Texas title insurance calculator
Texas title insurance premiums are promulgated: the Texas Department of Insurance sets one basic premium for every policy. Under the rates effective March 1, 2026, an owner's policy on a $400,000 home costs $2,262, and a loan policy issued at the same closing costs $100. Enter your price and loan to see the premium, including the $3 per policy guaranty fee.
| Policy | Premium |
|---|---|
| Owner's policy (basic premium) | $2,262.00 |
| Loan policy issued with the owner's policy (R-5) | $100.00 |
| Guaranty fee ($3 per policy, closings after September 30, 2026) | $6.00 |
| Estimated total premium | $2,368.00 |
Endorsements a lender requires are priced separately by the Basic Manual, and other closing fees can differ between companies.
Estimate from the Texas Title Insurance Basic Premium Rates (Rate Rule R-1) and Rate Rule R-5, effective March 1, 2026. Who pays each policy is set by the purchase contract. Your closing disclosure is the final word.
Before you close: see the owner of record, open mortgages, liens and lis pendens on the property in an AI title search.SearchWhat the Texas basic premium includes
Rate Rule R-1 says the basic premium rates include the charge for title insurance, title examination and closing the transaction. Endorsements a lender asks for are priced separately by the Basic Manual. For a whole-cost picture, the Texas closing cost calculator adds the commission, recording fees and the seller's net. Texas has no real estate transfer tax.
Texas title insurance rates
Promulgated: the Texas Department of Insurance sets one basic premium that every title company charges. A loan policy issued with the owner's policy costs $100. Rate schedule: Texas Title Insurance Basic Premium Rates (Rate Rule R-1) and Rate Rule R-5, effective March 1, 2026.
| Policy amount | Basic premium | Owner's or loan policy |
|---|---|---|
| Up to $25,000 | $308 (minimum) | Chart in $500 steps to $100,000 ($780) |
| $100,001 to $1,000,000 | $780 + 4.94 per $1,000 over $100,000 | Same basic premium |
| $1,000,001 to $5,000,000 | $5,226 + 4.06 per $1,000 over $1,000,000 | Same basic premium |
| $5,000,001 to $15,000,000 | $21,466 + 3.35 per $1,000 over $5,000,000 | Same basic premium |
| $15,000,001 to $25,000,000 | $54,966 + 2.38 per $1,000 over $15,000,000 | Same basic premium |
| $25,000,001 to $50,000,000 | $78,766 + 1.43 per $1,000 over $25,000,000 | Same basic premium |
| $50,000,001 to $100,000,000 | $114,516 + 1.29 per $1,000 over $50,000,000 | Same basic premium |
| Over $100,000,000 | $179,016 + 1.16 per $1,000 over $100,000,000 | Same basic premium |
| Price / loan | Owner's policy | Loan policy with it | Loan policy alone |
|---|---|---|---|
| $150,000 / $120,000 | $1,027.00 | $100.00 | $879.00 |
| $250,000 / $200,000 | $1,521.00 | $100.00 | $1,274.00 |
| $400,000 / $320,000 | $2,262.00 | $100.00 | $1,867.00 |
| $600,000 / $480,000 | $3,250.00 | $100.00 | $2,657.00 |
| $1,000,000 / $800,000 | $5,226.00 | $100.00 | $4,238.00 |
Examples assume a loan of 80% of the price. "Loan policy with it" is the simultaneous-issue premium; "alone" is a refinance or a loan policy issued without an owner's policy.
Questions
How much is title insurance in Texas?
Under the Texas Department of Insurance basic premium rates effective March 1, 2026, an owner's policy costs $780 on $100,000, $1,768 on $300,000, $2,262 on $400,000 and $5,226 on $1,000,000. A loan policy issued at the same closing is $100. From closings after September 30, 2026 each policy also carries a $3 guaranty fee.
Do all Texas title companies charge the same premium?
Yes for the premium. The Texas Department of Insurance promulgates one schedule of basic premium rates that applies to every policy, and every Texas title company charges the same rates for title insurance. Other closing cost fees can differ between companies.
How is the Texas premium calculated above $100,000?
Find the range that includes the policy amount, subtract the start of the range, multiply by the range factor and round to the nearest dollar, then add the fixed amount. For $400,000: 300,000 times 0.00494 is $1,482, plus $780 is $2,262.
What does the simultaneous issue rule (R-5) say?
When an owner's policy and loan policies are issued at the same time, bear the same date, cover the same land, the owner's policy lists the insured lien as an exception and the loan does not exceed the owner's amount, the owner's policy is at the basic rate and each loan policy is $100. If the loans exceed the owner's amount, the loan premium is the basic rate on the loans minus the basic rate on the owner's policy, plus $100 per loan policy.
What is the minimum title insurance premium in Texas?
$308, the basic premium for any policy up to and including $25,000 in the rate chart effective March 1, 2026.
Who pays for the owner's title policy in Texas?
The purchase contract says who pays, so choose that side in the closing cost calculator. The premium is the same either way.
More free calculators: Title insurance calculator, Seller net sheet, Transfer tax calculator, Flood zone lookup.
Legal references
- Texas Department of Insurance, Basic Manual Section III, Rate Rule R-1 (basic premium rates)
- Texas Department of Insurance, Basic Manual Section III, Rate Rule R-5 (simultaneous issuance)
Rates checked 2026-10-19 against the published rate schedules. Estimate only, not legal, tax or insurance advice. HeritageDeed does not sell title insurance and does not refer anyone to a title company; the premium on your closing disclosure is the final word.
Know what is recorded against the property before you close
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.