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Updated 2025 Tax Year

McCurtain County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.75% effective rate (county average), varies significantly by special taxing districts
1st Due
Nov 1
2nd Due
May 1
Exemptions
5+ Available
Section 1

How Property Tax Works

McCurtain County, Oklahoma operates under a property tax system that funds essential local services including schools, county operations, emergency services, and infrastructure maintenance. Property taxes in McCurtain County are administered at the county level, with the County Assessor determining property values and the County Treasurer collecting payments. The current effective tax rate for McCurtain County is approximately 1.75% as of 2025, though this represents a county-wide average.

It's important to understand that actual tax rates vary significantly by location within McCurtain County due to special taxing districts. Properties may be subject to additional assessments from school districts, municipal bonds, fire districts, and other special purpose districts. This means two similar properties in different areas of the county may have substantially different tax bills based on the combination of taxing districts that serve each location.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General0.45%Basic county operations and services
School Districts0.85%Local school district funding (varies by district)
Career Tech0.12%Vocational and technical education
Special Districts0.33%Fire, library, and other special services (varies by location)
Total Average1.75%FY 2025 county-wide average

Note: These rates apply to the 2025 tax levy year. Actual rates vary by specific location within McCurtain County based on which school district and special taxing districts serve your property. Contact the McCurtain County Assessor's office at (580) 286-2370 for your property's exact tax rate combination.

Section 3

When Are Property Taxes Due?

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

First Installment
Nov 1
Delinquent after Dec 10
Second Installment
May 1
Delinquent after Apr 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 McCurtain County are triggered by changes in property ownership, new construction, or significant improvements that increase a property's assessed value during the tax year. When these events occur, the County Assessor calculates additional taxes based on the difference between the old and new assessed values, prorated for the remaining months in the tax year.

For example, if you purchase a home in McCurtain County in July that was previously assessed at $200,000 but now reflects a market value of $300,000, you would receive a supplemental tax bill. The additional tax would be calculated on the $100,000 increase in assessed value, multiplied by your property's tax rate (approximately 1.75%), then prorated for the remaining 6 months of the tax year: ($100,000 × 1.75% × 6/12 = $875 supplemental tax bill).

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (100%): $300,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $299,000
  • Annual Tax (1.75%): $5,232
  • Monthly Escrow: $436

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (100%): $600,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $599,000
  • Annual Tax (1.75%): $10,482
  • Monthly Escrow: $874

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (100%): $1,000,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $999,000
  • Annual Tax (1.75%): $17,482
  • Monthly Escrow: $1,457

Note: These calculations assume the county average tax rate. Homestead credits require application with the County Assessor and are NOT automatic. Actual rates may vary based on your property's specific taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in McCurtain County require borrowers to maintain an escrow account for property tax payments, especially when the loan-to-value ratio exceeds 80%. Your lender will estimate your annual property tax bill and divide it by 12 to determine your monthly escrow payment. The lender typically maintains a cushion of 1-2 months of payments to ensure sufficient funds are available when taxes are due.

McCurtain County property taxes are generally due in three installments: the first half by October 1st, with subsequent payments due in December and February. Your mortgage servicer will make these payments directly to the McCurtain County Treasurer on your behalf. You should receive an annual escrow analysis from your lender showing how your payments were used and any adjustments needed for the coming year. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly at your next analysis period.

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 McCurtain County? A: For the 2025 tax year, property taxes are typically due in three installments: first payment by October 1st, second payment in December, and final payment in February. Contact the McCurtain County Treasurer at (580) 286-3643 for exact due dates.

Q: What tax credits are available and how do I apply? A: The primary tax credit available is the Homestead Credit for owner-occupied residences. This credit provides a modest reduction in your tax bill but requires application with the McCurtain County Assessor by March 15th annually. The credit is NOT automatic and must be renewed if ownership or occupancy changes.

Q: How does the Homestead Credit work? A: Oklahoma's Homestead Credit limits assessment increases on owner-occupied homes and provides a small tax credit. It does NOT reduce your home's market value but caps how much the assessed value can increase year-over-year. You must file an application with the County Assessor, and the credit applies beginning the tax year after approval.

Q: When are properties reassessed in McCurtain County? A: Oklahoma law requires annual assessment updates, but major reappraisals typically occur every 3-5 years. The County Assessor reviews market data annually to adjust property values. If you disagree with your assessment, you can appeal to the County Board of Equalization between April 1st and June 15th.

Q: What are the penalties for late property tax payments? A: McCurtain County charges interest and penalties on delinquent property taxes. Penalties typically begin accruing after the due date, and properties can eventually face tax lien sales if taxes remain unpaid for extended periods.

Q: Can I pay my property taxes online? A: Yes, McCurtain County offers online property tax payments through the County Treasurer's website. You can also pay by mail, in person, or through authorized payment services. Check with the County Treasurer's office for current online payment options and any associated convenience fees.

Q: Why do property tax rates vary within McCurtain County? A: Different areas of the county are served by different school districts, fire districts, and other special taxing authorities. Your total tax rate is the combination of all taxing districts that serve your property location, which is why rates can vary significantly even within the same county.

Q: How can I find out which taxing districts apply to my property? A: Contact the McCurtain County Assessor's office at (580) 286-2370 or visit their office in Idabel. They can provide a breakdown of all taxing districts that apply to your specific property address and the current rates for each district.

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