Montgomery County, Maryland Title Insurance Cost
On the Montgomery County median home price of $640,300, an owner's title policy costs about $3,063 and the lender's policy issued with it about $350, under the Maryland rate schedule. Median price source.
Montgomery County title insurance by purchase price
| 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 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.
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 for the owner's policy
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 in Montgomery County?
On the Montgomery County median home price of $640,300, an owner's policy costs about $3,063 and the lender's policy $350, about $3,413 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 Montgomery County?
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
Nearby Maryland counties
- Harford County $367,300
- Howard County $576,700
- Kent County $307,100
- Prince George's County $404,300
- Queen Anne's County $441,800
- Somerset County $164,300
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
- U.S. Census Bureau QuickFacts, Montgomery County, Maryland - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year)
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 at every price → Montgomery 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.
Maryland title insurance