Miami-Dade County, Florida Title Insurance Cost
On the Miami-Dade County median home price of $680,000, an owner's title policy costs about $3,475 and the lender's policy issued with it about $25, under the Florida rate schedule. Median price source.
Miami-Dade County title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $825 | $25 | $850 |
| $200,000 | $1,075 | $25 | $1,100 |
| $250,000 | $1,325 | $25 | $1,350 |
| $300,000 | $1,575 | $25 | $1,600 |
| $350,000 | $1,825 | $25 | $1,850 |
| $400,000 | $2,075 | $25 | $2,100 |
| $450,000 | $2,325 | $25 | $2,350 |
| $500,000 | $2,575 | $25 | $2,600 |
| $600,000 | $3,075 | $25 | $3,100 |
| $700,000 | $3,575 | $25 | $3,600 |
| $800,000 | $4,075 | $25 | $4,100 |
| $1,000,000 | $5,075 | $25 | $5,100 |
Florida is a promulgated-rate state: the insurance regulator sets one title insurance rate that every underwriter must charge, so the premium is the same wherever you close.
Florida title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Florida rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Florida varies by county and by contract. Not fixed by statute; determined by FAR/BAR contract custom. In most of Florida the SELLER customarily pays for the owner's title policy; in several Southeast Florida counties (most notably Miami-Dade, and commonly Broward and Collier), local custom shifts this to the BUYER. Confirm local custom per county before publishing a single statewide answer.
Frequently asked questions
How much is title insurance in Miami-Dade County?
On the Miami-Dade County median home price of $680,000, an owner's policy costs about $3,475 and the lender's policy $25, about $3,500 for both. Florida sets one rate statewide, so the county does not change the premium, only the price does.
Who pays for title insurance in Miami-Dade County?
Who pays for the owner's policy in Florida varies by county and by contract. Not fixed by statute; determined by FAR/BAR contract custom. In most of Florida the SELLER customarily pays for the owner's title policy; in several Southeast Florida counties (most notably Miami-Dade, and commonly Broward and Collier), local custom shifts this to the BUYER. Confirm local custom per county before publishing a single statewide answer.
Nearby Florida counties
- Manatee County $359,800
- Marion County $220,800
- Martin County $386,500
- Monroe County $723,800
- Nassau County $351,100
- Okaloosa County $324,800
Sources
- Fla. Admin. Code R. 69O-186.003, Title Insurance Rates (Office of Insurance Regulation, promulgated under Fla. Stat. 627.782), rule text effective 01/27/2002, current version
- MIAMI REALTORS - Miami-Dade single-family home median sale price, May 2026
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.
Florida title insurance at every price → Miami-Dade County first-time buyer programs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Florida title insurance