Mercer County, West Virginia Title Insurance Cost
On the Mercer County median home price of $118,600, an owner's title policy costs about $453 and the lender's policy issued with it about $100, under the West Virginia rate schedule. Median price source.
Mercer County title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $560 | $100 | $660 |
| $200,000 | $730 | $100 | $830 |
| $250,000 | $900 | $100 | $1,000 |
| $300,000 | $1,070 | $100 | $1,170 |
| $350,000 | $1,240 | $100 | $1,340 |
| $400,000 | $1,410 | $100 | $1,510 |
| $450,000 | $1,580 | $100 | $1,680 |
| $500,000 | $1,750 | $100 | $1,850 |
| $600,000 | $2,050 | $100 | $2,150 |
| $700,000 | $2,350 | $100 | $2,450 |
| $800,000 | $2,650 | $100 | $2,750 |
| $1,000,000 | $3,250 | $100 | $3,350 |
West Virginia uses filed rates: underwriters file their rate manuals with the state insurance department, and the filed schedule below is what a policy costs; competing underwriters file similar or identical schedules.
West Virginia title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed West Virginia rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in West Virginia is negotiable in the purchase contract. Several closing-cost guides say the buyer customarily pays both the owner's and lender's premiums, while at least one says the seller often pays the owner's policy. The purchase contract controls; no state law assigns it. Source
Frequently asked questions
How much is title insurance in Mercer County?
On the Mercer County median home price of $118,600, an owner's policy costs about $453 and the lender's policy $100, about $553 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 Mercer County?
Who pays for the owner's policy in West Virginia is negotiable in the purchase contract. Several closing-cost guides say the buyer customarily pays both the owner's and lender's premiums, while at least one says the seller often pays the owner's policy. The purchase contract controls; no state law assigns it. Source
Nearby West Virginia counties
- Marshall County $139,800
- Mason County $127,400
- McDowell County $49,200
- Mineral County $180,400
- Mingo County $85,600
- Monongalia County $254,200
Sources
- Stewart Title Guaranty Company, Schedule of Charges for the State of West Virginia, effective 08/25/2023
- Who pays for the owner's policy in West Virginia
- 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.
West Virginia title insurance at every price →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
West Virginia title insurance