When Are Oregon Property Taxes Due? Dates, Rates & Exemptions (2026)

Oregon homeowners face an annual property tax deadline of November 15, whether paying in full or installments. With an effective state property tax rate of 0.97%, Oregon remains one of the more affordable states for property taxation—but missing the deadline carries steep penalties of 1–2% per month plus potential tax liens.

When Are Oregon Property Taxes Due?

Oregon property taxes are due on November 15 each year. Homeowners can pay the full amount on that date or split payments into two installments: the first half due November 15 and the second half due May 15 the following year.

Schedule	Due Date	Notes
State payment schedule	Nov 15 (annual or installments)	Confirm with county treasurer

Each county treasurer's office handles collection, so payment methods and mailing addresses vary by county. Contact your county assessor or treasurer's office directly to confirm your specific due date, as some counties may have slightly different procedures or local deadlines.

The November 15 deadline is firm—late payments trigger penalties immediately. Plan ahead by setting a calendar reminder 30 days before the deadline to avoid the rush and ensure your payment arrives on time.

Oregon Property Tax Rates

Oregon's effective property tax rate is 0.97%—calculated as the median property tax as a percentage of median home value. This rate positions Oregon in the lower-to-middle range nationally, making it attractive for homeowners concerned about tax burden.

However, the actual rate you pay depends on your county and local taxing districts. Some Oregon counties assess properties at rates slightly above or below the state average, influenced by local school funding needs, county services, and special district levies.

[[INFOGRAPHIC:stat_grid|Oregon Property Tax Snapshot|Due dates: Nov 15 (annual or installments)|Effective tax rate: 0.97%|Homestead exemption: Homestead/senior/veteran exemptions vary|Late penalty: Typically 1–2% per month; tax lien possible]]

To estimate your individual tax bill, multiply your home's assessed value by your county's effective tax rate. Oregon's median home price is around $520,000, which would generate roughly $5,044 in annual property taxes at the state average rate—though your actual amount will depend on local assessments.

Oregon Property Tax Exemptions

Oregon offers several property tax exemptions and deferrals designed to help seniors, veterans, and low-income homeowners:

Homestead Exemption reduces property tax for primary residences, but eligibility and benefit amounts vary significantly by county. Some counties cap the exemption at a set dollar amount; others tie it to income thresholds.

Senior and Disabled Homeowner Exemptions provide tax relief for residents age 65+ or permanently disabled, with benefits typically ranging from modest reductions to full exemptions depending on income and county rules.

Veterans' Exemptions are available in many Oregon counties for disabled veterans and surviving spouses, though the benefit structure differs by jurisdiction.

Property Tax Deferral Program allows low-income seniors and disabled homeowners to defer property taxes until the property is sold or the estate is settled—a lifeline for retirees on fixed incomes.

Because exemption eligibility, income limits, and benefit amounts vary significantly by county, you must contact your county assessor's office directly. They'll confirm which exemptions you qualify for and guide you through the application process. Missing an exemption deadline could cost you hundreds annually.

For more details on exemptions nationwide, visit our property tax exemptions guide.

How to Pay Oregon Property Taxes

Payment methods and locations differ by county, but most Oregon county treasurer offices accept payments through:

• In person at the county treasurer's office during business hours
• By mail to the address shown on your property tax bill
• Online through your county's website or a third-party payment processor (fees may apply)
• Automatic bank draft or recurring payment for those who prefer hands-off management

Your property tax bill arrives in the fall, typically September or October. It will display your county's payment address, accepted methods, and any local deadlines. If you don't receive a bill by early November, contact your county treasurer immediately—you're still responsible for paying on time even if paperwork goes missing.

If your mortgage includes property taxes (part of your PITI—principal, interest, taxes, insurance), your lender pays the county directly from your escrow account. You won't write a separate check, but understanding the cost helps with budgeting. Use our Oregon mortgage calculator to estimate your total monthly payment including property taxes.

What Happens If You Miss the Deadline?

Missing the November 15 deadline triggers serious financial and legal consequences. Oregon imposes late penalties of 1–2% per month on unpaid property taxes, meaning a $5,000 bill delayed six months could incur $300–$600 in penalties alone.

If taxes remain unpaid beyond a certain period (typically 12–24 months, depending on county procedures), the county may file a tax lien against your property. A lien clouds your title, makes refinancing difficult, and gives the county legal claim to your home's equity.

In extreme cases of prolonged delinquency, the county may foreclose and sell your property to recover unpaid taxes. Even if you're just a few weeks late, paying immediately stops further penalty accumulation and protects your home's equity.

If you anticipate difficulty paying by November 15, contact your county treasurer in advance. Many counties offer payment plans or can direct you toward assistance programs before penalties begin.

Property Taxes and Your Mortgage Payment

For most homeowners with mortgages, property taxes are bundled into the monthly mortgage payment as part of PITI: Principal, Interest, Taxes, and Insurance. Your lender collects the full year's property tax estimate and holds it in an escrow account, paying the county bill on your behalf each November.

This arrangement protects both you and the lender—you can't risk losing the home to tax foreclosure, and the lender's security interest is preserved. However, if your home's assessed value rises, your escrow payment will increase at your annual mortgage statement review.

Understanding this cost upfront is crucial when buying. Use our free Oregon mortgage calculator to estimate your full monthly payment, including property taxes at your county's rate.

For first-time buyers in Oregon, programs like the Oregon Housing and Community Services OR Bond Residential Loan offer down payment assistance up to $15,000, making homeownership more accessible despite property tax obligations.

Frequently Asked Questions

What is Oregon's property tax rate compared to other states?
Oregon's effective rate of 0.97% is below the national average of roughly 1.1%, making it moderately tax-friendly. However, actual rates vary by county—some rural areas are lower, while urban centers may be slightly higher due to local school funding demands. Always check your specific county's rate on the assessor's website.

Can I appeal my property tax assessment?
Yes. If you believe your home's assessed value is too high, you can file a property value objection with your county assessor, typically between January and March. Gather comparable sales data and submit evidence supporting a lower valuation. Many counties offer free guidance; contact the assessor's office for details on deadlines and procedures.

Do Oregon homeowners get a state income tax credit for property taxes?
Oregon does not offer a direct state income tax credit for property taxes, though federal tax law allows you to deduct up to $10,000 in state and local taxes (SALT) combined on your federal return—including property taxes. Consult a tax professional to maximize your deductions.

What if I inherit a property in Oregon—when are taxes due?
Inherited property remains subject to Oregon's November 15 property tax deadline. As the new owner, you're responsible for the full year's tax, even if you inherited partway through the year. Contact the county assessor to update the deed and ensure bills are sent to the correct address.

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Ready to buy a home in Oregon? Use our Oregon mortgage calculator to see how property taxes fit into your monthly payment. For broader tax planning, review our guide on when property taxes are due across all states.