Title Insurance on a $300,000 Home in New Mexico
An owner's title policy on a $300,000 purchase in New Mexico costs about $1,547, and the lender's policy issued with it about $1,392, $2,939 for both. The owner's policy rate is a flat $440 up to $50,000, $5.34 per $1,000 from $50,000 to $100,000, $4.20 per $1,000 from $100,000 to $500,000, $3.29 per $1,000 from $500,000 to $2,000,000, $2.65 per $1,000 from $2,000,000 to $5,000,000, $2.20 per $1,000 from $5,000,000 to $10,000,000, $2.14 per $1,000 from $10,000,000 to $25,000,000, $1.90 per $1,000 from $25,000,000 to $50,000,000, $1.57 per $1,000 above $50,000,000, with a minimum premium of $440 (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 | $917 | $825 | $1,742 |
| $200,000 | $1,127 | $1,014 | $2,141 |
| $250,000 | $1,337 | $1,203 | $2,540 |
| $300,000 | $1,547 | $1,392 | $2,939 |
| $350,000 | $1,757 | $1,581 | $3,338 |
| $400,000 | $1,967 | $1,770 | $3,737 |
| $450,000 | $2,177 | $1,959 | $4,136 |
| $500,000 | $2,387 | $2,148 | $4,535 |
| $600,000 | $2,716 | $2,444 | $5,160 |
| $700,000 | $3,045 | $2,741 | $5,786 |
| $800,000 | $3,374 | $3,037 | $6,411 |
| $1,000,000 | $4,032 | $3,629 | $7,661 |
New Mexico title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed New Mexico rate schedule.
Who pays
Who pays for the owner's policy in New Mexico is negotiable in the purchase contract. Could not be confirmed from an official or underwriter source within this session's research budget; data/closing/new-mexico.json also left this null rather than guess. New Mexico has no statute assigning the owner's-policy cost, so it is set by local custom and the purchase contract.
Frequently asked questions
How much is title insurance on a $300,000 house in New Mexico?
About $1,547 for the owner's policy and $1,392 for the lender's policy when both are issued at closing, $2,939 in total, computed from the New Mexico rate schedule. The owner's policy rate is a flat $440 up to $50,000, $5.34 per $1,000 from $50,000 to $100,000, $4.20 per $1,000 from $100,000 to $500,000, $3.29 per $1,000 from $500,000 to $2,000,000, $2.65 per $1,000 from $2,000,000 to $5,000,000, $2.20 per $1,000 from $5,000,000 to $10,000,000, $2.14 per $1,000 from $10,000,000 to $25,000,000, $1.90 per $1,000 from $25,000,000 to $50,000,000, $1.57 per $1,000 above $50,000,000, with a minimum premium of $440 (the price is rounded up to the next $1,000).
Who pays for title insurance in New Mexico?
Who pays for the owner's policy in New Mexico is negotiable in the purchase contract. Could not be confirmed from an official or underwriter source within this session's research budget; data/closing/new-mexico.json also left this null rather than guess. New Mexico has no statute assigning the owner's-policy cost, so it is set by local custom and the purchase contract.
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.
New Mexico title insurance overview → All New Mexico 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 Mexico title insurance