Honolulu County, Hawaii Title Insurance Cost
On the Honolulu County median home price of $873,000, an owner's title policy costs about $3,724 and the lender's policy issued with it about $250, under the Hawaii rate schedule. Median price source.
Honolulu County title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $1,032 | $250 | $1,282 |
| $200,000 | $1,032 | $250 | $1,282 |
| $250,000 | $1,471 | $250 | $1,721 |
| $300,000 | $1,471 | $250 | $1,721 |
| $350,000 | $1,911 | $250 | $2,161 |
| $400,000 | $1,911 | $250 | $2,161 |
| $450,000 | $2,325 | $250 | $2,575 |
| $500,000 | $2,325 | $250 | $2,575 |
| $600,000 | $2,714 | $250 | $2,964 |
| $700,000 | $3,077 | $250 | $3,327 |
| $800,000 | $3,413 | $250 | $3,663 |
| $1,000,000 | $4,012 | $250 | $4,262 |
Hawaii 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.
Hawaii title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Hawaii rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Hawaii varies by county and by contract. This First American schedule itself prints a customary 60% Seller's Portion / 40% Buyer's Portion split of the Basic Rate (Owner's Policy charge) for Oahu resale transactions, i.e. Hawaii custom (at least on Oahu) has BOTH parties contribute to the owner's premium, not one party paying it in full. The Base Escrow Rate (a separate closing fee) is split 50/50. Practice may vary by island/county; not independently confirmed beyond this one underwriter's posted sheet. Source
Frequently asked questions
How much is title insurance in Honolulu County?
On the Honolulu County median home price of $873,000, an owner's policy costs about $3,724 and the lender's policy $250, about $3,974 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 Honolulu County?
Who pays for the owner's policy in Hawaii varies by county and by contract. This First American schedule itself prints a customary 60% Seller's Portion / 40% Buyer's Portion split of the Basic Rate (Owner's Policy charge) for Oahu resale transactions, i.e. Hawaii custom (at least on Oahu) has BOTH parties contribute to the owner's premium, not one party paying it in full. The Base Escrow Rate (a separate closing fee) is split 50/50. Practice may vary by island/county; not independently confirmed beyond this one underwriter's posted sheet. Source
Nearby Hawaii counties
- Hawaii County $486,400
- Kauai County $817,900
- Maui County $858,600
Sources
- First American Title Insurance Company, Hawaii Summary of Title Insurance Rates and Fees, effective 01.15.26 (posted rate schedule for use in resale closings of one-to-four family residential property; not First American's complete internal Schedule of Fees)
- Who pays for the owner's policy in Hawaii
- 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.
Hawaii 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.
Hawaii title insurance