Title Insurance on a $150,000 Home in South Dakota
An owner's title policy on a $150,000 purchase in South Dakota costs about $425, and the lender's policy issued with it about $50, $475 for both. The owner's policy rate is $3.50 per $1,000 up to $50,000, $3 per $1,000 from $50,000 to $100,000, $2 per $1,000 from $100,000 to $500,000, $1.75 per $1,000 from $500,000 to $1,000,000, $1.25 per $1,000 above $1,000,000, with a minimum premium of $100 (the price is rounded up to the next $1,000).
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $425 | $50 | $475 |
| $200,000 | $525 | $50 | $575 |
| $250,000 | $625 | $50 | $675 |
| $300,000 | $725 | $50 | $775 |
| $350,000 | $825 | $50 | $875 |
| $400,000 | $925 | $50 | $975 |
| $450,000 | $1,025 | $50 | $1,075 |
| $500,000 | $1,125 | $50 | $1,175 |
| $600,000 | $1,300 | $50 | $1,350 |
| $700,000 | $1,475 | $50 | $1,525 |
| $800,000 | $1,650 | $50 | $1,700 |
| $1,000,000 | $2,000 | $50 | $2,050 |
South Dakota title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed South Dakota rate schedule.
Who pays
Who pays for the owner's policy in South Dakota is negotiable in the purchase contract. South Dakota does not mandate a payer for title insurance by law; allocation follows the sale contract and local closing custom.
Frequently asked questions
How much is title insurance on a $150,000 house in South Dakota?
About $425 for the owner's policy and $50 for the lender's policy when both are issued at closing, $475 in total, computed from the South Dakota rate schedule. The owner's policy rate is $3.50 per $1,000 up to $50,000, $3 per $1,000 from $50,000 to $100,000, $2 per $1,000 from $100,000 to $500,000, $1.75 per $1,000 from $500,000 to $1,000,000, $1.25 per $1,000 above $1,000,000, with a minimum premium of $100 (the price is rounded up to the next $1,000).
Who pays for title insurance in South Dakota?
Who pays for the owner's policy in South Dakota is negotiable in the purchase contract. South Dakota does not mandate a payer for title insurance by law; allocation follows the sale contract and local closing custom.
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.
South Dakota title insurance overview → All South Dakota buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
South Dakota title insurance