Apple Valley, Minnesota Title Insurance Cost
On the Apple Valley median home price of $354,200, an owner's title policy costs about $1,164 and the lender's policy issued with it about $150, under the Minnesota rate schedule. Median price source.
Apple Valley title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $525 | $150 | $675 |
| $200,000 | $700 | $150 | $850 |
| $250,000 | $875 | $150 | $1,025 |
| $300,000 | $1,013 | $150 | $1,163 |
| $350,000 | $1,150 | $150 | $1,300 |
| $400,000 | $1,288 | $150 | $1,438 |
| $450,000 | $1,425 | $150 | $1,575 |
| $500,000 | $1,563 | $150 | $1,713 |
| $600,000 | $1,788 | $150 | $1,938 |
| $700,000 | $2,013 | $150 | $2,163 |
| $800,000 | $2,238 | $150 | $2,388 |
| $1,000,000 | $2,688 | $150 | $2,838 |
Minnesota uses filed rates: underwriters file their rate manuals with the state insurance department, and the filed schedule below is what a policy costs; competing underwriters file similar or identical schedules.
Minnesota title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Minnesota rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Minnesota is negotiable in the purchase contract. The manual sets premiums only; Minnesota has no statute assigning the owner's-policy cost, so it is set by local custom (Twin Cities-area custom commonly has the seller pay, but this is not universal) and the purchase contract. Source
Frequently asked questions
How much is title insurance in Apple Valley?
On the Apple Valley median home price of $354,200, an owner's policy costs about $1,164 and the lender's policy $150, about $1,314 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 Apple Valley?
Who pays for the owner's policy in Minnesota is negotiable in the purchase contract. The manual sets premiums only; Minnesota has no statute assigning the owner's-policy cost, so it is set by local custom (Twin Cities-area custom commonly has the seller pay, but this is not universal) and the purchase contract. Source
Nearby Minnesota cities
- Blaine $327,500
- Bloomington $346,200
- Brooklyn Park $313,500
Sources
- WFG National Title Insurance Company, State of Minnesota Rate Manual, effective October 15, 2025
- Who pays for the owner's policy in Minnesota
- 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.
Minnesota title insurance