Tulsa, OK · Updated Oct 2026

What a Tulsa home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Tulsa house

$13,313a year · $1,109 a month

Starts at the typical market value, $205,300; your assessed value is often lower. Typical use.

A Tulsa house at the typical market value ($205,300) costs about $13,300 a year: $2,990 property tax and charges, $1,510 water and sewer, $300 trash, $2,960 electricity and gas, $5,560 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 28, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Switch to the 32-gallon cart, once a week, curbside cartUp to $58 a year
Your cart costs $25 a month; the smallest costs $20. Worth it if you rarely fill it.
How: Call your garbage hauler.
Homeowners: file for the homestead exemption$1,000 of assessed value
A Homestead Exemption is an exemption of $1,000 of the assessed valuation of your primary residence.
How: Apply with the Tulsa County Assessor by March 15 or within 30 days of the notice of increase in valuation.
Household income $30,000 or less: additional homestead exemptionExtra $1,000 of assessed value
The Additional Homestead Exemption takes another $1,000 off the assessed valuation of your primary residence if gross household income for the prior year was $30,000 or less.
How: You must qualify for the Homestead Exemption; apply with the Tulsa County Assessor.
Right-size your trash cartUp to $4.80 a month
Standard once-a-week curbside service is $25.20 for a 96-gallon cart and $20.40 for a 32-gallon cart; changing cart size costs $27.15 each time.
How: Ask the city to change your cart size.
LIHEAP-qualified households: low-income gas rateLower service charge and delivery fee
Oklahoma Natural Gas offers a special low-income residential rate to single-family customers certified by the Department of Human Services for LIHEAP.
How: Qualify through the Department of Human Services; it certifies you to Oklahoma Natural Gas each year.

Adjust to match your bills

What you knowTrash cartStandard service is once a week at the curb; backyard collection adds $28 a month.

Value before exemptionsEnter your home's market value; the calculator takes 11% as the assessed value. Oklahoma limits a homestead's yearly value increase to 3%, so a long-held home may be taxed on less.

Home insurance, a yearFrom your policy. We start at $5,556, Insurify's Oklahoma average homeowners premium, for a $300,000 dwelling coverage policy with a $1,000 deductible (updated October 21, 2026).

Your use

Water, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

On your Public Service Company of Oklahoma (PSO) bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Dec 31in 57 daysProperty taxes: pay the first half or more by December 31; the remainder is due by March 31.
Mar 15Exemption applications must be filed by March 15 or within 30 days from the mailing date indicated on the notice.
AugustUtility customers can opt in or out of EMSAcare during the month of August each year.

Who serves this house

Water: City of Tulsa; Residential customers pay a meter fee based on meter size plus a rate per 1,000 gallons.
Property tax: 1.46% of value; 2026 tax year, Tulsa County tax code T-1A
Garbage: City of Tulsa; Once-a-week curbside cart service; the recycling cart has no charge.
Sewer: City of Tulsa; Residential customers are charged $11 per 1,000 gallons of water used.
Electricity: Public Service Company of Oklahoma; The city lists PSO for setting up electric service.
Gas: Oklahoma Natural Gas; The city lists Oklahoma Natural Gas for setting up gas service.
Schools: Tulsa; Tax code T-1A is Tulsa city with the Tulsa school district.

Pay or manage your bills

Your water

Source: The system's water comes from Spavinaw Lake and Oologah Lake, both surface water.
Lead: The 2025 lead 90th percentile was 1.2 ppb against a 15 ppb action level.
Violations: The 2025 report says no violations occurred in the 2025 calendar year.

Other OK cities

Bartlesville home costs Lawton home costs El Reno home costs

How these numbers are made

Property tax: Tulsa County tax code T-1A (Tulsa city with Tulsa school district) totals 132.31 mills in the assessor's 2026 school district rate table, applied to assessed value at 11% of fair cash value, so the rate on market value is 1.455%. The homestead exemption ($1,000 of assessed value, about $9,091 of market value at 11%) is shown under tips, not in the total.
Water: $4.80 per 1,000 gallons (city rates page, 2026) plus the $6.57 monthly meter charge for a 3/4-inch meter from the city's October 2024 rate book; the 2025 and 2026 rate books are images that cannot be read, so the current meter charge may be higher. Sewer: $11 per 1,000 gallons of water used plus the $11.52 monthly sewer meter charge (also from the October 2024 book); the cap on billed units is modelled at the citywide average of 5,000 gallons that the city uses for properties without a set cap, and your own cap may differ.
Stormwater $14.65 and EMSAcare $5.45 are monthly flat charges on the city utility bill; trash is the 96-gallon once-a-week curbside price on the same bill. The refuse bill line rests on a Tulsa Flyer description of the city utility bill; the city's program-rates page gives the cart prices but does not say how they are billed.
Electricity: the fixed $18.82 is the $17.00 base service charge plus the 8.95% interim adjustment and a $0.30 rider (not the bare $17.00 tariff charge); PSO Schedule RS energy rates weighted by season (5 on-peak months June-October, 7 off-peak) with the 8.95% interim adjustment and per-kWh riders, as in the Bartlesville record (same PSO tariff statewide); franchise fees and the tax change rider are not included, so the electric bill shown is slightly understated. Gas: Oklahoma Natural Gas Rate Choice B $47.57 service charge plus the 12-month average commodity cost; typical gas use was not sourced.
Insurance is a commercial market average for Oklahoma (Insurify, October 2026), not an official statewide figure. It assumes $300,000 of dwelling coverage, more than the $205,300 starting home value, so it likely overstates the premium for a typical Tulsa home. Parts of Tulsa lie in other school districts (Broken Arrow, Bixby, Jenks, Union, Berryhill, Owasso) with higher total rates of 134.17 to 141.31 mills; no flat charges were found on a typical city house's tax bill.
Nothing here is legal, tax or insurance advice.

Sources

How Tulsa compares

A typical Tulsa house against the 1000 cities we cover nationwide, using the same default numbers as the total above.

Per year	Tulsa	Median	Where it falls
Property tax rate	1.46%	1.36%	higher than 526 of the other 982 cities we cover nationwide
Water	$467	$681	lower than 767 of the other 999 cities we cover nationwide
Sewer and utility-bill fees	$1,039	$692	higher than 744 of the other 882 cities we cover nationwide
Trash	$302	$336	lower than 487 of the other 819 cities we cover nationwide
Electricity and gas	$2,960	$2,439	higher than 673 of the other 999 cities we cover nationwide
Home insurance	$5,556	$1,492	higher than 733 of the other 766 cities we cover nationwide
Total	$13,313	$10,827	higher than 703 of the other 999 cities we cover nationwide

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Water

The fact: Water here costs about $467 a year at typical use, lower than 767 of the other 999 cities we cover nationwide.

Ask: "Water here costs about $467 a year at typical use, lower than 767 of the other 999 cities we cover nationwide. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,039 a year, higher than 744 of the other 882 cities we cover nationwide. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $1,039 a year, higher than 744 of the other 882 cities we cover nationwide. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Tulsa house costs

What is the property tax rate in Tulsa?

About 1.46% of the value before exemptions a year (2026 tax year, Tulsa County tax code T-1A), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Tulsa?

About $7,277 a year on $500,000 of the value before exemptions.

How much is the water bill in Tulsa?

About $126 a month for water and sewer at typical use (7,000 gallons a month) on City of Tulsa.

How much does trash pickup cost in Tulsa?

$20 to $25 a month, depending on the trash cart size (96-gallon cart, once a week, curbside, 64-gallon cart, once a week, curbside, 32-gallon cart, once a week, curbside).

When is property tax due in Tulsa?

Dec 31: Property taxes: pay the first half or more by December 31; the remainder is due by March 31.

Where can I get help paying utility bills in Tulsa?

LIHEAP-qualified households: low-income gas rate: Oklahoma Natural Gas offers a special low-income residential rate to single-family customers certified by the Department of Human Services for LIHEAP. Qualify through the Department of Human Services; it certifies you to Oklahoma Natural Gas each year.

How much does a house in Tulsa cost to run each year?

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