Title Insurance on a $800,000 Home in New York
An owner's title policy on a $800,000 purchase in New York costs about $3,525, and the lender's policy issued with it about $1,058, $4,583 for both. 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).
Nearby prices
| 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 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
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
Frequently asked questions
How much is title insurance on a $800,000 house in New York?
About $3,525 for the owner's policy and $1,058 for the lender's policy when both are issued at closing, $4,583 in total, computed from the New York 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).
Who pays for title insurance in New York?
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
Sources
- TIRSA Rate Manual, Seventh Revision, approved by NYDFS June 10, 2024, effective October 1, 2024
- Who pays for the owner's policy in New York
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 York title insurance overview → All New York 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 York title insurance