South Carolina Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $397,600 South Carolina home costs about $956, and the lender's policy issued with it about $100, under the filed rate schedule. The owner's policy rate is $3.60 per $1,000 up to $50,000, $3 per $1,000 from $50,000 to $100,000, $2.10 per $1,000 from $100,000 to $500,000, $1.80 per $1,000 from $500,000 to $5,000,000, $1.20 per $1,000 above $5,000,000, with a minimum premium of $100 (the price is rounded up to the next $1,000).
South Carolina title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $435 | $100 | $535 |
| $200,000 | $540 | $100 | $640 |
| $250,000 | $645 | $100 | $745 |
| $300,000 | $750 | $100 | $850 |
| $350,000 | $855 | $100 | $955 |
| $400,000 | $960 | $100 | $1,060 |
| $450,000 | $1,065 | $100 | $1,165 |
| $500,000 | $1,170 | $100 | $1,270 |
| $600,000 | $1,350 | $100 | $1,450 |
| $700,000 | $1,530 | $100 | $1,630 |
| $800,000 | $1,710 | $100 | $1,810 |
| $1,000,000 | $2,070 | $100 | $2,170 |
South Carolina uses filed rates: each underwriter files its own rate manual with the state insurance department, so premiums differ by a few hundred dollars from one title company to another. The schedule below is one underwriter's filed rate. Schedule shown: Stewart Title Guaranty Company.
South Carolina title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed South Carolina rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in South Carolina 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 $100); 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 South Carolina county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Anderson County | $212,500 | $567 |
| Beaufort County | $407,600 | $977 |
| Berkeley County | $280,300 | $710 |
| Charleston County | $450,800 | $1,067 |
| Greenville County | $273,900 | $695 |
| Horry County | $260,500 | $668 |
| Lexington County | $217,700 | $578 |
| Richland County | $224,200 | $593 |
| Spartanburg County | $216,000 | $574 |
| York County | $322,700 | $798 |
All 46 South Carolina counties
- Abbeville County
- Aiken County
- Allendale County
- Anderson County
- Bamberg County
- Barnwell County
- Beaufort County
- Berkeley County
- Calhoun County
- Charleston County
- Cherokee County
- Chester County
- Chesterfield County
- Clarendon County
- Colleton County
- Darlington County
- Dillon County
- Dorchester County
- Edgefield County
- Fairfield County
- Florence County
- Georgetown County
- Greenville County
- Greenwood County
- Hampton County
- Horry County
- Jasper County
- Kershaw County
- Lancaster County
- Laurens County
- Lee County
- Lexington County
- Marion County
- Marlboro County
- McCormick County
- Newberry County
- Oconee County
- Orangeburg County
- Pickens County
- Richland County
- Saluda County
- Spartanburg County
- Sumter County
- Union County
- Williamsburg County
- York County
Title insurance in South Carolina cities
| City | Median home price | Owner's policy |
|---|---|---|
| Charleston | $469,100 | $1,107 |
| Columbia | $243,500 | $632 |
| North Charleston | $267,700 | $683 |
| Mount Pleasant | $667,100 | $1,472 |
| Rock Hill | $267,400 | $683 |
| Greenville | $453,300 | $1,073 |
| Summerville | $295,700 | $742 |
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 South Carolina?
On a $397,600 home, the South Carolina median, an owner's title policy costs about $956 under the filed rate schedule, and the lender's policy issued with it costs $100, so both policies together are about $1,056. 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 South Carolina?
Who pays for the owner's policy in South Carolina 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 South Carolina?
Yes. South Carolina 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 South Carolina 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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