Texas Title Insurance Cost: What an Owner's and Lender's Policy Costs

An owner's title insurance policy on a $341,800 Texas home costs about $2,015, and the lender's policy issued with it about $100, under the state-set rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $308).

Texas title insurance by purchase price

Purchase priceOwner's policyLender's policy (issued together)Both policies
$150,000$1,027$100$1,127
$200,000$1,274$100$1,374
$250,000$1,521$100$1,621
$300,000$1,768$100$1,868
$350,000$2,015$100$2,115
$400,000$2,262$100$2,362
$450,000$2,509$100$2,609
$500,000$2,756$100$2,856
$600,000$3,250$100$3,350
$700,000$3,744$100$3,844
$800,000$4,238$100$4,338
$1,000,000$5,226$100$5,326

Texas is a promulgated-rate state: the insurance regulator sets one title insurance rate that every underwriter must charge, so the premium is the same wherever you close. Schedule shown: All Texas-licensed title insurers (promulgated statewide rate).

Texas title insurance calculator

Enter a purchase price to see the owner's and lender's policy premiums from the filed Texas rate schedule.

Who pays for the owner's policy

Who pays for the owner's policy in Texas is negotiable in the purchase 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 (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 Texas county is in the list below.

CountyMedian home priceOwner's policy
Bell County$221,100$1,521
Brazoria County$276,800$1,768
Cameron County$120,000$1,027
Collin County$447,600$2,509
Denton County$403,400$2,509
El Paso County$167,300$1,274
Fort Bend County$350,300$2,262
Hidalgo County$124,000$1,027
Montgomery County$317,500$2,015
Williamson County$414,600$2,509
All 250 Texas counties

Title insurance in Texas cities

CityMedian home priceOwner's policy
Houston$253,400$1,768
San Antonio$219,700$1,521
Dallas$295,300$1,768
Austin$512,700$3,250
Fort Worth$277,300$1,768
El Paso$171,700$1,274
Arlington$276,400$1,768
Corpus Christi$197,100$1,274
Plano$440,600$2,509
Lubbock$197,900$1,274
All 74 Texas cities over 50,000 people

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 the rate is set by the state, the only way to pay less is to buy a less expensive home; you can still compare settlement and endorsement fees.

Frequently asked questions

How much is title insurance in Texas?

On a $341,800 home, the Texas median, an owner's title policy costs about $2,015 under the filed rate schedule, and the lender's policy issued with it costs $100, so both policies together are about $2,115. 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 Texas?

Who pays for the owner's policy in Texas is negotiable in the purchase 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 Texas?

The premium itself is set by the state, so every title company charges the same rate; you can still compare the settlement, search and endorsement fees, which are not regulated the same way.

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 Texas 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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