Floyd County, Virginia Title Insurance Cost
On the Floyd County median home price of $215,500, an owner's title policy costs about $864 and the lender's policy issued with it about $250, under the Virginia rate schedule. Median price source.
Floyd County title insurance by purchase price
| 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 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.
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 for the owner's policy
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 in Floyd County?
On the Floyd County median home price of $215,500, an owner's policy costs about $864 and the lender's policy $250, about $1,114 for both. The rate schedule is filed statewide, so what changes from county to county is the home price, not the rate.
Who pays for title insurance in Floyd County?
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.
Nearby Virginia counties
- Fairfax County $732,800
- Falls Church city $1,005,400
- Fauquier County $543,700
- Fluvanna County $281,700
- Franklin city $227,200
- Franklin County $222,800
Sources
- WFG National Title Insurance Company, Rate and Rules for the Commonwealth of Virginia, Sections 3 & 4, effective September 1, 2023
- U.S. Census Bureau, American Community Survey 2019-2023 5-year estimates, table B25077 (median value of owner-occupied housing units) and B01003 (total population)
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.
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Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Virginia title insurance