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

An owner's title insurance policy on a $595,900 New York home costs about $2,754, and the lender's policy issued with it about $826, under the state-set rate schedule. The owner's policy rate is a flat $382 up to $35,000, $6.34 per $1,000 from $35,000 to $50,000, $5.16 per $1,000 from $50,000 to $100,000, $4.14 per $1,000 from $100,000 to $500,000, $3.78 per $1,000 from $500,000 to $1,000,000, $3.48 per $1,000 from $1,000,000 to $5,000,000, $3.09 per $1,000 from $5,000,000 to $10,000,000, $2.92 per $1,000 from $10,000,000 to $15,000,000, $2.62 per $1,000 above $15,000,000, with a minimum premium of $382 (the price is rounded up to the next $1,000).

New York title insurance by purchase price

Purchase price	Owner's policy	Lender's policy (issued together)	Both policies
$150,000	$942	$283	$1,225
$200,000	$1,149	$345	$1,494
$250,000	$1,356	$407	$1,763
$300,000	$1,563	$469	$2,032
$350,000	$1,770	$531	$2,301
$400,000	$1,977	$593	$2,570
$450,000	$2,184	$655	$2,839
$500,000	$2,391	$717	$3,108
$600,000	$2,769	$831	$3,600
$700,000	$3,147	$944	$4,091
$800,000	$3,525	$1,058	$4,583
$1,000,000	$4,281	$1,284	$5,565

New York is a promulgated-rate state: the insurance regulator sets one title insurance rate that every underwriter must charge, so the premium is the same wherever you close. Schedule shown: TIRSA (Title Insurance Rate Service Association), filed with and approved by the New York Department of Financial Services; used identically by every TIRSA-member underwriter statewide.

New York title insurance calculator

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

Who pays for the owner's policy

Who pays for the owner's policy in New York is negotiable in the purchase contract. The TIRSA manual sets premiums only; New York custom (which strongly favors buyer-pays for the owner's policy statewide, though NYC has its own conventions around CPLs, mortgage recording tax, and mansion tax that are separate from title insurance) and the contract of sale decide who pays. 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; 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 New York county is in the list below.

County	Median home price	Owner's policy
Bronx County	$517,000	$2,455
Erie County	$217,400	$1,224
Monroe County	$197,100	$1,141
Nassau County	$658,700	$2,992
Onondaga County	$185,300	$1,091
Orange County	$361,100	$1,820
Richmond County	$658,500	$2,992
Rockland County	$564,200	$2,637
Suffolk County	$539,500	$2,542
Westchester County	$638,400	$2,917

All 62 New York counties

Title insurance in New York cities

City	Median home price	Owner's policy
New York	$751,700	$3,344
Buffalo	$152,300	$955
Rochester	$120,600	$822
Yonkers	$478,000	$2,300
Syracuse	$125,100	$843
Albany	$223,000	$1,244
New Rochelle	$667,300	$3,026
Cheektowaga	$169,200	$1,025
Mount Vernon	$449,600	$2,184
Schenectady	$152,000	$950

All 17 New York cities over 50,000 people

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 the rate is set by the state, the only way to pay less is to buy a less expensive home; you can still compare settlement and endorsement fees.

Frequently asked questions

How much is title insurance in New York?

On a $595,900 home, the New York median, an owner's title policy costs about $2,754 under the filed rate schedule, and the lender's policy issued with it costs $826, so both policies together are about $3,580. 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 New York?

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 New York?

The premium itself is set by the state, so every title company charges the same rate; you can still compare the settlement, search and endorsement fees, which are not regulated the same way.

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 New York 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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