North Carolina Title Insurance Cost: What an Owner's and Lender's Policy Costs

North Carolina title insurance by purchase price

North Carolina 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: North Carolina Title Insurance Rating Bureau (NCTIRB); the rates apply to any title policy insuring North Carolina land regardless of the issuing underwriter (WFG's hosted copy was fetched, but the schedule is mandatory for every member insurer).

North Carolina title insurance calculator

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

Who pays for the owner's policy

Who pays for the owner's policy in North Carolina is negotiable in the purchase contract. The NCTIRB manual sets premiums only, not who pays; North Carolina custom (buyer commonly pays, though this varies by region and negotiation) and the purchase contract decide, not statute. 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 (a flat $29); 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 North Carolina county is in the list below.

Title insurance in North Carolina cities

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.

Sources

• North Carolina Title Insurance Rating Bureau, North Carolina Title Insurance Rates, effective October 1, 2025 (filed with the NC Department of Insurance)
• Who pays for the owner's policy in North Carolina

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.