Franklin County, Alabama Title Insurance Cost
On the Franklin County median home price of $128,000, an owner's title policy costs about $381 and the lender's policy issued with it about $125, under the Alabama rate schedule. Median price source.
Franklin County title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $425 | $125 | $550 |
| $200,000 | $525 | $125 | $650 |
| $250,000 | $625 | $125 | $750 |
| $300,000 | $725 | $125 | $850 |
| $350,000 | $825 | $125 | $950 |
| $400,000 | $925 | $125 | $1,050 |
| $450,000 | $1,025 | $125 | $1,150 |
| $500,000 | $1,125 | $125 | $1,250 |
| $600,000 | $1,325 | $125 | $1,450 |
| $700,000 | $1,525 | $125 | $1,650 |
| $800,000 | $1,725 | $125 | $1,850 |
| $1,000,000 | $2,125 | $125 | $2,250 |
Alabama uses filed rates: each underwriter files its own rate manual with the state insurance department, so premiums differ by a few hundred dollars from one title company to another. The schedule below is one underwriter's filed rate.
Alabama title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Alabama rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Alabama varies by county and by contract. No official statewide source found stating whether buyer or seller customarily pays the owner's policy premium in Alabama; left unspecified rather than guessed (same conclusion as data/closing/alabama.json).
Frequently asked questions
How much is title insurance in Franklin County?
On the Franklin County median home price of $128,000, an owner's policy costs about $381 and the lender's policy $125, about $506 for both. The rate schedule is filed statewide, so what changes from county to county is the home price, not the rate.
Who pays for title insurance in Franklin County?
Who pays for the owner's policy in Alabama varies by county and by contract. No official statewide source found stating whether buyer or seller customarily pays the owner's policy premium in Alabama; left unspecified rather than guessed (same conclusion as data/closing/alabama.json).
Nearby Alabama counties
- Escambia County $122,700
- Etowah County $160,600
- Fayette County $121,200
- Geneva County $120,200
- Greene County $86,400
- Hale County $126,300
Sources
- WFG National Title Insurance Company, State of Alabama Manual of Title Insurance Premiums, effective September 2, 2024 (filed with the Alabama Dept. of Insurance under Ala. Code 27-25-6), Section 3 Basic Rate Table
- U.S. Census Bureau, American Community Survey 2019-2023 5-year estimates, table B25077 (median value of owner-occupied housing units) and B01003 (total population)
Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
Alabama title insurance at every price →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Alabama title insurance