Title Insurance on a $500,000 Home in Montana
An owner's title policy on a $500,000 purchase in Montana costs about $1,470, and the lender's policy issued with it about $75, $1,545 for both. The owner's policy rate is a flat $181 up to $15,000, $5.25 per $1,000 from $15,000 to $30,000, $5 per $1,000 from $30,000 to $50,000, $4.25 per $1,000 from $50,000 to $100,000, $2.39 per $1,000 from $100,000 to $300,000, $2.10 per $1,000 from $300,000 to $1,000,000, $1.75 per $1,000 from $1,000,000 to $5,000,000, $1.50 per $1,000 from $5,000,000 to $10,000,000, $1.25 per $1,000 above $10,000,000, with a minimum premium of $181 (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 | $691 | $75 | $766 |
| $200,000 | $811 | $75 | $886 |
| $250,000 | $930 | $75 | $1,005 |
| $300,000 | $1,050 | $75 | $1,125 |
| $350,000 | $1,155 | $75 | $1,230 |
| $400,000 | $1,260 | $75 | $1,335 |
| $450,000 | $1,365 | $75 | $1,440 |
| $500,000 | $1,470 | $75 | $1,545 |
| $600,000 | $1,680 | $75 | $1,755 |
| $700,000 | $1,890 | $75 | $1,965 |
| $800,000 | $2,100 | $75 | $2,175 |
| $1,000,000 | $2,520 | $75 | $2,595 |
Montana title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Montana rate schedule.
Who pays
Who pays for the owner's policy in Montana is negotiable in the purchase contract. Montana has no statute assigning the owner's-policy cost; the manual sets premiums only, not who pays, so this is set by local custom and the purchase contract. Source
Frequently asked questions
How much is title insurance on a $500,000 house in Montana?
About $1,470 for the owner's policy and $75 for the lender's policy when both are issued at closing, $1,545 in total, computed from the Montana rate schedule. The owner's policy rate is a flat $181 up to $15,000, $5.25 per $1,000 from $15,000 to $30,000, $5 per $1,000 from $30,000 to $50,000, $4.25 per $1,000 from $50,000 to $100,000, $2.39 per $1,000 from $100,000 to $300,000, $2.10 per $1,000 from $300,000 to $1,000,000, $1.75 per $1,000 from $1,000,000 to $5,000,000, $1.50 per $1,000 from $5,000,000 to $10,000,000, $1.25 per $1,000 above $10,000,000, with a minimum premium of $181 (the price is rounded up to the next $1,000).
Who pays for title insurance in Montana?
Who pays for the owner's policy in Montana is negotiable in the purchase contract. Montana has no statute assigning the owner's-policy cost; the manual sets premiums only, not who pays, so this is set by local custom and the purchase contract. Source
Sources
- WFG National Title Insurance Company, State of Montana Manual of Title Insurance Premiums, effective December 1, 2022 (filed with the Montana Commissioner of Securities and Insurance under MCA 33-25-212)
- Who pays for the owner's policy in Montana
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.
Montana title insurance overview → All Montana buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Montana title insurance