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

An owner's title insurance policy on a $338,200 Wisconsin home costs about $1,595, and the lender's policy issued with it about $500, under the filed rate schedule. The owner's policy rate is $36.67 per $1,000 up to $15,000, $3.50 per $1,000 from $15,000 to $250,000, $2.50 per $1,000 from $250,000 to $500,000, $1 per $1,000 from $500,000 to $2,000,000, $0.85 per $1,000 from $2,000,000 to $10,000,000, $0.65 per $1,000 from $10,000,000 to $50,000,000, $0.55 per $1,000 above $50,000,000, with a minimum premium of $550 (the price is rounded up to the next $1,000).

Wisconsin title insurance by purchase price

Purchase price	Owner's policy	Lender's policy (issued together)	Both policies
$150,000	$1,023	$500	$1,523
$200,000	$1,198	$500	$1,698
$250,000	$1,373	$500	$1,873
$300,000	$1,498	$500	$1,998
$350,000	$1,623	$500	$2,123
$400,000	$1,748	$500	$2,248
$450,000	$1,873	$500	$2,373
$500,000	$1,998	$500	$2,498
$600,000	$2,098	$500	$2,598
$700,000	$2,198	$500	$2,698
$800,000	$2,298	$500	$2,798
$1,000,000	$2,498	$500	$2,998

Wisconsin 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. Schedule shown: WFG National Title Insurance Company.

Wisconsin title insurance calculator

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

Who pays for the owner's policy

Who pays for the owner's policy in Wisconsin is negotiable in the purchase contract. The buyer typically pays for the lender's/mortgagee's policy. The WB-11 Wisconsin Offer to Purchase can reassign this. 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 $500); 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 Wisconsin county is in the list below.

County	Median home price	Owner's policy
Brown County	$245,900	$1,359
Kenosha County	$247,800	$1,366
La Crosse County	$243,200	$1,352
Marathon County	$205,500	$1,219
Milwaukee County	$216,500	$1,257
Outagamie County	$244,100	$1,355
Racine County	$239,400	$1,338
Rock County	$215,900	$1,254
Washington County	$316,200	$1,540
Winnebago County	$208,600	$1,229

All 72 Wisconsin counties

Title insurance in Wisconsin cities

City	Median home price	Owner's policy
Milwaukee	$172,000	$1,100
Madison	$346,900	$1,615
Green Bay	$191,500	$1,170
Kenosha	$210,500	$1,236
Racine	$158,100	$1,054
Appleton	$211,500	$1,240
Waukesha	$286,600	$1,465
Eau Claire	$228,000	$1,296
Oshkosh	$168,400	$1,089
Janesville	$209,700	$1,233

All 12 Wisconsin 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 underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.

Frequently asked questions

How much is title insurance in Wisconsin?

On a $338,200 home, the Wisconsin median, an owner's title policy costs about $1,595 under the filed rate schedule, and the lender's policy issued with it costs $500, so both policies together are about $2,095. 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 Wisconsin?

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 Wisconsin?

Yes. Wisconsin underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.

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 Wisconsin 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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