Ohio Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $262,900 Ohio home costs about $1,503, and the lender's policy issued with it about $150, under the filed rate schedule. The owner's policy rate is $5.80 per $1,000 up to $250,000, $4.10 per $1,000 from $250,000 to $500,000, $3.20 per $1,000 from $500,000 to $1,000,000, $3.10 per $1,000 from $1,000,000 to $5,000,000, $2.90 per $1,000 from $5,000,000 to $10,000,000, $2.60 per $1,000 above $10,000,000, with a minimum premium of $225 (the price is rounded up to the next $1,000).
Ohio title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $870 | $150 | $1,020 |
| $200,000 | $1,160 | $150 | $1,310 |
| $250,000 | $1,450 | $150 | $1,600 |
| $300,000 | $1,655 | $150 | $1,805 |
| $350,000 | $1,860 | $150 | $2,010 |
| $400,000 | $2,065 | $150 | $2,215 |
| $450,000 | $2,270 | $150 | $2,420 |
| $500,000 | $2,475 | $150 | $2,625 |
| $600,000 | $2,795 | $150 | $2,945 |
| $700,000 | $3,115 | $150 | $3,265 |
| $800,000 | $3,435 | $150 | $3,585 |
| $1,000,000 | $4,075 | $150 | $4,225 |
Ohio uses filed rates: underwriters file their rate manuals with the state insurance department, and the filed schedule below is what a policy costs; competing underwriters file similar or identical schedules. Schedule shown: Ohio Title Insurance Rating Bureau, Inc. (OTIRB), statewide rating bureau reprint as distributed by Stewart Title Guaranty Company.
Ohio title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Ohio rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Ohio is negotiable in the purchase contract.
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 $150); 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 Ohio county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Butler County | $243,000 | $1,409 |
| Cuyahoga County | $183,200 | $1,067 |
| Franklin County | $265,700 | $1,516 |
| Hamilton County | $225,700 | $1,311 |
| Lorain County | $207,200 | $1,206 |
| Lucas County | $155,200 | $905 |
| Montgomery County | $167,400 | $974 |
| Stark County | $177,700 | $1,032 |
| Summit County | $195,700 | $1,137 |
| Warren County | $319,700 | $1,737 |
All 88 Ohio counties
- Adams County
- Allen County
- Ashland County
- Ashtabula County
- Athens County
- Auglaize County
- Belmont County
- Brown County
- Butler County
- Carroll County
- Champaign County
- Clark County
- Clermont County
- Clinton County
- Columbiana County
- Coshocton County
- Crawford County
- Cuyahoga County
- Darke County
- Defiance County
- Delaware County
- Erie County
- Fairfield County
- Fayette County
- Franklin County
- Fulton County
- Gallia County
- Geauga County
- Greene County
- Guernsey County
- Hamilton County
- Hancock County
- Hardin County
- Harrison County
- Henry County
- Highland County
- Hocking County
- Holmes County
- Huron County
- Jackson County
- Jefferson County
- Knox County
- Lake County
- Lawrence County
- Licking County
- Logan County
- Lorain County
- Lucas County
- Madison County
- Mahoning County
- Marion County
- Medina County
- Meigs County
- Mercer County
- Miami County
- Monroe County
- Montgomery County
- Morgan County
- Morrow County
- Muskingum County
- Noble County
- Ottawa County
- Paulding County
- Perry County
- Pickaway County
- Pike County
- Portage County
- Preble County
- Putnam County
- Richland County
- Ross County
- Sandusky County
- Scioto County
- Seneca County
- Shelby County
- Stark County
- Summit County
- Trumbull County
- Tuscarawas County
- Union County
- Van Wert County
- Vinton County
- Warren County
- Washington County
- Wayne County
- Williams County
- Wood County
- Wyandot County
Title insurance in Ohio cities
| City | Median home price | Owner's policy |
|---|---|---|
| Columbus | $234,500 | $1,363 |
| Cleveland | $94,100 | $551 |
| Cincinnati | $215,300 | $1,253 |
| Toledo | $107,000 | $621 |
| Akron | $111,200 | $650 |
| Dayton | $93,200 | $545 |
| Parma | $157,600 | $916 |
| Canton | $94,400 | $551 |
| Lorain | $123,500 | $719 |
| Hamilton | $152,300 | $887 |
All 18 Ohio 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 underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.
Frequently asked questions
How much is title insurance in Ohio?
On a $262,900 home, the Ohio median, an owner's title policy costs about $1,503 under the filed rate schedule, and the lender's policy issued with it costs $150, so both policies together are about $1,653. 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 Ohio?
Who pays for the owner's policy in Ohio is negotiable in the purchase contract.
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 Ohio?
Yes. Ohio underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.
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 Ohio 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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