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Updated 2025 Tax Year

Coal County
Property Tax Guide

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

8 Official Sources
8 min read
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Quick Facts
Tax Rate
0.8% to 1.2% of market value (varies by district and overlapping jurisdictions)
Exemptions
4+ Available
Section 1

How Property Tax Works

Coal County, Oklahoma operates under the state's property tax system, where property taxes serve as a primary funding source for local government services, schools, and special districts. The county follows Oklahoma's standard assessment practices, with residential properties typically assessed at 11-12% of fair market value, while the effective tax rate generally ranges from 0.8% to 1.2% of market value depending on your specific location within the county.

Property tax rates in Coal County vary significantly by location due to multiple overlapping taxing jurisdictions, including school districts, municipal governments, and special service districts. Each property owner's total tax bill reflects the combined rates of all applicable taxing entities serving their specific address. The county assessor determines assessed values, while individual taxing entities set their own millage rates annually to fund their operations.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate Rate (mills)Description
County General8-12Coal County general operations and services
School District25-40Local school district operations (varies by district)
Career Tech3-6Vocational and technical education
County Roads2-4Road maintenance and improvement
Fire Protection1-3Rural fire protection services (where applicable)
Municipal0-15City taxes (incorporated areas only)
Total Range39-80 millsCombined rate varies by location

Note: These rates apply to the FY 2024-2025 levy year. Actual rates vary significantly based on your property's specific taxing districts. Contact the Coal County Assessor at (580) 927-2103 for your exact millage rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Coal 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 Coal County are additional property tax assessments issued when there are significant changes to a property during the tax year. Common triggers include new construction, major improvements, ownership changes that remove previous exemptions, or corrections to the original assessment. These taxes are calculated by applying the current year's tax rate to the increase in assessed value, prorated for the portion of the tax year the change was in effect.

For example, if you complete a $50,000 home addition in July, and your area's total tax rate is 60 mills (6%), the supplemental tax would be approximately $300 ($50,000 × 12% assessment ratio × 6% tax rate), prorated for the remaining months of the tax year. Supplemental tax bills are typically mailed within 30-60 days of the assessment change and have their own separate due dates from your regular property tax bill.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (12%): $36,000
  • Less: Homestead Credit: -$1,000 (application required)
  • Net Taxable Value: $35,000
  • Annual Tax (55 mills): $1,925
  • Monthly Escrow: $160

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (12%): $72,000
  • Less: Homestead Credit: -$1,000 (application required)
  • Net Taxable Value: $71,000
  • Annual Tax (55 mills): $3,905
  • Monthly Escrow: $325

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (12%): $120,000
  • Less: Homestead Credit: -$1,000 (application required)
  • Net Taxable Value: $119,000
  • Annual Tax (55 mills): $6,545
  • Monthly Escrow: $545

Note: Tax rates used are estimates. Homestead and other credits require separate applications and are not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Coal County require property tax escrow accounts, collecting monthly tax payments along with principal and interest. Your lender calculates the monthly escrow amount by dividing your annual property tax bill by 12, often adding a small cushion for potential increases. Coal County property taxes are due April 15th annually, and lenders typically pay your taxes directly to the county treasurer from your escrow account.

Lenders conduct annual escrow analyses to ensure adequate funds, which may result in monthly payment adjustments. You'll receive an escrow statement showing all deposits, payments, and balance changes. If you pay taxes independently, you can make payments online through the Coal County Treasurer's website, by mail, or in person at the courthouse. Always verify with your lender that taxes were paid on time, as missed payments can result in penalties and potential liens on your property.

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 Coal County property taxes due for FY 2024-2025? A: Property taxes are due April 15, 2025. Extensions may be available upon request, but interest may accrue.

Q: What homestead credit is available and how do I apply? A: The Homestead Exemption limits assessment increases and provides tax credits. You must file an application with the Coal County Assessor by March 15th. This is not automatic and must be renewed under certain circumstances.

Q: Are there other tax credits I should know about? A: Yes, including senior citizen credits, disability credits, and veteran exemptions. All require separate applications with specific deadlines. Contact the Coal County Assessor at (580) 927-2103 for applications and requirements.

Q: How often are properties reassessed? A: Oklahoma law requires properties to be appraised at least every four years, though Coal County may reassess more frequently based on market changes or property improvements.

Q: Can I appeal my property assessment? A: Yes, you can appeal to the Coal County Board of Equalization. Appeals must typically be filed by April 1st of the tax year. Contact the assessor's office for specific procedures and forms.

Q: What happens if I pay my taxes late? A: Late payments incur interest and penalties. Interest begins accruing after the April 15th due date at rates set by state law.

Q: Can I pay my property taxes online? A: Yes, Coal County offers online payment options through the county treasurer's website. Credit card and electronic check payments are typically accepted with associated processing fees.

Q: Why do my taxes vary from my neighbor's even with similar home values? A: Tax bills depend on your specific combination of taxing districts (school, fire, municipal, etc.), which can vary even within the same neighborhood. Different exemptions and credits also affect individual tax bills.

Verified Sources

Backed by 8 Official Government Sources

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

01
Tax Doc
oac 710:50 oklahoma tax commission 1oklahoma.gov
02
State
Untitled - OK State Auditorsai.ok.gov
03
Coal Real and Personal Property Declaration Schedule ...moffatcounty.colorado.gov
04
House Subject Indexoklegislature.gov
05
Tax Doc
Making Oklahoma's Tax Expenditures More Transparent ...mass.gov
06
Tax Doc
oklahoma ad valorem tax laws 2001digitalprairie.ok.gov
07
County
COAL COUNTY - Oklahoma Digital Prairiedigitalprairie.ok.gov
08
Tax Doc
AD VALOREM TAX LAWS 2021 - Oklahoma.govoklahoma.gov
All sources verified as of 2025 Tax Year

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