HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Garfield County
Property Tax Guide

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

10 Official Sources
8 min read
Calculate Your True CostMortgage Calculator
Quick Facts
Tax Rate
Varies by location due to different school districts, municipalities, and special taxing districts
Exemptions
4+ Available
Section 1

How Property Tax Works

Garfield County, Oklahoma operates under a property tax system that funds essential local services including schools, roads, emergency services, and county operations. Property taxes are calculated using assessment rates applied to the assessed value of real property, with the county assessor determining property values and the county treasurer collecting payments. The effective tax rates in Garfield County vary significantly based on your specific location within the county due to different combinations of school districts, municipalities, and special taxing districts.

For the 2025 tax year, residential properties face an assessment rate of 7.05% while all other property classifications including vacant land, commercial, and industrial properties are assessed at 6.25%. These rates are applied to the assessed value of your property to determine your annual tax obligation. Property owners should note that actual tax bills will vary considerably depending on which school district and special taxing districts serve their specific address within Garfield County.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Residential School Assessment7.05%Applied to residential properties for school district funding
Local Government Assessment6.25%Applied to all non-residential classifications
Other Classifications6.25%Includes vacant land, commercial, industrial properties

Rates shown are for the 2025 levy year. Actual tax rates vary significantly by location within Garfield County based on your specific school district, municipality, and special taxing districts. Contact the Garfield County Assessor for the exact combination of taxing districts that apply to your property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Garfield 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 Oklahoma are typically triggered by changes in property ownership, new construction, or improvements that increase a property's assessed value mid-tax year. When these events occur, the county assessor calculates additional taxes based on the increased assessed value for the remaining portion of the tax year. For example, if you complete a $50,000 home addition in January and your property is in a residential area with a 7.05% assessment rate, you would owe supplemental taxes on the increased assessed value for the remaining months of that tax year. The supplemental tax bill is calculated by determining the additional assessed value, applying the appropriate tax rate, and prorating it based on the number of months remaining in the tax year.

Example Calculation

$300,000 Property (Residential)

  • Assessed Value: $300,000 × 7.05% = $21,150
  • Less: Homestead Credit (if qualified and applied): Variable
  • Net Taxable Value: ~$21,150 (before credits)
  • Annual Tax: Varies by district combination
  • Monthly Escrow: Annual tax ÷ 12

$600,000 Property (Residential)

  • Assessed Value: $600,000 × 7.05% = $42,300
  • Less: Available Credits (application required): Variable
  • Net Taxable Value: ~$42,300 (before credits)
  • Annual Tax: Varies by district combination
  • Monthly Escrow: Annual tax ÷ 12

$1,000,000 Property (Residential)

  • Assessed Value: $1,000,000 × 7.05% = $70,500
  • Less: Available Credits (application required): Variable
  • Net Taxable Value: ~$70,500 (before credits)
  • Annual Tax: Varies by district combination
  • Monthly Escrow: Annual tax ÷ 12

Note: Actual tax amounts depend on your specific taxing districts. All tax credits require separate applications and are not automatically applied.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Garfield County require property tax escrow accounts, where you pay 1/12 of your estimated annual property tax bill with each monthly mortgage payment. Your lender collects these funds in a separate escrow account and pays your property taxes directly to Garfield County when due. Lenders typically pay the full annual amount by the April 30 deadline to avoid any potential penalties. The escrow account is analyzed annually, and your monthly payment may be adjusted based on actual tax bills and account balance. You can verify that your taxes were paid by checking with the Garfield County Treasurer's office or requesting an escrow analysis from your lender. If you pay your own taxes without escrow, remember that you can make half payments by February 28 and June 15, or pay the full amount by April 30.

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 Garfield County? A: For the current tax year, you can pay half by February 28 and the remaining half by June 15, or pay the full amount by April 30.

Q: What homestead credit is available and how do I apply? A: Homeowners may qualify for a homestead credit that limits annual assessment increases on their primary residence. This is NOT automatic - you must file an application with the County Assessor by March 15. Applications filed after March 15 will take effect the following tax year.

Q: Are there other tax credits available? A: Various tax credits may be available for seniors, disabled veterans, or other qualifying circumstances. Contact the Garfield County Assessor's office to determine eligibility and obtain required application forms. All credits require separate applications.

Q: How often are properties reassessed? A: Contact the Garfield County Assessor's office for the current assessment schedule and procedures in your area.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Garfield County Board of Equalization. Contact the County Assessor's office for appeal deadlines, procedures, and required forms.

Q: What are the penalties for late payment? A: Contact the Garfield County Treasurer's office for current penalty rates and procedures for late payments.

Q: Can I pay my property taxes online? A: Check with the Garfield County Treasurer's office for available online payment options and any associated fees.

Q: Why do tax rates vary within Garfield County? A: Your tax rate depends on the specific combination of school district, municipality, and special taxing districts that serve your property address. Different areas have different combinations of these districts.

Q: What's the difference between assessed value and market value? A: Market value is the estimated sale price of your property, while assessed value is the portion subject to taxation (7.05% for residential, 6.25% for other classifications in Garfield County).

Q: When will I receive my tax bill? A: Tax notices were mailed in 2024 for the 2025 tax year. Contact the County Treasurer if you haven't received your bill.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tax Doc
Property tax information – Assessorgarfieldcountyco.gov
02
Tax Doc
Delay in property tax notice mailinggarfieldcountyco.gov
03
County
Property tax notices mailed in Garfield Countygarfieldcountyco.gov
04
County
Property tax notices mailed to Garfield County homeownersgarfieldcountyco.gov
05
County
Garfield County property tax notices are in the mailgarfieldcountyco.gov
06
A Resource Guide - Oklahoma Digital Prairiedigitalprairie.ok.gov
07
2026-2027 Form 921 Application for Homestead Exemptionoklahoma.gov
08
State
Overview of State Issuesoksenate.gov
09
Oklahoma.gov Homeoklahoma.gov
10
06 28 REET 56166 (PDF)asotincountywa.gov
All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your ScenarioTry Calculator

Free • No credit check • 2-minute estimate