Buncombe County, North Carolina Title Insurance Cost
On the Buncombe County median home price of $360,000, an owner's title policy costs about $842 and the lender's policy issued with it about $29, under the North Carolina rate schedule. Median price source.
Buncombe County title insurance by purchase price
| 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 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.
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
Frequently asked questions
How much is title insurance in Buncombe County?
On the Buncombe County median home price of $360,000, an owner's policy costs about $842 and the lender's policy $29, about $871 for both. North Carolina sets one rate statewide, so the county does not change the premium, only the price does.
Who pays for title insurance in Buncombe County?
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
Nearby North Carolina counties
- Bertie County $95,800
- Bladen County $125,800
- Brunswick County $314,700
- Burke County $170,500
- Cabarrus County $318,600
- Caldwell County $174,000
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
- U.S. Census Bureau, American Community Survey 2019-2023 5-year estimates, table B25077 (median value of owner-occupied housing units) and B01003 (total population)
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 at every price →
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