Want to know what the bank takes? Use our Title Insurance Calculator. It shows exactly what you’re going to pay at closing. Big difference.
A Title Insurance Calculator is a digital financial tool designed to help homebuyers, sellers, and homeowners estimate the exact cost of title insurance before they close on a real estate transaction.
Because title insurance rates are strictly regulated by each state and use complex, tiered math formulas, it is very difficult to calculate the costs in your head. The calculator does the heavy lifting for you.
Here is exactly what a Title Insurance Calculator does:
- Calculates the Owner’s Policy: It takes your total purchase price and runs it through your specific state’s rate brackets to find out how much it costs to protect your equity.
- Calculates the Lender’s Policy: It takes your total loan amount and figures out the cost to protect the bank’s investment.
- Applies Simultaneous Issue Discounts: If you are buying both the owner’s and lender’s policies at the exact same time during a purchase, the calculator automatically applies a massive discount (usually dropping the second policy to a flat fee between $25 and $250).
- Adjusts for Refinances: If you are just refinancing your house, the calculator adjusts the math to only charge you for a new Lender’s Policy, since your original Owner’s Policy lasts for as long as you own the home.
- Estimates Total Closing Costs: Along with the premiums, a good calculator will also estimate extra closing costs, like county recording and courier fees, giving you a highly accurate “Total Out of Pocket” number.
2026 Title Insurance Tiered Rates by State
| State | Tier 1 Rate (Up to $100k) | Tier 2 Rate ($100k – $1M) | Tier 3 Rate ($1M – $5M) | Tier 4 Rate (Over $5M) | Simultaneous Issue Fee |
| Alabama (AL) | $5.50 | $4.25 | $3.25 | $2.25 | $250.00 |
| Alaska (AK) | $7.50 | $5.00 | $4.00 | $3.00 | $250.00 |
| Arizona (AZ) | $5.25 | $4.00 | $3.00 | $2.00 | $150.00 |
| Arkansas (AR) | $6.00 | $4.50 | $3.50 | $2.50 | $150.00 |
| California (CA) | $4.50 | $3.20 | $2.30 | $1.50 | $100.00 |
| Colorado (CO) | $5.75 | $4.50 | $3.50 | $2.50 | $150.00 |
| Connecticut (CT) | $5.50 | $4.25 | $3.25 | $2.25 | $125.00 |
| Delaware (DE) | $5.50 | $4.25 | $3.25 | $2.25 | $100.00 |
| District of Columbia (DC) | $6.25 | $5.00 | $4.00 | $3.00 | $150.00 |
| Florida (FL) | $5.75 | $5.00 | $2.50 | $2.25 * | $25.00 |
| Georgia (GA) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Hawaii (HI) | $6.00 | $4.50 | $3.50 | $2.50 | $200.00 |
| Idaho (ID) | $6.50 | $4.75 | $3.75 | $2.75 | $150.00 |
| Illinois (IL) | $5.50 | $4.25 | $3.25 | $2.25 | $200.00 |
| Indiana (IN) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Iowa (IA) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Kansas (KS) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Kentucky (KY) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Louisiana (LA) | $6.00 | $4.50 | $3.50 | $2.50 | $200.00 |
| Maine (ME) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Maryland (MD) | $5.50 | $4.25 | $3.25 | $2.25 | $100.00 |
| Massachusetts (MA) | $5.50 | $4.25 | $3.25 | $2.25 | $175.00 |
| Michigan (MI) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Minnesota (MN) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Mississippi (MS) | $6.00 | $4.50 | $3.50 | $2.50 | $150.00 |
| Missouri (MO) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Montana (MT) | $6.00 | $4.50 | $3.50 | $2.50 | $150.00 |
| Nebraska (NE) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Nevada (NV) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| New Hampshire (NH) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| New Jersey (NJ) | $5.25 | $4.00 | $3.00 | $2.00 | $100.00 |
| New Mexico (NM) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| New York (NY) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| North Carolina (NC) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| North Dakota (ND) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Ohio (OH) | $5.75 | $4.50 | $3.50 | $2.50 | $150.00 |
| Oklahoma (OK) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Oregon (OR) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Pennsylvania (PA) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Rhode Island (RI) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| South Carolina (SC) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| South Dakota (SD) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Tennessee (TN) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Texas (TX) | $8.32 | $5.12 | $3.86 | $2.76 * | $100.00 |
| Utah (UT) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Vermont (VT) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Virginia (VA) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Washington (WA) | $6.00 | $4.50 | $3.50 | $2.50 | $250.00 |
| West Virginia (WV) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Wisconsin (WI) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
| Wyoming (WY) | $5.50 | $4.25 | $3.25 | $2.25 | $150.00 |
How Do They Calculate Title Insurance?
It is not just one flat fee. The banks and insurance companies use math formulas. Here is exactly how your bill gets calculated:
- Tiered Brackets: The math breaks your home price into chunks. The first $100,000 cost the most per thousand dollars. The next chunk up to $1,000,000 is cheaper per thousand.
- State Rules: Every state has different laws. California rates are totally different than Texas rates.
- Loan Amount vs Purchase Price: The owner’s policy is based on the total purchase price of the home. The lender’s policy is based on just the loan amount.
- Simultaneous Issue: If you buy the owner policy and lender policy at the same time, you get a big discount. They usually just charge a small flat fee for the second policy.
Do I Need Title Insurance If I Have No Mortgage?
Yes, you really need it! I get it, you think having no mortgage means you are completely safe. But that is actually wrong. Scammers love homes that do not have a mortgage.
They target these empty houses the most because there is no bank watching over the property. Bad guys make fake IDs and forge your signature on a deed. They file it with the county, so it looks exactly like they own your house. If you do have a loan, your bank makes you buy a policy anyway because they want to protect their own money from defects.
But if you own it free and clear, an owner’s policy is your only shield. Title insurance pays for your whole legal defense if someone tries to steal your house. It covers your equity and your legal fees, so you don’t lose everything. Big difference. You can read more about reporting property scams on the official USA.gov website.
How much is title insurance on a $100,000 house?
For a $100,000 house, the estimated owner’s title insurance premium is $450. This is calculated using the baseline first-tier rate ($4.50 per $1,000 of coverage).
How much is title insurance on a $300,000 house?
For a $300,000 house, the estimated owner’s premium is $1,090. Title insurance uses a declining tier system, meaning the first $100,000 costs $450, and the remaining $200,000 is charged at a reduced second-tier rate ($3.20 per $1,000), which adds $640.
How much is title insurance on a $400,000 house?
For a $400,000 house, the estimated owner’s premium is $1,410. This calculation takes the base $450 for the first $100,000, and adds $960 for the remaining $300,000 of coverage.
How much is title insurance on a $500,000 house?
For a $500,000 house, the estimated owner’s premium is $1,730. The math breaks down to $450 for the initial $100,000 tier, plus $1,280 for the next $400,000 in coverage.
How much is title insurance on a $600,000 house?
For a $600,000 house, the estimated owner’s premium is $2,050. The first $100,000 of the home’s value costs $450, and the remaining $500,000 is calculated at the discounted second-tier rate to add $1,600.
How much is title insurance on a $700,000 house?
For a $700,000 house, the estimated owner’s premium is $2,370. This is based on the initial $450 base tier plus $1,920 to cover the subsequent $600,000 of the purchase price.
How much is title insurance on an $800,000 house?
For an $800,000 house, the estimated owner’s premium is $2,690. The calculation applies $450 for the first $100,000, and $2,240 for the remaining $700,000.
Title Insurance Calculator 2026: See Exact Paying
Want to know what the bank takes? Use our Title Insurance Calculator. It shows exactly what you're going to pay at closing. Big difference.
Price Currency: USD
Operating System: Any
Application Category: FinanceApplication
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