Texas-specific from day one
TDI-exact premiums
Texas promulgated rates, including the 6.2% reduction effective March 1, 2026.
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Rank for title searches in Harris, Dallas, Tarrant, Bexar and Travis counties.
Online order intake
Make it effortless for Texas Realtors and lenders to send you the file.
Built for Texas closings
Texas is one of only three states where title insurance premiums are promulgated — the Texas Department of Insurance sets the rate and every title agent in the state must charge exactly the same premium. The Commissioner ordered a 6.2% reduction to the basic premium rates effective March 1, 2026.
That changes what your website is for. When the price is fixed by rule, you cannot compete on premium, so the site has to compete on everything else: how fast a Realtor can open an order, whether a quote is available at midnight without a phone call, and whether you look like the safest pair of hands in the county.
- TDI promulgated premium rates, current schedule
- Rate Rule R-5 simultaneous-issue loan policy handling
- Seller net sheets accurate to Texas closings
- No state transfer tax — the math your site does not need
- Local SEO for your Texas county and city
- Online order intake for Texas Realtors and lenders
Why a promulgated-rate state changes your website's job
In a filed-rate state an agency can differentiate on price. In Texas it legally cannot — the Texas Department of Insurance promulgates the basic premium, and the agency down the road quotes the identical number. The Commissioner's most recent order reduced those basic rates by 6.2%, effective March 1, 2026.
So a Texas title website is not a price page. It is a proof-of-competence page. The calculator still matters enormously, but for a different reason: it shows a Realtor that you know the promulgated schedule cold and that they will get a straight answer from you without waiting on a callback.
The detail that separates a real Texas calculator from a national one is Rate Rule R-5. When an owner's and a loan policy are issued simultaneously on the same transaction, the loan policy premium is a flat $100 rather than a second full premium. A national calculator that stacks two full premiums produces a number that is wrong by thousands of dollars, and a Texas Realtor will notice.
Texas has no real estate transfer tax, and your calculator should say so
Texas does not levy a state real estate transfer tax on deeds. That is a genuine advantage worth stating plainly on your site, because buyers relocating from states that do levy one arrive expecting the charge and budget for it.
A closing cost calculator built for Texas should therefore show recording fees and the promulgated premium without a phantom transfer tax line — and it is worth naming the absence explicitly rather than silently omitting it, because a consumer comparing your estimate against an out-of-state calculator will otherwise assume yours is missing something.
Common questions
Are the calculators accurate for Texas?
Yes — they use the Texas Department of Insurance promulgated premium schedule, including Rate Rule R-5 simultaneous-issue handling, and we update them when TDI changes the rates.
Do Texas title agents all charge the same premium?
Yes. Texas is a promulgated-rate state, so TDI sets the basic premium and every agent must charge it. The Commissioner ordered a 6.2% reduction effective March 1, 2026.
Does Texas have a real estate transfer tax?
No. Texas does not impose a state transfer tax on deeds, so a Texas closing cost estimate should not carry one.
Can you target my specific Texas county?
Yes. We build county and city pages for the markets you actually close in, whether that is Harris, Bexar, Travis or a smaller rural county.
Do you already have a Texas calculator?
Yes — see our Texas title insurance calculator, built on the current TDI schedule.
Rate source: Texas Department of Insurance promulgated title premium rates effective March 1, 2026. Verify the current schedule at tdi.texas.gov before relying on any figure.
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We build for title agencies in all 50 states. Largest Texas markets we work in: Harris, Dallas, Tarrant, Bexar and Travis counties.