Title Insurance on a $300,000 Home in Virginia
An owner's title policy on a $300,000 purchase in Virginia costs about $1,195, and the lender's policy issued with it about $250, $1,445 for both. The owner's policy rate is $4 per $1,000 up to $250,000, $3.90 per $1,000 from $250,000 to $500,000, $3.58 per $1,000 from $500,000 to $1,000,000, $2.36 per $1,000 from $1,000,000 to $2,000,000, $2.09 per $1,000 from $2,000,000 to $5,000,000, $1.75 per $1,000 from $5,000,000 to $15,000,000, $0 per $1,000 above $15,000,000, with a minimum premium of $250 (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 | $600 | $250 | $850 |
| $200,000 | $800 | $250 | $1,050 |
| $250,000 | $1,000 | $250 | $1,250 |
| $300,000 | $1,195 | $250 | $1,445 |
| $350,000 | $1,390 | $250 | $1,640 |
| $400,000 | $1,585 | $250 | $1,835 |
| $450,000 | $1,780 | $250 | $2,030 |
| $500,000 | $1,975 | $250 | $2,225 |
| $600,000 | $2,333 | $250 | $2,583 |
| $700,000 | $2,691 | $250 | $2,941 |
| $800,000 | $3,049 | $250 | $3,299 |
| $1,000,000 | $3,765 | $250 | $4,015 |
Virginia title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Virginia rate schedule.
Who pays
Who pays for the owner's policy in Virginia is negotiable in the purchase contract. The standard Northern Virginia Association of Realtors and Virginia REALTORS forms typically assign the owner's policy to the buyer, though this is contract custom rather than a statutory default.
Frequently asked questions
How much is title insurance on a $300,000 house in Virginia?
About $1,195 for the owner's policy and $250 for the lender's policy when both are issued at closing, $1,445 in total, computed from the Virginia rate schedule. The owner's policy rate is $4 per $1,000 up to $250,000, $3.90 per $1,000 from $250,000 to $500,000, $3.58 per $1,000 from $500,000 to $1,000,000, $2.36 per $1,000 from $1,000,000 to $2,000,000, $2.09 per $1,000 from $2,000,000 to $5,000,000, $1.75 per $1,000 from $5,000,000 to $15,000,000, $0 per $1,000 above $15,000,000, with a minimum premium of $250 (the price is rounded up to the next $1,000).
Who pays for title insurance in Virginia?
Who pays for the owner's policy in Virginia is negotiable in the purchase contract. The standard Northern Virginia Association of Realtors and Virginia REALTORS forms typically assign the owner's policy to the buyer, though this is contract custom rather than a statutory default.
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.
Virginia title insurance overview → All Virginia buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Virginia title insurance