Pennsylvania Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $308,500 Pennsylvania home costs about $2,216, and the lender's policy issued with it about $0, under the filed rate schedule. The owner's policy rate is $18.97 per $1,000 up to $30,000, $7.41 per $1,000 from $30,000 to $45,000, $6.27 per $1,000 from $45,000 to $100,000, $5.70 per $1,000 from $100,000 to $500,000, $4.56 per $1,000 from $500,000 to $1,000,000, $3.42 per $1,000 from $1,000,000 to $2,000,000, $2.28 per $1,000 from $2,000,000 to $7,000,000, $1.71 per $1,000 from $7,000,000 to $30,000,000, $1.42 per $1,000 above $30,000,000, with a minimum premium of $569 (the price is rounded up to the next $1,000).
Pennsylvania title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $1,310 | $0 | $1,310 |
| $200,000 | $1,595 | $0 | $1,595 |
| $250,000 | $1,880 | $0 | $1,880 |
| $300,000 | $2,165 | $0 | $2,165 |
| $350,000 | $2,450 | $0 | $2,450 |
| $400,000 | $2,735 | $0 | $2,735 |
| $450,000 | $3,020 | $0 | $3,020 |
| $500,000 | $3,305 | $0 | $3,305 |
| $600,000 | $3,761 | $0 | $3,761 |
| $700,000 | $4,217 | $0 | $4,217 |
| $800,000 | $4,673 | $0 | $4,673 |
| $1,000,000 | $5,585 | $0 | $5,585 |
Pennsylvania 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: Title Insurance Rating Bureau of Pennsylvania (TIRBOP), mandatory statewide rating bureau used by all member/subscriber underwriters.
Pennsylvania title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Pennsylvania rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Pennsylvania is negotiable in the purchase contract. Pennsylvania has no statute assigning the owner's title insurance premium; local custom reported by PA real estate practitioners is that the buyer typically pays in most of the state, though this varies by region and is negotiable in the agreement of sale.
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 $0); 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 Pennsylvania county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Allegheny County | $216,700 | $1,692 |
| Berks County | $239,700 | $1,823 |
| Bucks County | $421,700 | $2,860 |
| Chester County | $461,800 | $3,088 |
| Delaware County | $302,400 | $2,182 |
| Lancaster County | $279,400 | $2,051 |
| Lehigh County | $276,100 | $2,034 |
| Montgomery County | $409,900 | $2,792 |
| Westmoreland County | $193,100 | $1,561 |
| York County | $235,000 | $1,795 |
All 67 Pennsylvania counties
- Adams County
- Allegheny County
- Armstrong County
- Beaver County
- Bedford County
- Berks County
- Blair County
- Bradford County
- Bucks County
- Butler County
- Cambria County
- Cameron County
- Carbon County
- Centre County
- Chester County
- Clarion County
- Clearfield County
- Clinton County
- Columbia County
- Crawford County
- Cumberland County
- Dauphin County
- Delaware County
- Elk County
- Erie County
- Fayette County
- Forest County
- Franklin County
- Fulton County
- Greene County
- Huntingdon County
- Indiana County
- Jefferson County
- Juniata County
- Lackawanna County
- Lancaster County
- Lawrence County
- Lebanon County
- Lehigh County
- Luzerne County
- Lycoming County
- McKean County
- Mercer County
- Mifflin County
- Monroe County
- Montgomery County
- Montour County
- Northampton County
- Northumberland County
- Perry County
- Philadelphia County
- Pike County
- Potter County
- Schuylkill County
- Snyder County
- Somerset County
- Sullivan County
- Susquehanna County
- Tioga County
- Union County
- Venango County
- Warren County
- Washington County
- Wayne County
- Westmoreland County
- Wyoming County
- York County
Title insurance in Pennsylvania cities
| City | Median home price | Owner's policy |
|---|---|---|
| Philadelphia | $232,400 | $1,783 |
| Pittsburgh | $193,200 | $1,561 |
| Allentown | $188,900 | $1,532 |
| Reading | $109,800 | $1,082 |
| Erie | $108,200 | $1,076 |
| Bethlehem | $236,500 | $1,806 |
| Scranton | $141,700 | $1,264 |
| Lancaster | $203,700 | $1,618 |
| Levittown | $311,000 | $2,228 |
| Harrisburg | $121,000 | $1,145 |
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 Pennsylvania?
On a $308,500 home, the Pennsylvania median, an owner's title policy costs about $2,216 under the filed rate schedule, and the lender's policy issued with it costs $0, so both policies together are about $2,216. 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 Pennsylvania?
Who pays for the owner's policy in Pennsylvania is negotiable in the purchase contract. Pennsylvania has no statute assigning the owner's title insurance premium; local custom reported by PA real estate practitioners is that the buyer typically pays in most of the state, though this varies by region and is negotiable in the agreement of sale.
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 Pennsylvania?
Yes. Pennsylvania 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 Pennsylvania 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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