Arkansas Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $270,300 Arkansas home costs about $750, and the lender's policy issued with it about $50, under the filed rate schedule. The owner's policy rate is $3.75 per $1,000 up to $20,000, $4 per $1,000 from $20,000 to $50,000, $3.40 per $1,000 from $50,000 to $100,000, $2.25 per $1,000 from $100,000 to $500,000, $2 per $1,000 from $500,000 to $10,000,000, $1.75 per $1,000 from $10,000,000 to $15,000,000, $1.40 per $1,000 above $15,000,000, with a minimum premium of $75 (the price is rounded up to the next $1,000).
Arkansas title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $478 | $50 | $528 |
| $200,000 | $590 | $50 | $640 |
| $250,000 | $703 | $50 | $753 |
| $300,000 | $815 | $50 | $865 |
| $350,000 | $928 | $50 | $978 |
| $400,000 | $1,040 | $50 | $1,090 |
| $450,000 | $1,153 | $50 | $1,203 |
| $500,000 | $1,265 | $50 | $1,315 |
| $600,000 | $1,465 | $50 | $1,515 |
| $700,000 | $1,665 | $50 | $1,715 |
| $800,000 | $1,865 | $50 | $1,915 |
| $1,000,000 | $2,265 | $50 | $2,315 |
Arkansas 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. Schedule shown: Stewart Title Guaranty Company.
Arkansas title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Arkansas rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Arkansas is negotiable in the purchase contract. No official source found stating whether buyer or seller customarily pays the owner's policy premium in Arkansas; left unspecified. The closing file's prior facc.firstam.com note ('buyer, First American's calculator default for Pulaski County') is a calculator default, not a documented custom, and is not carried over here.
When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $50); that is the lender figure used on this page.
Title insurance at the county median price
The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Arkansas county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Benton County | $285,100 | $784 |
| Craighead County | $198,700 | $588 |
| Faulkner County | $211,300 | $617 |
| Garland County | $176,400 | $538 |
| Lonoke County | $184,100 | $556 |
| Pulaski County | $199,600 | $590 |
| Saline County | $211,700 | $617 |
| Sebastian County | $166,000 | $514 |
| Washington County | $266,000 | $739 |
| White County | $159,600 | $500 |
All 75 Arkansas counties
- Arkansas County
- Ashley County
- Baxter County
- Benton County
- Boone County
- Bradley County
- Calhoun County
- Carroll County
- Chicot County
- Clark County
- Clay County
- Cleburne County
- Cleveland County
- Columbia County
- Conway County
- Craighead County
- Crawford County
- Crittenden County
- Cross County
- Dallas County
- Desha County
- Drew County
- Faulkner County
- Franklin County
- Fulton County
- Garland County
- Grant County
- Greene County
- Hempstead County
- Hot Spring County
- Howard County
- Independence County
- Izard County
- Jackson County
- Jefferson County
- Johnson County
- Lafayette County
- Lawrence County
- Lee County
- Lincoln County
- Little River County
- Logan County
- Lonoke County
- Madison County
- Marion County
- Miller County
- Mississippi County
- Monroe County
- Montgomery County
- Nevada County
- Newton County
- Ouachita County
- Perry County
- Phillips County
- Pike County
- Poinsett County
- Polk County
- Pope County
- Prairie County
- Pulaski County
- Randolph County
- Saline County
- Scott County
- Searcy County
- Sebastian County
- Sevier County
- Sharp County
- St. Francis County
- Stone County
- Union County
- Van Buren County
- Washington County
- White County
- Woodruff County
- Yell County
Title insurance in Arkansas cities
| City | Median home price | Owner's policy |
|---|---|---|
| Little Rock | $221,200 | $640 |
| Fayetteville | $322,500 | $867 |
| Fort Smith | $168,100 | $520 |
| Springdale | $237,200 | $676 |
| Jonesboro | $213,400 | $622 |
| Rogers | $278,000 | $766 |
| Conway | $234,600 | $669 |
| North Little Rock | $169,500 | $523 |
| Bentonville | $370,700 | $975 |
What the two policies cover
The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.
Frequently asked questions
How much is title insurance in Arkansas?
On a $270,300 home, the Arkansas median, an owner's title policy costs about $750 under the filed rate schedule, and the lender's policy issued with it costs $50, so both policies together are about $800. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.
Who pays for title insurance in Arkansas?
Who pays for the owner's policy in Arkansas is negotiable in the purchase contract. No official source found stating whether buyer or seller customarily pays the owner's policy premium in Arkansas; left unspecified. The closing file's prior facc.firstam.com note ('buyer, First American's calculator default for Pulaski County') is a calculator default, not a documented custom, and is not carried over here.
Is title insurance a one-time cost?
Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.
Can I shop for title insurance in Arkansas?
Yes. Arkansas underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.
Sources
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.
See all Arkansas buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.
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