Local costs · Oklahoma
What a home costs across Oklahoma
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Oklahoma, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $2,268 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Oklahoma documentary stamp tax: 0.15% of price — seller customarily paysOn the $222,100 state median home, the buyer’s customary share is about $0; the seller customarily covers about $333.
- Title insurance
- Oklahoma uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Oklahoma income tax is modeled at about 3.41% effective for a married household at $100,000 (3.95% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 77 counties in Oklahoma
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Adair County | 0.48% | $1,380–$3,090typical $2,130 |
| Alfalfa County | 0.58% | $1,660–$3,700typical $2,550 |
| Atoka County | 0.55% | $2,430–$5,420typical $3,740 |
| Beaver County | 0.78% | $2,580–$5,760typical $3,970 |
| Beckham County | 0.84% | $1,770–$3,960typical $2,730 |
| Blaine County | 0.57% | $2,470–$5,510typical $3,800 |
| Bryan County | 0.64% | $1,210–$2,700typical $1,860 |
| Caddo County | 0.54% | $1,900–$4,230typical $2,920 |
| Canadian County | 0.97% | $1,360–$3,030typical $2,090 |
| Carter County | 0.74% | $1,640–$3,650typical $2,520 |
| Cherokee County | 0.54% | $1,300–$2,900typical $2,000 |
| Choctaw County | 0.41% | $1,390–$3,100typical $2,140 |
| Cimarron County | 0.40% | $1,370–$3,050typical $2,100 |
| Cleveland County | 1.00% | $1,550–$3,450typical $2,380 |
| Coal County | 0.53% | $4,040–$9,020typical $6,220 |
| Comanche County | 0.89% | $1,540–$3,440typical $2,370 |
| Cotton County | 0.74% | $1,440–$3,220typical $2,220 |
| Craig County | 0.55% | $1,140–$2,540typical $1,750 |
| Creek County | 0.71% | $1,440–$3,220typical $2,220 |
| Custer County | 0.69% | $1,700–$3,780typical $2,610 |
| Delaware County | 0.60% | $1,110–$2,470typical $1,700 |
| Dewey County | 0.52% | $2,070–$4,610typical $3,180 |
| Ellis County | 0.74% | $2,190–$4,890typical $3,370 |
| Garfield County | 0.87% | $1,450–$3,230typical $2,230 |
| Garvin County | 0.55% | $1,970–$4,390typical $3,030 |
| Grady County | 0.68% | $1,850–$4,120typical $2,840 |
| Grant County | 0.48% | $1,560–$3,480typical $2,400 |
| Greer County | 0.50% | $1,980–$4,420typical $3,050 |
| Harmon County | 0.67% | $2,190–$4,890typical $3,370 |
| Harper County | 0.64% | $1,930–$4,310typical $2,970 |
| Haskell County | 0.43% | $2,220–$4,960typical $3,420 |
| Hughes County | 0.60% | $2,720–$6,060typical $4,180 |
| Jackson County | 0.59% | $4,350–$9,700typical $6,690 |
| Jefferson County | 0.63% | $1,880–$4,190typical $2,890 |
| Johnston County | 0.56% | $1,680–$3,760typical $2,590 |
| Kay County | 0.66% | $1,650–$3,680typical $2,540 |
| Kingfisher County | 0.58% | $2,240–$5,000typical $3,450 |
| Kiowa County | 0.58% | $1,870–$4,180typical $2,880 |
| Latimer County | 0.53% | $2,000–$4,470typical $3,080 |
| Le Flore County | 0.62% | $1,580–$3,520typical $2,430 |
| Lincoln County | 0.56% | $1,960–$4,380typical $3,020 |
| Logan County | 0.78% | $2,030–$4,540typical $3,130 |
| Love County | 0.63% | $1,700–$3,780typical $2,610 |
| Major County | 0.63% | $2,570–$5,730typical $3,950 |
| Marshall County | 0.55% | $1,720–$3,830typical $2,640 |
| Mayes County | 0.65% | $1,110–$2,470typical $1,700 |
| McClain County | 0.79% | $1,730–$3,860typical $2,660 |
| McCurtain County | 0.36% | $1,240–$2,760typical $1,900 |
| McIntosh County | 0.57% | $1,620–$3,610typical $2,490 |
| Murray County | 0.42% | $1,740–$3,890typical $2,680 |
| Muskogee County | 0.67% | $1,180–$2,640typical $1,820 |
| Noble County | 0.80% | $1,610–$3,580typical $2,470 |
| Nowata County | 0.65% | $1,320–$2,940typical $2,030 |
| Okfuskee County | 0.48% | $1,940–$4,340typical $2,990 |
| Oklahoma County | 0.97% | $1,420–$3,180typical $2,190 |
| Okmulgee County | 0.66% | $1,440–$3,220typical $2,220 |
| Osage County | 0.69% | $1,330–$2,970typical $2,050 |
| Ottawa County | 0.62% | $1,110–$2,470typical $1,700 |
| Pawnee County | 0.67% | $1,650–$3,680typical $2,540 |
| Payne County | 0.85% | $1,720–$3,840typical $2,650 |
| Pittsburg County | 0.50% | $1,650–$3,680typical $2,540 |
| Pontotoc County | 0.65% | $1,800–$4,020typical $2,770 |
| Pottawatomie County | 0.66% | $1,870–$4,160typical $2,870 |
| Pushmataha County | 0.39% | $1,640–$3,650typical $2,520 |
| Roger Mills County | 0.46% | $2,750–$6,130typical $4,230 |
| Rogers County | 0.75% | $1,110–$2,470typical $1,700 |
| Seminole County | 0.62% | $2,150–$4,800typical $3,310 |
| Sequoyah County | 0.55% | $1,710–$3,810typical $2,630 |
| Stephens County | 0.68% | $1,650–$3,680typical $2,540 |
| Texas County | 0.69% | $1,350–$3,000typical $2,070 |
| Tillman County | 0.63% | $1,760–$3,930typical $2,710 |
| Tulsa County | 0.97% | $1,110–$2,470typical $1,700 |
| Wagoner County | 0.79% | $1,160–$2,600typical $1,790 |
| Washington County | 0.90% | $1,310–$2,910typical $2,010 |
| Washita County | 0.52% | $1,740–$3,890typical $2,680 |
| Woods County | 0.57% | $1,480–$3,290typical $2,270 |
| Woodward County | 0.58% | $1,580–$3,520typical $2,430 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.