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Updated 2025 Tax Year

Harmon County
Property Tax Guide

Everything you need to know about property taxes in Harmon 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 - base rate plus school district and municipal levies applicable to property location
1st Due
Nov 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Harmon County, Oklahoma operates under the state's property tax system, where taxes are levied each October and due by November 1 of the following year. Property taxes in Harmon County fund essential local services including schools, county operations, emergency services, and infrastructure maintenance. The county follows Oklahoma's standard assessment practices, with property typically assessed at approximately 11-13.5% of fair market value depending on property type.

Property tax rates in Harmon County vary significantly by location within the county due to special taxing districts such as school districts, municipal services, and local improvement districts. Each property's total tax rate is the sum of all applicable district levies that serve that specific location. Oklahoma's base property tax environment averages around 1% statewide, but actual effective rates in Harmon County depend on your property's assessed value and the combination of taxing districts that apply to your specific address.

Harmon County voters have historically approved additional levies for local services, including an additional one-cent levy that provides funding for county operations. Property owners should verify their specific tax districts and applicable rates through the Harmon County Assessor's office, as rates can change annually based on budget requirements and voter-approved measures.

Section 2

What Makes Up Your Tax Bill

Note: Current specific tax rates for Harmon County for FY 2025-2026 are not available in public records. Contact the Harmon County Assessor for current levy rates.

ComponentEstimated Rate RangeDescription
County General0.10% - 0.15%Basic county operations, roads, courthouse
School District0.30% - 0.45%Local school district operations (varies by district)
Career Technology0.05% - 0.08%Vocational education services
Municipal Services0.08% - 0.12%City services (if within city limits)
Special Districts0.02% - 0.10%Fire districts, library districts, other local services
Voter-Approved Levies0.01% - 0.05%Additional county services, bonds

Total Estimated Range: 0.56% - 0.95% (varies significantly by location and applicable districts)

These rates apply to the assessed value of your property, not the market value. Rates are set annually during the budget process and can vary based on school district boundaries, municipal limits, and special service districts that serve your property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Harmon County, property taxes are due in two installments:

First Installment
Nov 1
Delinquent after Dec 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 Harmon County are additional property tax assessments that occur when there are changes in property ownership, value, or use during the tax year. The most common triggers include the sale of property, completion of new construction, additions or major improvements, and changes in property classification or exemption status.

When a supplemental tax is triggered, the County Assessor calculates the difference between the old assessment and the new assessment, then applies the current tax rate to determine the additional tax owed. This supplemental bill covers the period from when the change occurred through the end of the current tax year.

For example, if you purchase a home in Harmon County in March and the previous owner had a homestead exemption that you don't qualify for, you may receive a supplemental tax bill for the difference in assessed value from March through the following October. Similarly, if you complete a home addition worth $50,000, you'll receive a supplemental bill based on the increased assessed value for the remaining months of the tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (12%): $36,000
  • Homestead Credit Applied: -$1,000 (requires application)
  • Net Taxable Value: $35,000
  • Tax Rate (estimated): 0.75%
  • Annual Tax: $262.50
  • Monthly (if escrowed): $21.88

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (12%): $72,000
  • Homestead Credit Applied: -$1,000 (requires application)
  • Senior Credit Applied: -$200 (if qualified, requires application)
  • Net Taxable Value: $70,800
  • Tax Rate (estimated): 0.75%
  • Annual Tax: $531.00
  • Monthly (if escrowed): $44.25

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (12%): $120,000
  • Homestead Credit Applied: -$1,000 (requires application)
  • Net Taxable Value: $119,000
  • Tax Rate (estimated): 0.75%
  • Annual Tax: $892.50
  • Monthly (if escrowed): $74.38

Note: All credits shown require annual application and approval. Actual rates vary by location within Harmon County based on applicable taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Harmon County require property tax escrow accounts for loans with less than 20% down payment. Your lender collects monthly escrow payments along with your mortgage payment, depositing these funds into a separate escrow account to pay your annual property tax bill when due on November 1st.

Lenders typically estimate your annual property tax based on the previous year's assessment and add a cushion for potential increases. They're required to provide an annual escrow analysis showing how your payments were used and any adjustments needed for the coming year. If property taxes increase significantly, your monthly escrow payment will be adjusted accordingly.

You can verify that your lender has paid your property taxes correctly by checking with the Harmon County Treasurer's office or reviewing your annual tax statement. If you pay off your mortgage or refinance, ensure the escrow account closure coincides with transferring tax payment responsibility. Property owners without escrow accounts are responsible for making the full payment directly to the county by the November 1st deadline to avoid penalties and interest charges.

How HonestCasa Helps
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Harmon County for the current fiscal year? A: Property taxes are levied each October and due by November 1st of the following year. For FY 2025-2026, taxes will be due November 1, 2025.

Q: What tax credits are available and do they require application? A: Oklahoma offers several tax credits that require annual application, including homestead credits for primary residences, senior citizen credits for those 65+, disabled veteran credits, and agricultural use credits. None of these are automatic - you must apply through the County Assessor's office.

Q: How does the homestead credit work? A: The homestead credit limits annual assessment increases on your primary residence and may provide a small reduction in assessed value. This credit caps how much your assessment can increase each year, protecting you from dramatic tax increases. You must file an application with the County Assessor to receive this benefit.

Q: When are properties reassessed? A: Oklahoma conducts property revaluations on a cyclical basis, typically every 4-6 years depending on the county. Between revaluations, assessments may be adjusted for market changes, improvements, or other factors affecting property value.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Harmon County Board of Equalization during the appeal period, typically in March-April following the assessment. You'll need evidence of your property's actual market value, such as recent appraisals or comparable sales.

Q: What are the penalties for late payment? A: Late payments incur interest and penalties as specified by Oklahoma law. Contact the Harmon County Treasurer for current penalty rates and payment options if you've missed the November 1st deadline.

Q: Can I pay my property taxes online? A: Contact the Harmon County Treasurer's office to verify current online payment options and accepted payment methods for property taxes.

Q: Why do tax rates vary within Harmon County? A: Your total tax rate includes levies from all taxing districts that serve your property - county, school district, municipalities, fire districts, and other special districts. Properties in different areas have different combinations of these districts, resulting in varying total tax rates.

Q: What happens if the county sells property for delinquent taxes? A: Properties with delinquent ad valorem taxes for three years may be subject to tax sale proceedings, with proceeds used to satisfy the unpaid tax obligations.

Q: How do I find out which taxing districts apply to my property? A: Contact the Harmon County Assessor's office with your property address or parcel number to determine which school district, municipal boundaries, and special districts serve your property and contribute to your total tax rate.

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
Sales Tax News Release January 2026 - Oklahoma.govoklahoma.gov
02
Oklahoma - Local standards: Housing and utilitiesirs.gov
03
2025 Adopted Budgetnewtools.cira.state.tx.us
04
County
HARMON COUNTY - OK State Auditorsai.ok.gov
05
State
Untitled - Oklahoma State Auditor & Inspectorsai.ok.gov
06
Oklahoma FSA News - Farm Service Agencyfsa.usda.gov
07
State
Overview of State Issuesoksenate.gov
08
august-2020-990-index.csvirs.gov
09
CONSERVATION DISTRICT HANDBOOKconservation.ok.gov
10
november-2019-990-index.csvirs.gov
All sources verified as of 2025 Tax Year

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