Assessor's Office.

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