Title Insurance on a $250,000 Home in Ohio
An owner's title policy on a $250,000 purchase in Ohio costs about $1,450, and the lender's policy issued with it about $150, $1,600 for both. 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). The figures are for the standard owner's policy. The Homeowner's Policy offered on a home purchase costs 115% of the standard rate (minimum $250).
Nearby prices
| 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 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
Who pays for the owner's policy in Ohio is negotiable in the purchase contract.
Frequently asked questions
How much is title insurance on a $250,000 house in Ohio?
About $1,450 for the owner's policy and $150 for the lender's policy when both are issued at closing, $1,600 in total, computed from the Ohio 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). The figures are for the standard owner's policy. The Homeowner's Policy offered on a home purchase costs 115% of the standard rate (minimum $250).
Who pays for title insurance in Ohio?
Who pays for the owner's policy in Ohio is negotiable in the purchase contract.
Sources
Rates as filed or promulgated, checked October 17, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
Ohio title insurance overview → All Ohio buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Ohio title insurance