Mississippi Title Insurance Cost: What an Owner's and Lender's Policy Costs

An owner's title insurance policy on a $265,200 Mississippi home costs about $898, and the lender's policy issued with it about $50, under the filed rate schedule. The owner's policy rate is $4 per $1,000 up to $100,000, $3 per $1,000 from $100,000 to $1,000,000, $2 per $1,000 from $1,000,000 to $10,000,000, $1.50 per $1,000 from $10,000,000 to $15,000,000, $1.25 per $1,000 above $15,000,000, with a minimum premium of $75 (the price is rounded up to the next $1,000).

Mississippi title insurance by purchase price

Purchase price	Owner's policy	Lender's policy (issued together)	Both policies
$150,000	$550	$50	$600
$200,000	$700	$50	$750
$250,000	$850	$50	$900
$300,000	$1,000	$50	$1,050
$350,000	$1,150	$50	$1,200
$400,000	$1,300	$50	$1,350
$450,000	$1,450	$50	$1,500
$500,000	$1,600	$50	$1,650
$600,000	$1,900	$50	$1,950
$700,000	$2,200	$50	$2,250
$800,000	$2,500	$50	$2,550
$1,000,000	$3,100	$50	$3,150

Mississippi 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. Schedule shown: First National Title Insurance Company (FNTI).

Mississippi title insurance calculator

Enter a purchase price to see the owner's and lender's policy premiums from the filed Mississippi rate schedule.

Who pays for the owner's policy

Who pays for the owner's policy in Mississippi is negotiable in the purchase contract. The manual sets premiums but not who pays; Mississippi has no statute assigning the owner's policy cost, so it is set by local custom and the purchase contract. Source

When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $50); that is the lender figure used on this page.

Title insurance at the county median price

The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Mississippi county is in the list below.

County	Median home price	Owner's policy
DeSoto County	$248,700	$847
Forrest County	$152,900	$559
Harrison County	$199,300	$700
Hinds County	$151,200	$556
Jackson County	$181,700	$646
Jones County	$126,800	$481
Lauderdale County	$124,500	$475
Lee County	$187,800	$664
Madison County	$286,300	$961
Rankin County	$223,400	$772

All 82 Mississippi counties

Title insurance in Mississippi cities

City	Median home price	Owner's policy
Jackson	$108,200	$427
Gulfport	$167,100	$604
Southaven	$214,800	$745

What the two policies cover

The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.

Frequently asked questions

How much is title insurance in Mississippi?

On a $265,200 home, the Mississippi median, an owner's title policy costs about $898 under the filed rate schedule, and the lender's policy issued with it costs $50, so both policies together are about $948. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.

Who pays for title insurance in Mississippi?

Is title insurance a one-time cost?

Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.

Can I shop for title insurance in Mississippi?

Yes. Mississippi underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.

Sources

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.

See all Mississippi buyer closing costs →

Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.

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