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Updated 2025 Tax Year

Pottawatomie County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
Approximately 1.495% effective rate, varies significantly by taxing district and location within county
1st Due
Oct 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Pottawatomie County property taxes fund essential local services including public schools, county government operations, emergency services, and infrastructure maintenance. The county levies property tax each October 1 on the assessed value of real and personal property as of January 1. For the 2025 tax year, the effective property tax rate is approximately 1.495%, though this varies significantly by location within the county.

Your actual tax rate depends on which special taxing districts your property falls within, including school districts, fire districts, library districts, and municipal service areas. These special districts can add additional millage to your base county rate, meaning two properties of identical value in different parts of Pottawatomie County may have substantially different tax bills. The county assessor determines assessed values annually, typically at fair market value, with no statewide assessment ratio cap.

Property owners should verify their specific tax rate and applicable districts with the Pottawatomie County Assessor's office, as rates can change annually based on local budget needs and voter-approved measures. All property tax credits require separate applications and are not automatically applied to your assessment.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County GeneralVariesBasic county operations and services
School DistrictsVariesLocal school district operations and bonds
Career TechVariesVocational and technical education
Fire DistrictsVariesRural fire protection services
Library DistrictsVariesPublic library services
Municipal ServicesVariesCity services (if within city limits)
Total Effective Rate~14.95 millsCombined rate for FY 2025-2026

Note: One mill equals $1 per $1,000 of assessed value. Actual rates vary by location within Pottawatomie County based on which special taxing districts apply to your property. Contact the County Assessor for your specific district combination and current rates.

The FY 2025-2026 rates shown are effective for taxes levied October 1, 2025, with payment due dates beginning September 30, 2025 (first half) and March 1, 2026 (second half).

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Pottawatomie 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 Pottawatomie County are additional tax bills issued when property ownership changes, new construction is completed, or property improvements are made that increase assessed value during the tax year. Unlike the regular October 1 levy date, supplemental taxes are calculated from the date of the triggering event through the end of the current tax year.

When you purchase property or complete new construction, the county assessor determines if the assessed value has changed from the January 1 assessment date. If the value increased, you'll receive a supplemental tax bill for the additional tax owed on the increased value, prorated for the remaining months of the tax year.

For example, if you purchase a home in June that was previously assessed at $200,000 but now has a market value of $300,000, you would owe supplemental taxes on the $100,000 increase for July through December (6 months). At a 1.495% tax rate, this would equal approximately $747 in supplemental taxes ($100,000 × 0.01495 × 6/12 months). Supplemental tax bills are typically issued within 30-60 days of the triggering event and have separate due dates from regular property taxes.

Example Calculation

Property Value: $300,000

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applied): $1,000
  • Net Taxable Value: $299,000
  • Annual Tax ($299,000 × 0.01495): $4,471
  • Monthly Payment: $373

Property Value: $600,000

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applied): $1,000
  • Net Taxable Value: $599,000
  • Annual Tax ($599,000 × 0.01495): $8,955
  • Monthly Payment: $746

Property Value: $1,000,000

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applied): $1,000
  • Net Taxable Value: $999,000
  • Annual Tax ($999,000 × 0.01495): $14,935
  • Monthly Payment: $1,245

Note: Homestead Credit amounts are illustrative. Actual credit amounts and eligibility requirements must be verified with the County Assessor. All tax credits require separate applications and are not automatically applied. Additional credits may be available for disabled veterans, senior citizens, and other qualifying circumstances.

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Section 5

Escrow & Property Taxes

Most mortgage lenders require property tax escrow accounts for Pottawatomie County properties, collecting monthly payments with your mortgage payment to cover annual property taxes. Lenders typically collect 1/12 of your estimated annual tax bill each month, plus a cushion amount as allowed by federal law.

Property taxes are paid in two installments: the first half is due September 30th, and the second half is due March 1st of the following year. Your lender will receive tax bills directly from the county and make payments on your behalf before the due dates. However, you remain ultimately responsible for ensuring payments are made timely and accurately.

You should receive an annual escrow analysis from your lender showing the previous year's tax payments and any adjustments to your monthly escrow amount based on actual tax bills. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will adjust accordingly. Always verify that your lender has paid your taxes by checking with the County Treasurer's office, especially after receiving your tax statements. If you pay taxes directly (no escrow), remember that late payments incur penalties and interest charges.

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Section 6

Frequently Asked Questions

Q: When are Pottawatomie County property taxes due for FY 2025-2026? A: First half taxes are due September 30, 2025, and second half taxes are due March 1, 2026. Payments received after these dates incur penalties and interest charges.

Q: What tax credits are available and do they require application? A: Available tax credits include Homestead Credit, Disabled Veteran Homestead Credit, Senior Citizen Credit, and Military Service Exemption. ALL tax credits require separate applications filed with the County Assessor and are not automatically applied to your property.

Q: How does the Homestead Credit work? A: The Homestead Credit is a tax credit that may limit annual assessment increases and provide modest tax savings for owner-occupied primary residences. You must file an application with the County Assessor by March 15th to qualify. This credit does not reduce your property's market value but may reduce your tax bill.

Q: When does the county reassess property values? A: Pottawatomie County assesses all property annually as of January 1st. Assessment notices are typically mailed in the spring, with appeal deadlines usually in June. Contact the County Assessor for specific appeal procedures and deadlines.

Q: What are the penalties for late property tax payments? A: Late payments incur penalties and interest charges. First half payments made after September 30th and second half payments made after March 1st are subject to penalties that increase over time. Contact the County Treasurer for specific penalty rates.

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

Q: Why do property tax rates vary within the county? A: Your total tax rate depends on which special taxing districts your property falls within, including school districts, fire districts, library districts, and municipal areas. Each district adds mills to your base county rate.

Q: How do I find out which taxing districts apply to my property? A: Contact the Pottawatomie County Assessor's office with your property address or parcel number to determine which special taxing districts apply to your specific property and your exact tax rate.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
POTTAWATOMIE COUNTY - Oklahoma Digital Prairiedigitalprairie.ok.gov
02
State
HOME_IncomeLmts_State_OK_...huduser.gov
03
State
2025 Statewide Maximum Qualification Income Amounts for ...oklahoma.gov
04
County
Treasurer's Office - Departments - Pottawattamie County, IApottcounty-ia.gov
05
County
Real Estate - Treasurer - Pottawattamie County, Iowapottcounty-ia.gov
06
2026-2027 Form 921 Application for Homestead Exemptionoklahoma.gov
07
County
Pottawattamie County Assessorpottcounty-ia.gov
08
2026 Form 998 Application for 100% Disabled Veterans Real ...oklahoma.gov
09
Contract Forms and Related Addenda - Oklahoma.govoklahoma.gov
10
I I Ipottcounty-ia.gov
All sources verified as of 2025 Tax Year

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