Title Insurance on a $250,000 Home in Maryland
An owner's title policy on a $250,000 purchase in Maryland costs about $1,353, and the lender's policy issued with it about $350, $1,703 for both. The owner's policy rate is $5.41 per $1,000 up to $250,000, $4.62 per $1,000 from $250,000 to $500,000, $3.94 per $1,000 from $500,000 to $1,000,000, $3.10 per $1,000 from $1,000,000 to $5,000,000, $1.75 per $1,000 from $5,000,000 to $15,000,000, $1.63 per $1,000 above $15,000,000, with a minimum premium of $350 (the price is rounded up to the next $1,000).
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $812 | $350 | $1,162 |
| $200,000 | $1,082 | $350 | $1,432 |
| $250,000 | $1,353 | $350 | $1,703 |
| $300,000 | $1,584 | $350 | $1,934 |
| $350,000 | $1,815 | $350 | $2,165 |
| $400,000 | $2,046 | $350 | $2,396 |
| $450,000 | $2,277 | $350 | $2,627 |
| $500,000 | $2,508 | $350 | $2,858 |
| $600,000 | $2,902 | $350 | $3,252 |
| $700,000 | $3,296 | $350 | $3,646 |
| $800,000 | $3,690 | $350 | $4,040 |
| $1,000,000 | $4,478 | $350 | $4,828 |
Maryland title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Maryland rate schedule.
Who pays
Who pays for the owner's policy in Maryland is negotiable in the purchase contract. Per the Maryland Insurance Administration's consumer guide, who pays for the owner's policy depends on local custom and is negotiable in the contract of sale; many Maryland-DC-metro contracts have the seller pay, but this is not a statutory requirement. Source
Frequently asked questions
How much is title insurance on a $250,000 house in Maryland?
About $1,353 for the owner's policy and $350 for the lender's policy when both are issued at closing, $1,703 in total, computed from the Maryland rate schedule. The owner's policy rate is $5.41 per $1,000 up to $250,000, $4.62 per $1,000 from $250,000 to $500,000, $3.94 per $1,000 from $500,000 to $1,000,000, $3.10 per $1,000 from $1,000,000 to $5,000,000, $1.75 per $1,000 from $5,000,000 to $15,000,000, $1.63 per $1,000 above $15,000,000, with a minimum premium of $350 (the price is rounded up to the next $1,000).
Who pays for title insurance in Maryland?
Who pays for the owner's policy in Maryland is negotiable in the purchase contract. Per the Maryland Insurance Administration's consumer guide, who pays for the owner's policy depends on local custom and is negotiable in the contract of sale; many Maryland-DC-metro contracts have the seller pay, but this is not a statutory requirement. Source
Sources
- Stewart Title Guaranty Company, Maryland Schedule of Charges and Forms, effective 11/24/2025 (filed with the Maryland Insurance Administration)
- Who pays for the owner's policy in Maryland
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.
Maryland title insurance overview → All Maryland buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Maryland title insurance