Stephens County, Oklahoma Property Taxes

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Property Taxes in Stephens County, Oklahoma

Median Stephens County effective property tax rate: 0.77%, significantly lower than the national median of 1.02%.
Median Stephens County home value: $96,396
Median annual Stephens County tax bill: $689, lower than the national median property tax bill of $2,400.

How are property taxes in Stephens County calculated?

Property taxes in Stephens County 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 your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Stephens County or another part of Stephens County, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Stephens County, Oklahoma Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.77%

Estimate Property Tax Bill

$742

$689

How Does the Stephens County Property Tax Calculator Work?

Use this Stephens County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Stephens County's median effective tax rate of 0.77% to generate your estimate.

Enter your property's estimated assessed value — the figure the appraisal district assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.

Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Stephens County's median tax rate is lower than Oklahoma's 0.90% median rate, and the county's median tax bill of $689 is $1,711 lower than the state median.

For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Stephens County.

Property Tax Rates Across Stephens County, Oklahoma

What Are Effective Property Tax Rates Across Stephens County?

Local government entities set tax rates, which vary widely across Stephens County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.

Below, compare Stephens County's effective property tax rate to other counties in Oklahoma or the U.S. median of 1.02%.

Stephens County's median effective rate stands at 0.77%, which is lower than the national median of 1.02%. Within Stephens County, the highest rate is found in Marlow at 0.83%, while Ratliff City has the lowest at 0.65%.

These variations reflect differences in local school district levies, special assessment districts assessments, and special district bonds — which compound the base county rate.

Property Tax Rates Across Stephens County, Oklahoma

Source: Ownwell

0.65%

0.74%

0.83%

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 Stephens County Tax Rate

0.77%

Median Effective Oklahoma Tax Rate

0.90%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Stephens County, Oklahoma

City	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
Comanche	0.44%	0.59%	0.75%	0.89%	0.98%
Duncan	0.47%	0.63%	0.76%	0.88%	0.94%
Foster	0.41%	0.58%	0.73%	0.82%	0.89%
Hastings	0.44%	0.65%	0.81%	0.92%	0.99%
Loco	0.39%	0.55%	0.66%	0.77%	0.83%
Marlow	0.52%	0.68%	0.83%	0.99%	1.09%
Ratliff City	0.44%	0.55%	0.65%	0.72%	0.81%
Velma	0.46%	0.62%	0.73%	0.79%	0.82%
Waurika	0.43%	0.60%	0.69%	0.77%	0.83%

Source: Ownwell

Property Tax Assessment Values Across Stephens County, Oklahoma

When examining property taxes in Stephens County, 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. The Stephens County appraisal district 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 Stephens County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.

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 Stephens County.

For example, the median tax bill in Stephens County is $689, with tax bills ranging significantly across the county. Foster has the highest median home price at $122,476.

Property Tax Assessment Values Across Stephens County, Oklahoma

Source: Ownwell

$50,982

$86,729

$122,476

Median Stephens County Market Value

$96,396

Median Oklahoma Market Value

$160,842

Median United States Market Value

$235,294

Property Tax Assessment Values Across Stephens County, Oklahoma

City	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
Comanche	$26,104	$48,167	$86,355	$143,181	$219,974
Duncan	$25,248	$44,950	$90,985	$164,196	$246,691
Foster	$35,178	$68,935	$122,476	$193,164	$304,985
Hastings	$22,402	$42,744	$68,510	$96,415	$140,438
Loco	$17,145	$38,566	$74,029	$161,274	$257,191
Marlow	$45,289	$73,329	$116,076	$186,464	$305,873
Ratliff City	$18,038	$47,395	$88,123	$146,904	$218,099
Velma	$21,120	$25,886	$50,982	$104,046	$120,959
Waurika	$34,255	$68,788	$103,098	$131,940	$216,336

Source: Ownwell

Property Tax Bills Across Stephens County, Oklahoma

Property tax bills in Stephens County are based on the assessed value of a home and the local tax rates applied to that value. When a property’s market value changes, the assessed value can change too, which affects the final bill. Local taxing authorities use that assessed value to calculate what a homeowner owes, so two homes with different values may have very different tax bills even within the same county.

In Stephens County, the median home price is $96,396, and property tax bills vary widely across homeowners. The 25th percentile tax bill is $328, while the 75th percentile is $1,285 and the 90th percentile is $2,084. That range shows how location, home value, and local tax rates can combine to create very different outcomes. Homeowners in Marlow have the highest median tax bill at $914.00, while Velma has the lowest median tax bill at $362.00.

Property Tax Bills Across Stephens County, Oklahoma

Source: Ownwell

$362

$638

$914

Median Stephens County Tax Bill

$689

Median Oklahoma Tax Bill

$1,339

Median United States Tax Bill

$2,400

Property Tax Bills Across Stephens County, Oklahoma

City	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
Comanche	$152	$302	$605	$1,029	$1,716
Duncan	$152	$294	$630	$1,247	$1,993
Foster	$199	$368	$768	$1,448	$2,401
Hastings	$105	$234	$484	$781	$1,236
Loco	$96	$220	$462	$1,002	$1,802
Marlow	$301	$522	$914	$1,603	$2,679
Ratliff City	$149	$251	$526	$997	$1,537
Velma	$133	$179	$362	$775	$911
Waurika	$267	$359	$675	$890	$1,430

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	March 6

Links
Stephens Tax Assessor
Website	oktaxrolls.com

Frequently Asked Property Tax Questions in Stephens County, Oklahoma

How are property taxes calculated in Stephens County, Oklahoma?

Property taxes in Stephens County, Oklahoma are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Stephens County, Oklahoma?

To appeal your property taxes in Stephens County, Oklahoma, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Stephens County, Oklahoma?

Common property tax exemptions in Stephens County, Oklahoma include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Stephens County, Oklahoma?

Property tax deadlines in Stephens County, Oklahoma vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Stephens County, Oklahoma?

Ownwell provides professional property tax appeal services in Stephens County, Oklahoma. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.