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Updated 2025 Tax Year

Noble County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 1.5% effective rate (varies by district and taxing authorities)
1st Due
Oct 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Noble County, Oklahoma operates on an ad valorem property tax system that funds essential local services including schools, county government operations, fire protection, and various special districts. Property taxes in Noble County are levied annually on October 1st and represent the primary revenue source for local government services and public education within the county.

The effective tax rate in Noble County is approximately 1.5% of assessed value, though actual rates vary significantly by location within the county due to different combinations of special taxing districts, school districts, and municipal boundaries. Property owners should expect their specific tax rate to differ based on their exact location and the overlay of various taxing authorities that serve their area. Assessment is based on fair cash value as determined by the Noble County Assessor, with taxes calculated on 11-12% of market value for residential properties.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General Fund~0.3%Basic county services and operations
School District~0.8-1.0%Local school district operations and debt service
County Special~0.25%Voter-approved permanent levy for county services
Career Tech~0.1-0.2%Vocational and technical education
Municipal (if applicable)VariesCity services for incorporated areas
Special DistrictsVariesFire, rural water, library districts as applicable

Total Estimated Rate: ~1.5% (FY 2025-2026)

Note: Actual rates vary significantly by location within Noble County based on which school district, municipality, and special districts serve each property. The permanent quarter-percent county levy was approved by voters and remains in effect.

Section 3

When Are Property Taxes Due?

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

First Installment
Oct 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 Noble County are additional property tax assessments that occur when there are changes to property ownership, value, or use between regular assessment periods. Common triggers include new construction completion, major improvements, subdivision of property, or corrections to previous assessments.

Supplemental taxes are calculated by applying the current tax rate to the change in assessed value, prorated for the portion of the tax year remaining. For example, if a $100,000 home addition is completed in January and assessed at $11,000 (11% assessment ratio), the supplemental tax would be approximately $165 ($11,000 × 1.5% rate) for the remaining tax year. These supplemental bills are issued separately from regular tax bills and have their own due dates, typically 30 days from the bill date.

Example Calculation

$300,000 Home:

  • Market Value: $300,000
  • Assessed Value (11%): $33,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $32,000
  • Annual Tax (1.5% rate): $480
  • Monthly Escrow: $40

$600,000 Home:

  • Market Value: $600,000
  • Assessed Value (11%): $66,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $65,000
  • Annual Tax (1.5% rate): $975
  • Monthly Escrow: $81

$1,000,000 Home:

  • Market Value: $1,000,000
  • Assessed Value (11%): $110,000
  • Less: Homestead Credit (if applied): -$1,000
  • Net Taxable Value: $109,000
  • Annual Tax (1.5% rate): $1,635
  • Monthly Escrow: $136

Note: Homestead credit amounts are estimated and require annual application. Actual tax rates vary by specific location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Noble County require borrowers to maintain an escrow account for property tax payments, particularly for loans with less than 20% down payment. Lenders collect monthly escrow payments along with principal and interest, then pay property taxes directly to the county when due.

Property tax payments are due November 1st but may be split into two equal installments, with the first half typically due in May. Lenders usually pay the full annual amount in November unless the borrower specifically requests installment payments. Property owners should verify their tax bills match escrow analysis statements and contact their lender immediately if discrepancies occur. When refinancing or paying off loans, ensure the escrow balance covers upcoming tax payments to avoid 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 property taxes due in Noble County for FY 2025-2026? A: Property taxes are due November 1st following the levy date, though they may be paid in two equal installments with the first half typically due in May.

Q: What homestead tax credit is available and how do I apply? A: Oklahoma offers a homestead exemption that caps assessment increases for owner-occupied homes. Applications must be filed with the Noble County Assessor by March 15th for the current tax year, or the exemption begins the following year if filed after the deadline.

Q: Are there tax credits for senior citizens? A: Yes, taxpayers age 65 and older may qualify for additional tax credits. These require separate application with the County Assessor and have specific income and residency requirements.

Q: How does the homestead exemption work? A: The homestead exemption limits annual assessment increases on your primary residence, not the total market value. It must be applied for annually and only applies to owner-occupied homes.

Q: When are properties reassessed in Noble County? A: Properties are typically reassessed annually, with assessment notices mailed in spring. Property owners have appeal rights if they disagree with assessed values.

Q: What are the penalties for late payment? A: Late payments incur penalties and interest charges. Contact the Noble County Treasurer for current penalty rates and payment options.

Q: Can I pay property taxes online? A: Check with the Noble County Treasurer's office for current online payment options and accepted payment methods.

Q: Why do tax rates vary within Noble County? A: Different school districts, municipalities, and special districts (fire, library, etc.) create varying tax rate combinations depending on your property's exact location.

Q: What triggers a supplemental tax bill? A: New construction, major improvements, property transfers, or assessment corrections can generate supplemental tax bills with separate due dates.

Q: How do I apply for tax credits or exemptions? A: Contact the Noble County Assessor's office directly for application forms and deadlines. Most credits require annual application and are not automatically renewed.

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