Ada County, Idaho Title Insurance Cost
On the Ada County median home price of $476,000, an owner's title policy costs about $1,817 and the lender's policy issued with it about $545, under the Idaho rate schedule. Median price source.
Ada County title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $858 | $257 | $1,115 |
| $200,000 | $1,028 | $308 | $1,336 |
| $250,000 | $1,198 | $359 | $1,557 |
| $300,000 | $1,368 | $410 | $1,778 |
| $350,000 | $1,496 | $449 | $1,945 |
| $400,000 | $1,623 | $487 | $2,110 |
| $450,000 | $1,751 | $525 | $2,276 |
| $500,000 | $1,878 | $563 | $2,441 |
Idaho 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.
Idaho title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Idaho rate schedule.
Who pays for the owner's policy
In Idaho the seller customarily pays for the owner's policy, so the figure below is usually the seller's cost; the buyer still pays the lender's policy. Under Idaho REALTORS' standard RE-21 purchase-and-sale agreement, the seller customarily pays the standard-coverage owner's policy premium and the buyer pays the lender's policy and any extended coverage/endorsements; contractual custom, not a statutory requirement. Source
Frequently asked questions
How much is title insurance in Ada County?
On the Ada County median home price of $476,000, an owner's policy costs about $1,817 and the lender's policy $545, about $2,362 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 Ada County?
In Idaho the seller customarily pays for the owner's policy, so the figure below is usually the seller's cost; the buyer still pays the lender's policy. Under Idaho REALTORS' standard RE-21 purchase-and-sale agreement, the seller customarily pays the standard-coverage owner's policy premium and the buyer pays the lender's policy and any extended coverage/endorsements; contractual custom, not a statutory requirement. Source
Nearby Idaho counties
- Adams County $327,300
- Bannock County $267,200
- Bear Lake County $234,200
Sources
- First American Title Insurance Company Idaho Basic Title Insurance Rates, effective April 11, 2024 (distributed by an independent First American policy-issuing agent)
- Who pays for the owner's policy in Idaho
- 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.
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Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Idaho title insurance