Oregon Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $508,100 Oregon home costs about $1,365, and the lender's policy issued with it about $510, under the filed rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $200).
Oregon title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $575 | $505 | $1,080 |
| $200,000 | $700 | $505 | $1,205 |
| $250,000 | $825 | $505 | $1,330 |
| $300,000 | $950 | $505 | $1,455 |
| $350,000 | $1,050 | $505 | $1,555 |
| $400,000 | $1,150 | $505 | $1,655 |
| $450,000 | $1,250 | $505 | $1,755 |
| $500,000 | $1,350 | $505 | $1,855 |
| $600,000 | $1,500 | $550 | $2,050 |
| $700,000 | $1,650 | $595 | $2,245 |
| $800,000 | $1,800 | $640 | $2,440 |
| $1,000,000 | $2,100 | $730 | $2,830 |
Oregon 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: Oregon Title Insurance Rating Organization (OTIRO), rate card as published by AmeriTitle, a licensed OTIRO member agency.
Oregon title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Oregon rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Oregon is negotiable in the purchase contract. The standard OREF (Oregon Real Estate Forms) residential sale agreement has the seller order and pay for the preliminary title report and the buyer's owner's policy unless amended by contract. 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; 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 Oregon county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Clackamas County | $577,900 | $1,500 |
| Deschutes County | $596,000 | $1,500 |
| Douglas County | $283,200 | $950 |
| Jackson County | $400,200 | $1,250 |
| Lane County | $395,800 | $1,150 |
| Linn County | $344,600 | $1,050 |
| Marion County | $383,300 | $1,150 |
| Multnomah County | $528,000 | $1,500 |
| Washington County | $558,500 | $1,500 |
| Yamhill County | $442,700 | $1,250 |
All 36 Oregon counties
- Baker County
- Benton County
- Clackamas County
- Clatsop County
- Columbia County
- Coos County
- Crook County
- Curry County
- Deschutes County
- Douglas County
- Gilliam County
- Grant County
- Harney County
- Hood River County
- Jackson County
- Jefferson County
- Josephine County
- Klamath County
- Lake County
- Lane County
- Lincoln County
- Linn County
- Malheur County
- Marion County
- Morrow County
- Multnomah County
- Polk County
- Sherman County
- Tillamook County
- Umatilla County
- Union County
- Wallowa County
- Wasco County
- Washington County
- Wheeler County
- Yamhill County
Title insurance in Oregon cities
| City | Median home price | Owner's policy |
|---|---|---|
| Portland | $557,600 | $1,500 |
| Eugene | $435,400 | $1,250 |
| Salem | $382,400 | $1,150 |
| Gresham | $440,000 | $1,250 |
| Hillsboro | $483,400 | $1,350 |
| Bend | $646,800 | $1,650 |
| Beaverton | $543,100 | $1,500 |
| Medford | $387,000 | $1,150 |
| Springfield | $323,800 | $1,050 |
| Corvallis | $480,600 | $1,350 |
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 Oregon?
On a $508,100 home, the Oregon median, an owner's title policy costs about $1,365 under the filed rate schedule, and the lender's policy issued with it costs $510, so both policies together are about $1,875. 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 Oregon?
Who pays for the owner's policy in Oregon is negotiable in the purchase contract. The standard OREF (Oregon Real Estate Forms) residential sale agreement has the seller order and pay for the preliminary title report and the buyer's owner's policy unless amended by contract. Source
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 Oregon?
Yes. Oregon 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
- Oregon Title Rates, Title Insurance Rates per the Oregon Title Insurance Rating Organization (OTIRO) Rating Manual, AmeriTitle rate card
- Who pays for the owner's policy in Oregon
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 Oregon 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.
Title insurance in every state