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Updated 2025 Tax Year

McClain County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.5% base rate, varies significantly by district with additional levies for schools, fire, library districts
Exemptions
5+ Available
Section 1

How Property Tax Works

McClain County operates on a property tax system that serves as the primary funding mechanism for essential local services including schools, county government operations, emergency services, and infrastructure maintenance. Property taxes in McClain County are based on assessed values determined by the County Assessor, with the current base tax rate of approximately 0.5% (0.005) of assessed value for the 2025 levy year.

The effective tax rate varies significantly depending on your property's location within McClain County due to special taxing districts such as school districts, fire districts, library districts, and municipal improvement districts. These additional levies can increase the total effective rate, making it essential for property owners to understand their specific district assignments. Properties are reassessed periodically, and tax bills are typically due December 10th annually, though payment can be made in two equal installments if preferred.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1 assessed value)Description
County General~0.003County operations, roads, sheriff
School DistrictsVaries by districtLocal school funding, varies significantly
Career Tech~0.001Vocational education programs
Fire DistrictsVaries by districtRural fire protection services
Library DistrictsVaries by districtPublic library systems
Municipal BondsVaries by districtInfrastructure improvements
Base Combined Rate~0.005Minimum rate before special districts

Note: These rates apply to the 2025 levy year. Actual rates vary by location within McClain County based on which special taxing districts serve your property. Contact the County Assessor at (405) 527-3117 for your specific district combination and exact rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in McClain 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 McClain County are additional tax bills issued when property undergoes changes that affect its assessed value during the tax year. Common triggers include new construction, major improvements, ownership transfers, or corrections to assessments discovered after the original tax roll was prepared.

When supplemental taxes are assessed, they are calculated on a pro-rated basis from the date the change occurred through the end of the tax year. For example, if you complete a $50,000 home addition in July, you would receive a supplemental bill for the additional taxes on that improvement from July through the following June. The supplemental tax uses the same rate structure as your regular property tax but applies only to the value increase, ensuring you pay the appropriate amount for the full year of enhanced property value.

Example Calculation

Example 1: $300,000 Home Value

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $299,000
  • Annual Tax ($299,000 × 0.005): $1,495
  • Monthly Payment: $125

Example 2: $600,000 Home Value

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applied): -$1,000
  • Less: Senior Citizen Credit (if qualified and applied): -$200
  • Net Taxable Value: $598,800
  • Annual Tax ($598,800 × 0.005): $2,994
  • Monthly Payment: $249

Example 3: $1,000,000 Home Value

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $999,000
  • Annual Tax ($999,000 × 0.005): $4,995
  • Monthly Payment: $416

Note: Tax credits shown require application and approval. Actual rates may be higher due to special district taxes in your area.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in McClain County require borrowers to maintain an escrow account for property tax payments, collecting monthly amounts as part of your mortgage payment. Lenders typically collect 1/12th of your estimated annual property tax bill each month, plus a cushion amount allowed by federal law. Your lender will pay the McClain County Treasurer directly when taxes become due on December 10th.

Lenders must provide annual escrow statements showing all deposits, payments, and account balances, and they may adjust your monthly escrow payment based on actual tax amounts paid and projected changes. If you pay your own property taxes, ensure payments reach the McClain County Treasurer by the December 10th deadline to avoid penalties. The County Treasurer's office can verify whether your lender has made current payments and provide payoff amounts if you're refinancing or selling your property.

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 McClain County property taxes due for 2025? A: Property taxes are due December 10, 2025. You can pay in full by this date or make two equal installments if preferred.

Q: What tax credits are available and how do I apply? A: Available credits include Homestead Credit (requires application by March 15), Senior Citizen Credit for those 65+, and Disabled Veteran Credit. All require applications filed with the County Assessor - none are automatic.

Q: How does the Homestead Credit work? A: The Homestead Credit limits annual assessment increases on your primary residence and provides a small credit against taxes. You must file an application with the County Assessor by March 15 to qualify beginning the following tax year.

Q: How often are properties reassessed in McClain County? A: Oklahoma law requires counties to conduct reappraisals at least every four years, though market changes may trigger more frequent updates to maintain assessment accuracy.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Properties with delinquent taxes may eventually be subject to tax sale proceedings.

Q: Can I pay my property taxes online? A: Contact the McClain County Treasurer's office at (405) 527-3224 to inquire about online payment options and accepted payment methods.

Q: How do I appeal my property assessment? A: File an appeal with the McClain County Board of Equalization during the appeal period, typically in March-April. Contact the County Assessor's office for specific deadlines and procedures.

Q: Why do special district taxes vary across the county? A: Different areas are served by different combinations of school districts, fire districts, and other special taxing entities, each with their own voter-approved tax rates for specific services.

Q: Where can I find my property's legal description and tax history? A: Contact the McClain County Assessor's office at (405) 527-3117 or visit their office for detailed property records and historical tax information.

Q: What if I disagree with supplemental tax charges? A: You can appeal supplemental assessments following the same process as regular assessments. Contact the County Assessor within the appeal deadline to dispute the valuation or timing of changes.

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