Title Insurance on a $450,000 Home in New Jersey
An owner's title policy on a $450,000 purchase in New Jersey costs about $2,013, and the lender's policy issued with it about $25, $2,038 for both. The owner's policy rate is $5.25 per $1,000 up to $100,000, $4.25 per $1,000 from $100,000 to $500,000, $2.75 per $1,000 from $500,000 to $2,000,000, $2 per $1,000 above $2,000,000, with a minimum premium of $200.
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $738 | $25 | $763 |
| $200,000 | $950 | $25 | $975 |
| $250,000 | $1,163 | $25 | $1,188 |
| $300,000 | $1,375 | $25 | $1,400 |
| $350,000 | $1,588 | $25 | $1,613 |
| $400,000 | $1,800 | $25 | $1,825 |
| $450,000 | $2,013 | $25 | $2,038 |
| $500,000 | $2,225 | $25 | $2,250 |
| $600,000 | $2,500 | $25 | $2,525 |
| $700,000 | $2,775 | $25 | $2,800 |
| $800,000 | $3,050 | $25 | $3,075 |
| $1,000,000 | $3,600 | $25 | $3,625 |
New Jersey title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed New Jersey rate schedule.
Who pays
Who pays for the owner's policy in New Jersey is negotiable in the purchase contract. The Rating Bureau's manual sets premiums, not who pays; New Jersey custom (which commonly has the buyer pay) and the purchase contract decide, and it is not set by statute. Source
Frequently asked questions
How much is title insurance on a $450,000 house in New Jersey?
About $2,013 for the owner's policy and $25 for the lender's policy when both are issued at closing, $2,038 in total, computed from the New Jersey rate schedule. The owner's policy rate is $5.25 per $1,000 up to $100,000, $4.25 per $1,000 from $100,000 to $500,000, $2.75 per $1,000 from $500,000 to $2,000,000, $2 per $1,000 above $2,000,000, with a minimum premium of $200.
Who pays for title insurance in New Jersey?
Who pays for the owner's policy in New Jersey is negotiable in the purchase contract. The Rating Bureau's manual sets premiums, not who pays; New Jersey custom (which commonly has the buyer pay) and the purchase contract decide, and it is not set by statute. Source
Sources
- New Jersey Land Title Insurance Rating Bureau, Manual of Rates and Charges, dated effective September 1, 2019 (this filed schedule remained in force as of the 2026 read; data/closing/new-jersey.json's source note describes the same figures as 'current schedule effective 11/1/2023', likely a later re-filing/re-approval of the identical rates rather than a rate change)
- Who pays for the owner's policy in New Jersey
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.
New Jersey title insurance overview → All New Jersey buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
New Jersey title insurance