Title Insurance on a $450,000 Home in North Carolina
An owner's title policy on a $450,000 purchase in North Carolina costs about $1,038, and the lender's policy issued with it about $29, $1,067 for both. The owner's policy rate is $2.78 per $1,000 up to $100,000, $2.17 per $1,000 from $100,000 to $500,000, $1.41 per $1,000 from $500,000 to $2,000,000, $1.08 per $1,000 from $2,000,000 to $7,000,000, $0.75 per $1,000 above $7,000,000, with a minimum premium of $56 (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 | $387 | $29 | $416 |
| $200,000 | $495 | $29 | $524 |
| $250,000 | $604 | $29 | $633 |
| $300,000 | $712 | $29 | $741 |
| $350,000 | $821 | $29 | $850 |
| $400,000 | $929 | $29 | $958 |
| $450,000 | $1,038 | $29 | $1,067 |
| $500,000 | $1,146 | $29 | $1,175 |
| $600,000 | $1,287 | $29 | $1,316 |
| $700,000 | $1,428 | $29 | $1,457 |
| $800,000 | $1,569 | $29 | $1,598 |
| $1,000,000 | $1,851 | $29 | $1,880 |
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
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
Frequently asked questions
How much is title insurance on a $450,000 house in North Carolina?
About $1,038 for the owner's policy and $29 for the lender's policy when both are issued at closing, $1,067 in total, computed from the North Carolina rate schedule. The owner's policy rate is $2.78 per $1,000 up to $100,000, $2.17 per $1,000 from $100,000 to $500,000, $1.41 per $1,000 from $500,000 to $2,000,000, $1.08 per $1,000 from $2,000,000 to $7,000,000, $0.75 per $1,000 above $7,000,000, with a minimum premium of $56 (the price is rounded up to the next $1,000).
Who pays for title insurance in North Carolina?
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
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.
North Carolina title insurance overview → All North Carolina buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
North Carolina title insurance