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Estimated title charges
Estimate only. Owner's policy computed from the TDI basic premium schedule effective 1 March 2026. Loan policy shown at the Rate Rule R-5 simultaneous-issue rate, which applies where the loan does not exceed the owner's policy amount; a larger loan carries additional premium. Excludes endorsements, escrow and settlement fees, survey, recording, and any lender charges.
Want this calculator on your own site?
If you run a title agency or a real estate practice in Texas, you can embed this exact calculator on your website free — your branding, your colors, your leads. We keep the rate tables current so yours never goes stale when the Texas Department of Insurance changes them.
How Texas title insurance rates work
Texas is a promulgated rate state. The Department of Insurance sets one basic premium schedule that every title agency in Texas must use — so shopping around cannot change the premium, only the escrow and settlement fees charged alongside it.
Above $100,000 the premium is computed in tiers: subtract the bracket floor from the policy amount, multiply by the bracket rate, and add the bracket base. A $300,000 owner's policy, for example, is ($300,000 − $100,000) × 0.00494 + $780 = $1,768.
The published minimum is $308, on a $25,000 policy. Between $25,000 and $100,000 TDI publishes a table in $500 steps; the figures below in that range are computed at $6.293 per $1,000 above $25,000, which reproduces every published anchor point to within a dollar — confirm exact sub-$100,000 premiums against the TDI schedule.
| Policy amount | Owner's policy premium |
|---|---|
| $100,000 | $780 |
| $200,000 | $1,274 |
| $300,000 | $1,768 |
| $400,000 | $2,262 |
| $500,000 | $2,756 |
| $750,000 | $3,991 |
| $1,000,000 | $5,226 |
Figures computed from the Texas Department of Insurance schedule effective March 1, 2026. Source: Texas Department of Insurance.
Who pays for title insurance in Texas?
By custom in most of Texas the seller pays for the owner's policy and the buyer pays for the lender's policy. It is a convention, not a rule — the sales contract decides, and in some counties and on some transactions the parties agree otherwise.
Where an owner's policy and a loan policy are issued at the same closing, Rate Rule R-5 sets the loan policy premium at $100 provided the loan does not exceed the owner's policy amount. That is why the lender's coverage costs so little in a purchase but is charged at full rate on a refinance.
Texas levies no state or local real estate transfer tax, which is unusual — most states charge one. Budget instead for recording fees, survey, and the escrow fee.
Frequently asked questions
How much is title insurance on a $300,000 house in Texas?
$1,768 for the owner's policy, under the TDI basic premium schedule effective 1 March 2026. If the buyer is financing and the loan does not exceed the sales price, the lender's policy adds $100 under Rate Rule R-5.
Do all Texas title companies charge the same for title insurance?
Yes. Texas promulgates its title insurance rates, so the basic premium is identical at every agency in the state. Escrow fees, settlement fees and endorsements are not promulgated and do vary.
Who pays for title insurance in Texas, the buyer or the seller?
Customarily the seller pays for the owner's policy and the buyer pays for the lender's policy. It is negotiable and the contract controls.
Does Texas have a real estate transfer tax?
No. Texas is one of a small number of states with no state or local real estate transfer tax.
Why did Texas title insurance rates go down in 2026?
The Texas Department of Insurance ordered a 6.2% reduction to the basic premium rates following its December 2025 rate hearing. The lower rates apply to policies issued on or after 1 March 2026.
Can I put this Texas calculator on my own title agency website?
Yes. Title Engine provides the calculator as a free embed for title agencies and real estate law firms, branded to your site, and we keep the rate tables current when the Department of Insurance changes them.