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Updated 2025 Tax Year

McIntosh County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.8-1.2% effective rate (0.02% base county rate plus school and special districts)
1st Due
Nov 1
2nd Due
Jan 1
Exemptions
4+ Available
Section 1

How Property Tax Works

McIntosh County's property tax system is the primary funding mechanism for essential local services including schools, roads, emergency services, and county operations. Property owners pay taxes based on their property's assessed value multiplied by the applicable tax rate, which varies significantly by location within the county due to overlapping special taxing districts such as school districts, fire districts, and municipal service areas.

The effective property tax rate in McIntosh County for 2025 is approximately 0.02% based on assessed value, though this represents just the base county rate. When combined with school districts, fire districts, and other local assessments, total effective rates typically range from 0.8% to 1.2% of assessed value depending on your specific location. Property assessments in Oklahoma are conducted at least once every four years, with taxes levied each October 1 based on January 1 assessments of the same year.

Your actual tax burden will depend on which special taxing districts serve your property location, available tax credits you may qualify for and apply for, and your property's assessed value as determined by the McIntosh County Assessor's office.

Section 2

What Makes Up Your Tax Bill

The following rates apply to the 2025 tax levy year in McIntosh County:

ComponentRateDescription
County General0.02%Basic county operations and services
School DistrictsVariesLocal school district funding (rates vary by district)
Municipal DistrictsVariesCity services where applicable
Fire DistrictsVariesFire protection and emergency services
Special AssessmentsVariesDebt service, infrastructure improvements

Important Note: The total effective rate varies significantly by location within McIntosh County depending on which school district, fire district, and other special taxing districts serve your property. Properties may be subject to additional voted bond issues and special assessments. Contact the McIntosh County Assessor's office at the courthouse for your specific location's complete tax rate breakdown.

The rates shown are for the current tax year and are subject to annual adjustment based on budget requirements and voter-approved measures.

Section 3

When Are Property Taxes Due?

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

First Installment
Nov 1
Delinquent after Dec 10
Second Installment
Jan 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 McIntosh County are additional property tax assessments that occur when there are changes to property ownership, value, or use outside the regular annual assessment cycle. Common triggers include new construction completion, property improvements that increase value, ownership transfers that remove previous tax credits, or corrections to assessment errors.

When supplemental taxes are levied, they are calculated based on the difference between the old and new assessed values, multiplied by the applicable tax rate for the remaining portion of the tax year. For example, if you complete a $100,000 home addition in March that increases your assessed value by $80,000, you would owe supplemental taxes on that $80,000 increase for the remaining 9 months of the tax year.

Supplemental tax bills are typically issued within 30-60 days after the triggering event is recorded and become due immediately upon issuance. Property owners should budget for potential supplemental taxes when making improvements or purchasing property, as these represent real additional tax obligations beyond the regular annual bill.

Example Calculation

The following examples show estimated annual property taxes for different home values in McIntosh County, assuming a combined effective rate of 1.0% (actual rates vary by location):

$300,000 Home:

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applied for): -$1,000
  • Net Taxable Value: $299,000
  • Annual Tax (@ 1.0%): $2,990
  • Monthly (if escrowed): $249

$600,000 Home:

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applied for): -$1,000
  • Net Taxable Value: $599,000
  • Annual Tax (@ 1.0%): $5,990
  • Monthly (if escrowed): $499

$1,000,000 Home:

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applied for): -$1,000
  • Less: Senior Credit (if qualified and applied): -$500
  • Net Taxable Value: $998,500
  • Annual Tax (@ 1.0%): $9,985
  • Monthly (if escrowed): $832

Note: All tax credits require separate applications and qualification. Homestead credits also limit future assessment increases. Contact the County Assessor for current credit amounts and eligibility requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in McIntosh County require property tax escrow accounts, where you pay 1/12 of your estimated annual property tax bill with each monthly mortgage payment. The lender holds these funds in escrow and pays your property taxes directly to the county when due on November 1st each year.

Your lender will conduct an annual escrow analysis to ensure adequate funds are collected, typically adjusting your monthly payment up or down based on actual tax bills and account balances. Since McIntosh County property taxes are due November 1st following the levy date, lenders usually begin receiving tax bills in October and must pay by the November deadline to avoid penalties.

It's important to verify that your lender pays your taxes correctly and on time, as you remain ultimately responsible for payment even when using escrow. Review your annual escrow statements and contact your lender immediately if you notice any discrepancies. If you pay taxes directly without escrow, remember that while taxes may be paid in two equal installments, the full amount becomes due November 1st with late penalties applying after that date.

How HonestCasa Helps
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Section 6

Frequently Asked Questions

Q: When are property taxes due in McIntosh County? A: Property taxes are due November 1st following the levy date. For the current 2025 tax year, taxes will be due November 1, 2026. Taxes may be paid in two equal installments if desired.

Q: What tax credits are available and how do I apply? A: Common tax credits include the Homestead Credit for primary residences and Senior Credits for taxpayers 65+. All credits require separate applications filed with the County Assessor's office. Applications must be filed by March 15th to take effect for the current tax year, or they will apply to the following year.

Q: How does the Homestead Credit work? A: The Homestead Credit provides both a dollar credit against your tax bill AND limits future assessment increases on your primary residence. You must apply with the County Assessor by March 15th. If you file after March 15th, the credit begins the following tax year.

Q: How often are properties reassessed? A: Oklahoma law requires properties to be reassessed at least once every four years, though McIntosh County may conduct assessments more frequently based on market conditions and available resources.

Q: How do I appeal my property assessment? A: Contact the McIntosh County Assessor's office first to discuss your concerns. Formal appeals must be filed by specific deadlines after receiving your assessment notice. The Assessor's office can provide current appeal procedures and forms.

Q: What are the penalties for late payment? A: Late penalties apply to taxes not paid by November 1st. Contact the County Treasurer's office for current penalty rates and procedures, as penalties can compound over time.

Q: Can I pay my property taxes online? A: Check with the McIntosh County Treasurer's office for current online payment options and accepted methods. Many Oklahoma counties now offer online payment systems.

Q: Why did my taxes increase when property values in my area declined? A: Tax rates can increase even when property values decline if local government budgets require higher revenue. Additionally, different special taxing districts may have varying rate changes that affect your total bill.

Q: What happens if I don't receive a tax bill? A: Property owners are responsible for paying taxes whether or not they receive a bill. Contact the County Treasurer's office immediately if you don't receive your annual tax statement by October.

Q: How do special district taxes work? A: Your property may be located within multiple special taxing districts (school, fire, municipal, etc.), each with separate rates. The total of all applicable district rates determines your overall tax rate, which is why rates vary significantly by location within the county.

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