McCreary County, Kentucky Title Insurance Cost
On the McCreary County median home price of $77,000, an owner's title policy costs about $385 and the lender's policy issued with it about $200, under the Kentucky rate schedule. Median price source.
McCreary County title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $680 | $200 | $880 |
| $200,000 | $860 | $200 | $1,060 |
| $250,000 | $1,040 | $200 | $1,240 |
| $300,000 | $1,220 | $200 | $1,420 |
| $350,000 | $1,400 | $200 | $1,600 |
| $400,000 | $1,580 | $200 | $1,780 |
| $450,000 | $1,760 | $200 | $1,960 |
| $500,000 | $1,940 | $200 | $2,140 |
| $600,000 | $2,250 | $200 | $2,450 |
| $700,000 | $2,560 | $200 | $2,760 |
| $800,000 | $2,870 | $200 | $3,070 |
| $1,000,000 | $3,490 | $200 | $3,690 |
Kentucky 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.
Kentucky title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Kentucky rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Kentucky is negotiable in the purchase contract. The rate schedule sets premiums only, not who pays; Kentucky has no statute assigning the owner's-policy cost, so it is set by local custom (which varies by county) and the purchase contract. Source
Frequently asked questions
How much is title insurance in McCreary County?
On the McCreary County median home price of $77,000, an owner's policy costs about $385 and the lender's policy $200, about $585 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 McCreary County?
Who pays for the owner's policy in Kentucky is negotiable in the purchase contract. The rate schedule sets premiums only, not who pays; Kentucky has no statute assigning the owner's-policy cost, so it is set by local custom (which varies by county) and the purchase contract. Source
Nearby Kentucky counties
- Martin County $84,900
- Mason County $157,500
- McCracken County $182,900
- McLean County $145,600
- Meade County $195,000
- Menifee County $111,500
Sources
- First American Title Insurance Company, Kentucky Schedule of Title Insurance Rates, effective May 5, 2024 (filed with the Kentucky Department of Insurance)
- Who pays for the owner's policy in Kentucky
- 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.
Kentucky title insurance