HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Love County
Property Tax Guide

Everything you need to know about property taxes in Love 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
2.5% effective rate (varies by special taxing districts within county)
Exemptions
5+ Available
Section 1

How Property Tax Works

Love County, Oklahoma operates on a property tax system that serves as the primary funding mechanism for essential local services including public schools, county operations, emergency services, and infrastructure maintenance. Property taxes in Love County are assessed annually and collected to support both county-wide services and local special taxing districts such as school districts, fire departments, and municipal services.

The effective property tax rate in Love County is 2.5% (0.025) for the 2025 tax year, though actual rates can vary significantly depending on your specific location within the county due to overlapping special taxing districts. Properties are assessed at fair market value without a statewide assessment cap, and property owners may be eligible for various tax credits that require separate applications. The county follows Oklahoma's standard assessment and collection procedures, with tax bills typically issued in late fall and payment options available through multiple installments.

It's important to note that your actual property tax burden will depend on your property's assessed value, applicable special district levies in your area, and any tax credits for which you qualify and have applied. Special taxing districts within Love County may include school bonds, fire districts, and other local improvement districts that can add to the base county rate.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Base County Levy2.5% (0.025)Primary county operations, services, and administration
School District LeviesVaries by districtLocal school district operations and bond payments
Fire District LeviesVaries by districtFire protection and emergency services
Special Assessment DistrictsVaries by locationLocal improvements, drainage, road maintenance

Levy Year: These rates apply to the 2025 tax year (collected in 2025-2026).

Important Note: The 2.5% rate represents the base Love County rate, but your total effective rate will likely be higher due to additional special taxing district assessments. School district levies, fire protection districts, and other local improvement districts add their own assessments to the base county rate. Property owners should contact the Love County Assessor's office to determine the exact combined rate for their specific property location, as rates can vary significantly between different areas of the county depending on which special districts serve that location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Love 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 property taxes in Love County are additional tax assessments that occur when there are changes to property ownership, value, or use during the tax year. The most common triggers for supplemental taxes include the sale of property to a new owner, completion of new construction or major improvements, and changes in property classification or use.

When a supplemental tax is triggered, the Love County Assessor's office calculates the difference between the previous assessment and the new assessed value, then applies the appropriate tax rate to determine the additional tax owed. This supplemental amount is prorated based on the number of months remaining in the tax year when the change occurred.

Example: If you purchase a home in Love County in July that was previously assessed at $200,000 but now has a market value of $350,000, a supplemental tax would be calculated on the $150,000 difference. With a 2.5% base rate, this would result in $3,750 in additional annual tax, prorated for the remaining months of the tax year (approximately $1,875 for the July-December period). You would receive a separate supplemental tax bill in addition to any regular annual property tax bills.

Example Calculation

Example 1: $300,000 Property Value

  • Assessed Value: $300,000 (at fair market value)
  • Available Tax Credits: Homestead Credit (requires application) - assume $1,000 credit
  • Net Taxable Value: $300,000 (credits reduce tax bill, not assessed value)
  • Tax Rate: 2.5% base county rate
  • Annual Tax Before Credits: $7,500
  • Annual Tax After Credits: $6,500
  • Monthly Amount: $542

Example 2: $600,000 Property Value

  • Assessed Value: $600,000 (at fair market value)
  • Available Tax Credits: Homestead Credit - assume $1,000 credit
  • Net Taxable Value: $600,000
  • Tax Rate: 2.5% base county rate
  • Annual Tax Before Credits: $15,000
  • Annual Tax After Credits: $14,000
  • Monthly Amount: $1,167

Example 3: $1,000,000 Property Value

  • Assessed Value: $1,000,000 (at fair market value)
  • Available Tax Credits: Homestead Credit - assume $1,000 credit
  • Net Taxable Value: $1,000,000
  • Tax Rate: 2.5% base county rate
  • Annual Tax Before Credits: $25,000
  • Annual Tax After Credits: $24,000
  • Monthly Amount: $2,000

Important Notes: These calculations use only the base county rate of 2.5%. Your actual tax bill will likely be higher due to additional school district, fire district, and other special taxing district assessments. All tax credits shown require separate applications and are not automatic. Contact the Love County Assessor's office to determine total effective rates for your specific location.

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 Love County require borrowers to maintain an escrow account for property tax payments, especially for loans with less than 20% down payment. Your lender will collect monthly escrow payments as part of your mortgage payment, typically calculated by dividing your estimated annual property tax bill by 12 months, plus a small cushion for potential increases.

Property tax payments in Love County are due in two installments: the first installment by March 31st and the second installment by October 31st. Lenders typically make these payments on your behalf directly to the Love County Treasurer's office. Your lender will provide you with annual escrow statements showing the taxes paid and any adjustments needed to your monthly escrow amount.

It's important to review your annual escrow analysis statement and verify that your lender is paying the correct amount. If your property taxes increase due to assessment changes or new special district levies, your monthly escrow payment may need to be adjusted. You can verify payments were made correctly by checking with the Love County Treasurer's office or reviewing your property tax records online. If you pay your own property taxes (no escrow), make sure to budget for both installment due dates to avoid late payment penalties.

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 Love County property taxes due for the 2025 tax year? A: Property taxes are due in two installments: the first installment by March 31, 2026, and the second installment by October 31, 2026.

Q: What tax credits are available for homeowners in Love County? A: Love County offers homestead tax credits for qualifying property owners. These credits require a separate application filed with the County Assessor's office. The homestead credit primarily caps annual assessment increases rather than reducing market value, and applications must be filed by March 15th to take effect for the current tax year.

Q: How does the homestead credit work? A: The homestead credit limits how much your property's assessed value can increase annually, rather than reducing the actual market value. You must apply for this credit - it is not automatic. Applications filed after March 15th will take effect the following tax year.

Q: Are tax credits automatic, or do I need to apply? A: Most tax credits in Love County require separate applications. They are NOT automatic. Contact the Love County Assessor's office to determine which credits you may qualify for and to obtain application forms.

Q: How often are properties reassessed in Love County? A: Properties in Love County are subject to annual assessment. The County Assessor reviews market values yearly, and property owners who disagree with their assessment can appeal through the County Board of Equalization.

Q: What happens if I pay my property taxes late? A: Late payments are subject to penalties and interest charges. Contact the Love County Treasurer's office for specific penalty rates and payment options if you've missed the installment due dates.

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

Q: How do special district taxes affect my bill? A: The 2.5% base county rate is only part of your total property tax bill. School districts, fire districts, and other special taxing districts within Love County add their own assessments. Your total effective rate depends on which special districts serve your property location.

Q: What if I disagree with my property assessment? A: You can appeal your assessment to the Love County Board of Equalization. Contact the County Assessor's office for appeal deadlines and required documentation to challenge your property's assessed value.

Q: Do I need to reapply for tax credits every year? A: Most tax credits, once approved, remain in effect as long as you continue to qualify and the property use doesn't change. However, the County Assessor may require periodic verification or reapplication. Check with the Assessor's office about renewal requirements for your specific credits.

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
State
JENKINS Be KEMPER - OK State Auditorsai.ok.gov
03
Tax Doc
Property Tax Information - CTOapp.lincoln.ne.gov
04
County
LOVE COUNTY - OK State Auditorsai.ok.gov
05
County
Orange County Florida Tax Collector Office | Scott Randolphorlando.gov
06
Tax Doc
Property Tax Deadline is April 10main.sbcounty.gov
07
2026-2027 Form 921 Application for Homestead Exemptionoklahoma.gov
08
State
Overview of State Issuesoksenate.gov
09
2024 Session in Review - Oklahoma House of Representativesformer.okhouse.gov
10
County
LOVE COUNTY - Oklahoma Digital Prairiedigitalprairie.ok.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