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Updated 2025 Tax Year

Garvin County
Property Tax Guide

Everything you need to know about property taxes in Garvin 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
Varies by district - typically 1% base rate plus local district millages
Exemptions
4+ Available
Section 1

How Property Tax Works

Garvin County, Oklahoma operates under a property tax system that funds essential local services including schools, county operations, fire protection, and various special districts. Property taxes are collected by the County Treasurer and distributed to the appropriate taxing entities based on where your property is located within the county. The county serves approximately 28,400 residents across various municipalities and rural areas.

Property tax rates in Garvin County vary significantly depending on your specific location due to the overlay of different special taxing districts such as school districts, fire districts, and municipal services. While Oklahoma maintains a baseline assessment approach, your actual tax burden depends on which combination of local taxing authorities serve your property. The County Assessor determines assessed values, while individual taxing entities set their levy rates annually to fund their operations.

Section 2

What Makes Up Your Tax Bill

Current tax rate information for Garvin County is determined annually by each taxing jurisdiction. Due to the multiple special districts operating within the county, rates vary by location:

ComponentRate RangeDescription
County GeneralVariesBasic county services and operations
School DistrictsVariesLocal school district operations and bonds
Career TechVariesVocational and technical education
Fire DistrictsVariesFire protection services (where applicable)
MunicipalVariesCity services (for properties within city limits)
Special AssessmentsVariesDrainage, rural water, other special districts

Note: Specific current rates should be verified with the Garvin County Assessor's Office as they vary by the exact location of your property and which taxing districts serve that area. Tax rates are expressed in mills (per $1,000 of assessed value).

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Garvin 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 Garvin County are additional tax assessments that occur when there are changes to property ownership, improvements, or corrections to the original assessment during the tax year. The County Assessor is required to maintain permanent records of all taxable real property and may issue supplemental assessments when property values change due to new construction, major improvements, or assessment corrections.

When a supplemental assessment is issued, it covers the period from when the change occurred through the end of the current tax year. For example, if you complete a home addition in March, you would receive a supplemental tax bill covering the increased assessment from March through the following February (the end of the tax year). The supplemental amount is calculated by applying the current tax rate to the difference between the old and new assessed values, prorated for the remaining months in the tax year.

Example Calculation

The following examples show estimated annual property tax calculations for different home values in Garvin County. Note: Actual rates vary by location within the county due to different special taxing districts.

$300,000 Home:

  • Assessed Value: $300,000 (at 11.5% of market value = $34,500)
  • Less: Homestead Exemption: $1,000
  • Net Taxable Value: $33,500
  • Estimated Tax Rate: 120 mills
  • Annual Tax: $4,020
  • Monthly Escrow: $335

$600,000 Home:

  • Assessed Value: $600,000 (at 11.5% of market value = $69,000)
  • Less: Homestead Exemption: $1,000
  • Net Taxable Value: $68,000
  • Estimated Tax Rate: 120 mills
  • Annual Tax: $8,160
  • Monthly Escrow: $680

$1,000,000 Home:

  • Assessed Value: $1,000,000 (at 11.5% of market value = $115,000)
  • Less: Homestead Exemption: $1,000
  • Net Taxable Value: $114,000
  • Estimated Tax Rate: 120 mills
  • Annual Tax: $13,680
  • Monthly Escrow: $1,140

These are estimates only. Contact the Garvin County Assessor for current tax rates in your specific area.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Garvin County require borrowers to maintain an escrow account for property tax payments. Your lender collects approximately 1/12 of your estimated annual property tax bill with each monthly mortgage payment. The lender then pays your property taxes directly to the Garvin County Treasurer when the installments are due.

Property taxes in Garvin County are typically paid in two installments: the first installment is due by September 15, and the second installment is due by December 15. Your lender will receive the tax bills and make these payments on your behalf. Each year, your lender conducts an escrow analysis to ensure adequate funds are being collected, and may adjust your monthly payment up or down based on actual tax bills and account balances. You should receive an annual escrow statement showing all deposits and payments made from your account.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Garvin County? A: Property taxes are due in two installments: first installment by September 15 and second installment by December 15 each year.

Q: What homestead exemptions are available and do I need to apply? A: Oklahoma offers a homestead exemption that must be applied for with the County Assessor. Applications filed by March 15 take effect for the current tax year; applications filed after March 15 take effect the following tax year. This is not automatic and requires application.

Q: Does the homestead exemption reduce my home's market value? A: No, the homestead exemption provides tax relief by exempting a portion of your assessed value from taxation and may include valuation limitations that cap assessment increases. It does not reduce your property's actual market value.

Q: How often are properties reassessed in Garvin County? A: The County Assessor reappraises property values periodically. Contact the Assessor's office for current reappraisal schedules and to understand how your property's assessed value is determined.

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

Q: What happens if I pay my property taxes late? A: Late payments are subject to penalties and interest. The County Treasurer is authorized to impose tax liens on real property for delinquent taxes and issue warrants for collection.

Q: Can I pay my property taxes online? A: Contact the Garvin County Treasurer's office to inquire about online payment options and accepted payment methods.

Q: Why do property tax rates vary within Garvin County? A: Tax rates vary based on which special taxing districts serve your property, such as school districts, fire districts, and municipal boundaries. Each district sets its own levy rate annually.

Q: Are there additional exemptions for seniors or disabled persons? A: Oklahoma may offer additional property tax relief programs for qualifying seniors or disabled persons. Contact the Garvin County Assessor to learn about available programs and application requirements.

Q: What records does the County Assessor maintain? A: The County Assessor is required to build and maintain permanent records of both taxable real property and tax-exempt real property within the county, and computes the ad valorem taxes due on all taxable property.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
Garvin County Data & Information Economic Health Education ...digitalprairie.ok.gov
02
Tax Doc
Sales Tax News Release January 2026 - Oklahoma.govoklahoma.gov
03
oklahoma - fast factsoksenate.gov
04
County
Garvin County - Oklahoma Digital Prairiedigitalprairie.ok.gov
05
2026-2027 Form 921 Application for Homestead Exemptionoklahoma.gov
06
Nitro Petroleum Incorporatedsec.gov
07
2026 Form 994 Application for Property Valuation Limitation ...oklahoma.gov
08
State
Overview of State Issuesoksenate.gov
09
County
garvin county, oklahoma special-purpose financial statements and ...sai.ok.gov
10
Real PRoPeRty asset RePoRt - 2025 - Oklahoma.govoklahoma.gov
All sources verified as of 2025 Tax Year

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