74074 Property Tax Rate
Stillwater, Oklahoma · Part of Payne County
Effective Tax Rate
0.93%
130.9% above state avgMedian Annual Tax
$2,291
$191/mo escrow
Estimate Your Tax
Annual Tax
$2,291
Monthly
$191
Eff. Rate
0.93%
Buyer decision brief
What ZIP 74074 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$191/mo
Based on median annual tax paid
State context
0.26 percentage points above the Oklahoma average
Oklahoma average: 0.66%
Data confidence
High confidenceThe Census margin of error is $109, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Payne County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 74074 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$109 tax MOE, 5% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Payne County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 74074
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $247,300, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.93%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Oklahoma and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $191 per month before insurance, HOA dues, or special assessments.
Assessor verification
Payne County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 74074 Compares
Median Annual Property Tax
ZIP 74074
0.93%
Effective rate
Oklahoma Avg
0.66%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Oklahoma
Higher than 87% of ZIP codes in Oklahoma(87th percentile, 592 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 74074
Property owners in ZIP code 74074 (Stillwater, Oklahoma) pay a median of $2,291/year in property taxes on homes valued at $247,300. This translates to an effective tax rate of 0.93%, which is 40% above the Oklahoma state average of 0.66%.
The monthly property tax burden for a median-valued home in 74074 is approximately $191, which factors into escrow payments on mortgages. This ZIP code is located within Payne County. This is $1,299 more than the Oklahoma average of $992/year.
Compared to similar ZIP codes in Oklahoma, 74074 has lower property taxes. ZIP codes with similar effective rates include 74075 (0.92%) and 73642 (0.93%).
In Stillwater, property taxes represent approximately 4.6% of the median household income of $50,245, providing context for the relative tax burden on homeowners in this area.
Oklahoma does not cap assessment increases at sale or for existing owners — your home will be reassessed to fair market value upon sale or during the county's general reappraisal. Payne County (home to Oklahoma State University's Stillwater campus) offers a Homestead Exemption for primary residences that reduces taxable value; apply through the Payne County Assessor's office. File your homestead exemption application with the Payne County Assessor immediately after purchase to ensure the exemption applies to your first tax bill.
Frequently Asked Questions
What is the property tax rate in ZIP code 74074?
How much are property taxes in Stillwater, OK (74074)?
How does ZIP 74074 compare to the Oklahoma average?
What is the median home value in ZIP 74074?
What county is ZIP code 74074 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$109. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 74074 is part of Payne County, Oklahoma. View the full county profile for broader context and more data.
View Payne County on TaxByCounty →Explore Stillwater, OK
View all 2 ZIP codes in Stillwater with property tax comparisons.
View Stillwater Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 74074
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
74075
Stillwater, OK
0.00 percentage points lower than ZIP 74074.
Rate
0.92%
Tax
$2,042
Quality
96
74023
Cushing, OK
0.27 percentage points lower than ZIP 74074.
Rate
0.66%
Tax
$887
Quality
84
74085
Yale, OK
0.24 percentage points lower than ZIP 74074.
Rate
0.68%
Tax
$1,177
Quality
78
74062
Ripley, OK
0.12 percentage points lower than ZIP 74074.
Rate
0.81%
Tax
$1,181
Quality
84
74059
Perkins, OK
0.10 percentage points lower than ZIP 74074.
Rate
0.83%
Tax
$1,615
Quality
84
74032
Glencoe, OK
0.05 percentage points lower than ZIP 74074.
Rate
0.87%
Tax
$1,155
Quality
84
73151
Oklahoma City, OK
0.07 percentage points lower than ZIP 74074.
Rate
0.86%
Tax
$5,561
Quality
94
73007
Arcadia, OK
0.33 percentage points lower than ZIP 74074.
Rate
0.59%
Tax
$3,203
Quality
79
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.