Wilmington, Delaware Title Insurance Cost
On the Wilmington median home price of $224,500, an owner's title policy costs about $946 and the lender's policy issued with it about $25, under the Delaware rate schedule. Median price source.
Wilmington title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $655 | $25 | $680 |
| $200,000 | $850 | $25 | $875 |
| $250,000 | $1,045 | $25 | $1,070 |
| $300,000 | $1,240 | $25 | $1,265 |
| $350,000 | $1,435 | $25 | $1,460 |
| $400,000 | $1,630 | $25 | $1,655 |
| $450,000 | $1,825 | $25 | $1,850 |
| $500,000 | $2,020 | $25 | $2,045 |
| $600,000 | $2,410 | $25 | $2,435 |
| $700,000 | $2,800 | $25 | $2,825 |
| $800,000 | $3,190 | $25 | $3,215 |
| $1,000,000 | $3,970 | $25 | $3,995 |
Delaware uses filed rates: underwriters file their rate manuals with the state insurance department, and the filed schedule below is what a policy costs; competing underwriters file similar or identical schedules.
Delaware title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Delaware rate schedule.
Who pays for the owner's policy
In Delaware the buyer customarily pays for the owner's policy. Buyer (purchaser) customarily pays for the owner's policy, per Stewart Title's Delaware Real Estate Practices reference. Source
Frequently asked questions
How much is title insurance in Wilmington?
On the Wilmington median home price of $224,500, an owner's policy costs about $946 and the lender's policy $25, about $971 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 Wilmington?
In Delaware the buyer customarily pays for the owner's policy. Buyer (purchaser) customarily pays for the owner's policy, per Stewart Title's Delaware Real Estate Practices reference. Source
Sources
- Delaware Title Insurance Rating Bureau (DTIRB) Rating Manual, approved by the Delaware Insurance Department, rates in force as of 09/01/2017 amendment (Sections 3.2 Original Owner's Rates, 3.6 Original Loan Rates, 3.12 Simultaneous Issue)
- Who pays for the owner's policy in Delaware
- 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.
Delaware 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.
Delaware title insurance