Ponca City, Kay County, Oklahoma Property Taxes
Property Taxes in Ponca City, Oklahoma
Median Ponca City, Oklahoma effective property tax rate: 0.71%, significantly lower than the national median of 1.02%, and lower than the Oklahoma state median of 0.90%.
Median Ponca City, Oklahoma home value: $97,394
Median annual Ponca City, Oklahoma tax bill: $679, lower than the national median property tax bill of $2,400.
How are property taxes in Kay calculated?
Property taxes in Ponca City, Oklahoma are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Ponca City's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Ponca City, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Ponca City, Kay County, Oklahoma Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.71%
Estimate Property Tax Bill
$691
$642
How Does the Ponca City Property Tax Calculator Work?
Use this Ponca City property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Ponca City's median effective tax rate of 0.71% — based on actual property records in Kay County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Ponca City's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Ponca City: rates range from $466 in 74601 to $1,338 in 74604, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Ponca City.
About Ponca City Property Taxes
About Property Taxes in Ponca City, Kay, Oklahoma
Ponca City’s median effective property tax rate of 0.71% is lower than the Oklahoma state median of 0.90% and lower than the national median of 1.02%. This rate reflects the Kay County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Ponca City. Homeowners in the 74604 ZIP code carry a median effective rate of 0.76%, while those in 74601 pay 0.68%. This spread — 0.08 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Kay County. Understanding which part of Ponca City you live in can make a meaningful difference to your annual tax bill.
Ponca City homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the March 6, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Ponca City, Kay County, Oklahoma
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Ponca City’s effective property tax rate to other cities in Oklahoma and the median property tax rates in Oklahoma and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Ponca City Tax Rate
0.71%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Kay County Tax Rate
0.71%
Median Effective Oklahoma Tax Rate
0.90%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Ponca City, Kay County, Oklahoma
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 74601 | 0.41% | 0.53% | 0.68% | 0.86% | 1.04% |
| 74604 | 0.52% | 0.62% | 0.76% | 0.89% | 1.00% |
Source: Ownwell
Property Tax Assessment Values Across Ponca City, Kay County, Oklahoma
When examining property taxes in Ponca City, Oklahoma, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. Kay County estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Kay County, assessment notices are sent in March each year. They'll typically reach your mailbox by the middle of March.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Ponca City.
For example, the median home price in Ponca City is $97,394, with tax bills ranging significantly across the county. 74604 has the highest median home price at $177,221.
Property Tax Assessment Values Across Ponca City, Kay County, Oklahoma
Source: Ownwell
$46,632
$111,927
$177,221
Median Ponca City Market Value
$97,394
Median Kay County Market Value
$82,331
Median Oklahoma Market Value
$160,842
Median United States Market Value
$235,294
Property Tax Assessment Values Across Ponca City, Kay County, Oklahoma
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 74601 | $31,030 | $43,032 | $66,712 | $111,292 | $170,418 |
| 74604 | $91,367 | $128,394 | $177,221 | $251,836 | $362,729 |
Source: Ownwell
Property Tax Bills Across Ponca City, Kay County, Oklahoma
Property tax bills in Ponca City are based on the assessed value of a home, not its market price alone. Local taxing authorities apply the property tax rate to that assessed value to determine the annual bill, which means two homes with similar market values can still owe different amounts if their assessments differ.
Several factors can influence the final tax bill, including the home’s assessed value, the tax rate set by local governments, and the specific neighborhood or zip code where the property is located. In Ponca City, the median home price is $97,394, while property tax bills vary widely across the city.
For many homeowners, the bill is manageable, but it can still create a meaningful expense. The 25th percentile tax bill is $363, while the 75th percentile reaches $1,246. At the high end, the 90th percentile is $2,007, showing how much property taxes can affect monthly housing costs and overall affordability.
Median Ponca City Tax Bill
$679
Median Kay County Tax Bill
$591
Median Oklahoma Tax Bill
$1,339
Median United States Tax Bill
$2,400
Property Tax Bills Across Ponca City, Kay County, Oklahoma
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 74601 | $172 | $282 | $466 | $778 | $1,228 |
| 74604 | $618 | $904 | $1,338 | $2,012 | $3,004 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 6 |
Links | |
|---|---|
| Kay Tax Assessor | |
| Website | www.actdatascout.com |