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Updated 2025 Tax Year

Creek County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 7.05% of assessed value (varies by school district and special taxing districts)
1st Due
Nov 1
2nd Due
May 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Creek 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, municipal services, and various special districts. Property taxes in Creek County are administered at the county level, with the County Assessor responsible for property valuations and the County Treasurer handling tax collection and distribution to the appropriate taxing entities.

The effective property tax rate in Creek County varies significantly by location within the county due to different combinations of special taxing districts, school districts, and municipal boundaries. Based on current data, residential property owners can expect tax rates around 7.05% of assessed value for school district taxes, with additional levies for county operations, municipalities, and special districts. Property is assessed at fair market value annually, and various tax credits are available to qualifying homeowners, though these require separate applications and are not automatically applied.

It's important to note that actual tax rates differ throughout Creek County depending on which special taxing districts serve your specific property location, including school districts, fire districts, library districts, and other local governmental entities that may levy additional assessments.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
School District7.05%Primary funding for local school districts (varies by district)
County GeneralVariesCreek County general operations and services
MunicipalVariesCity/town services (if within municipal boundaries)
Fire DistrictVariesLocal fire protection services
Library DistrictVariesPublic library system funding
Other Special DistrictsVariesWater, sewer, parks, or other special service districts

Note: These rates apply to the 2025 tax year, payable in 2026. Actual combined rates vary significantly by property location within Creek County due to different combinations of special taxing districts. The school district rate of 7.05% represents a baseline, with total effective rates typically higher when combined with county, municipal, and special district levies.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Creek 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 Creek County are additional property tax assessments that occur when there are mid-year changes to property ownership, value, or use. The most common triggers include ownership transfers, completion of new construction projects, additions or major improvements to existing properties, or changes in property use classification that affect assessed value.

Supplemental taxes are calculated based on the difference between the previous assessment and the new assessed value, prorated for the remaining months in the current tax year. For example, if a property's assessed value increases from $200,000 to $250,000 due to completed renovations in July, the supplemental tax would be calculated on the $50,000 increase for the remaining months of that tax year. The County Assessor's office typically issues supplemental tax bills within 30-60 days of identifying the qualifying change, and these taxes are due within 30 days of the bill date.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value: $300,000
  • Less: Homestead Credit (if applied): Limits future assessment increases
  • Net Taxable Value: $300,000
  • Tax Rate: 7.05% (school district only, additional districts apply)
  • Annual School Tax: $2,115
  • Estimated Total Annual Tax: $3,000-$4,000
  • Monthly Escrow: $250-$333

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less: Senior Citizen Credit (if qualified and applied): Varies
  • Net Taxable Value: $600,000
  • Tax Rate: 7.05% (school district only)
  • Annual School Tax: $4,230
  • Estimated Total Annual Tax: $6,000-$8,000
  • Monthly Escrow: $500-$667

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less: Available Credits (if applied): Varies
  • Net Taxable Value: $1,000,000
  • Tax Rate: 7.05% (school district only)
  • Annual School Tax: $7,050
  • Estimated Total Annual Tax: $10,000-$13,000
  • Monthly Escrow: $833-$1,083

Note: All tax credits require separate applications and are not automatically applied. Total taxes include additional county, municipal, and special district levies beyond the school district rate shown.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Creek County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. The lender collects monthly tax payments as part of your mortgage payment, deposits them into an escrow account, and pays your property taxes directly to Creek County when due.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, adjusting monthly payments as needed based on actual tax bills and any rate changes. Property owners are responsible for promptly forwarding tax notices and assessment information to their lender to ensure accurate escrow calculations. If your escrow account has insufficient funds due to tax increases or assessment changes, the lender may require a lump sum payment or increase monthly escrow payments to cover the shortfall over the following year. Property owners should verify that their lender has paid taxes on time, as the property owner remains ultimately responsible for tax payments even when using escrow services.

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 Creek County for the current fiscal year? A: Property taxes are typically due April 15th annually. However, due to recent wildfires, the 2025 tax deadline has been extended to November 3, 2025, for affected taxpayers in Creek County. Contact the Creek County Treasurer's office for specific due dates and any applicable extensions.

Q: What tax credits are available and do they require applications? A: Creek County offers several tax credits including homestead credits, senior citizen credits, and disabled veteran credits. ALL CREDITS REQUIRE SEPARATE APPLICATIONS and are not automatically applied. Contact the Creek County Assessor's office for application forms and eligibility requirements.

Q: How does the homestead credit work? A: The homestead credit does not reduce your property's market value but instead limits annual assessment increases on your primary residence. You must file an application with the Creek County Assessor by March 15th to qualify. Once approved, the credit remains in effect for future years without reapplying.

Q: What is the senior citizen property tax credit? A: A property tax credit is available for qualifying senior citizens, surviving spouses, and disabled veterans. The senior property tax credit has been approved for the 2025 tax year, payable in 2026. Once approved, the credit remains in effect for future years. Applications must be filed with the Creek County Assessor.

Q: How often are properties reassessed in Creek County? A: Properties in Creek County are subject to annual assessment. The County Assessor revalues properties based on market conditions, sales data, and physical changes to properties. Major county-wide reappraisals occur periodically to ensure equitable assessments.

Q: How do I appeal my property assessment? A: Property owners who disagree with their assessment can appeal to the Creek County Board of Equalization. Appeals must typically be filed within a specific timeframe after receiving your assessment notice. Contact the Creek County Assessor's office for appeal procedures and deadlines.

Q: What are the penalties for late property tax payments? A: Creek County imposes penalties and interest on delinquent property taxes. Specific penalty rates and collection procedures vary, so contact the Creek County Treasurer's office for current penalty information and payment options if your taxes are past due.

Q: Can I pay my property taxes online? A: Many Oklahoma counties offer online payment options for property taxes. Contact the Creek County Treasurer's office or visit their website to determine available online payment methods, accepted payment types, and any associated convenience fees.

Q: Why do property tax rates vary within Creek County? A: Tax rates vary by location within Creek County because different areas are served by different combinations of special taxing districts, school districts, municipalities, fire districts, and library districts. Each entity sets its own levy rate, resulting in different total tax rates depending on your property's specific location and which districts serve that area.

Q: What triggers supplemental tax assessments? A: Supplemental taxes are triggered by ownership changes, completion of new construction, major property improvements, or changes in property use classification. These result in additional tax bills prorated for the remaining portion of the current tax year based on the increased assessed value.

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