Mercer County, New Jersey Title Insurance Cost
On the Mercer County median home price of $351,000, an owner's title policy costs about $1,592 and the lender's policy issued with it about $25, under the New Jersey rate schedule. Median price source.
Mercer County title insurance by purchase price
| 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 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.
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 for the owner's policy
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 in Mercer County?
On the Mercer County median home price of $351,000, an owner's policy costs about $1,592 and the lender's policy $25, about $1,617 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 Mercer County?
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
Nearby New Jersey counties
- Gloucester County $283,500
- Hudson County $508,600
- Hunterdon County $498,800
- Middlesex County $439,300
- Monmouth County $566,500
- Morris County $557,000
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
- 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.
New Jersey title insurance