How to apply for Oklahoma property tax credit or refund for seniors and people with disabilities (Form 538-H)

Who it's for

Oklahoma gives a property tax credit or refund to homeowners who are 65 or older or totally disabled and have very low income. You must be the head of household, own and live in your home, and have lived in Oklahoma for the whole year. Gross household income from all sources, including Social Security, must be $12,000 or less. The credit is the amount of property tax you paid on your home last year that is more than 1% of your household income, up to $200. If you file an Oklahoma income tax return, claim it as a credit on Form 511. If you do not have to file, send Form 538-H by itself and get a refund. For 2025 property taxes, the form is due on or before June 30, 2026.

What you'll need

• Form 538-H (or the credit line on your Form 511 income tax return)
• If under 65: proof that you are totally disabled, such as proof of Social Security disability benefits
• If self-employed: a copy of your federal return, including all schedules

Where to apply

What to say when you call

"Hello, I'm calling to ask about Oklahoma property tax credit or refund for seniors and people with disabilities (Form 538-H). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need form 538-H (or the credit line on your Form 511 income tax return), if under 65: proof that you are totally disabled, such as proof of Social Security disability benefits, if self-employed: a copy of your federal return, including all schedules — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Renewals

annual (file each year by June 30)