Title Insurance · Texas
Published rate scheduleTexas Title Insurance Rates (2026): The Published Schedule
Texas is one of the few states where the title insurance premium is not a quote. It is a published schedule that every insurer must charge, and the figures below are read straight off it — look up your own purchase price against the table.
Financed, at the state median
$1,893
Owner's + lender's policy on a $305,000 purchase with a $244,000 loan, per the published scheduleWhy Texas has a rate you can look up
Texas promulgates the premium: TDI publishes one basic premium rate schedule and every title company in the state must charge it. Shopping for a cheaper premium in Texas is not possible, because there is only one price, and it is the one in the table below.
The schedule on this page is published by Texas Department of Insurance (TDI). It is not an underwriter's rate card and not an industry average. Effective March 1, 2026 · schedule read 2026-08-31.
The Texas rate schedule
This is the table itself. Every row is read from the published schedule and is what the lookup below evaluates — the table and the tool cannot disagree, because the tool reads this data rather than a copy of it.
| Portion of the policy amount | Charge |
|---|---|
| $100,000 to $1,000,000 | $780 plus 0.494% of the amount over $100,000 |
| $1,000,000 to $5,000,000 | $5,226 plus 0.406% of the amount over $1,000,000 |
| $5,000,000 to $15,000,000 | $21,466 plus 0.335% of the amount over $5,000,000 |
| $15,000,000 to $25,000,000 | $54,966 plus 0.238% of the amount over $15,000,000 |
| $25,000,000 to $50,000,000 | $78,766 plus 0.143% of the amount over $25,000,000 |
| $50,000,000 to $100,000,000 | $114,516 plus 0.129% of the amount over $50,000,000 |
| Over $100,000,000 | $179,016 plus 0.116% of the amount over $100,000,000 |
The lender's policy
Rate Rule R-5: where an owner's and a loan policy are issued simultaneously by the same company on the same land, and the loan is no larger than the owner's policy, the loan policy premium is $100 flat.
What this schedule does not cover
Policy amounts below $100,000 are published by TDI as a discrete table in $500 increments rather than as a formula, so this page does not price them — an interpolated figure would not be the promulgated rate. The statutory minimum policy amount is $25,000.
Look up your own purchase
Enter your purchase price and, if you are financing, your loan amount. The result is the schedule applied to your numbers — not an estimate and not a range. Where the schedule does not cover an input, the tool says so rather than guessing.
Educational calculators — always consult a licensed professional before making financial decisions.
The owner's policy is written for this amount. Pre-filled with Texas's median home price.
This changes which policies are issued — and in Iowa it changes who pays for which one.
Both an owner's and a lender's policy are issued, usually at the simultaneous-issue rate.
The lender's policy is written for this amount.
Title insurance premium at closing in Texas
$1,893
One-time premium paid at closing. Search, exam, endorsement and settlement fees are separate and are not part of this figure.
What this figure does and does not say
- The $100 lender's policy assumes both policies are issued simultaneously by the same company on the same land, which is Rate Rule R-5's condition. Bought separately, the lender's policy is rated on its own from the same schedule.
- This is the premium only. Title search and exam, endorsements, settlement and recording fees are separate and are not promulgated the way the premium is.
Schedule: Texas Department of Insurance — Title Insurance Basic Premium Rates, plus Rate Rule R-5 — Effective March 1, 2026 · schedule read 2026-08-31
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Why there is no page like this for most states
Every other state and the District of Columbia are file-and-use: insurers file their own rates with the state and there is no single schedule to look up. There is no equivalent page for them, and there should not be — a state page whose central figure was a national average dressed up as a local rate would be worse than no page. In a file-and-use state the real answer is two quotes from two local title companies, and the spread between them is often large.
The one state we wanted to include and could not
New Mexico sets one mandatory rate, but its basic-premium bracket schedule is adopted by order of the Superintendent of Insurance and published as an appendix we could not retrieve from OSI. We will not approximate a promulgated rate, so New Mexico is shown as a range here — which understates how precisely knowable the New Mexico answer is once you have the schedule in front of you. Ask a New Mexico title company for the current basic premium rate table.
If your state is not Texas, Florida, Iowa, our national title insurance guide explains what a file-and-use state means for you and what the observed national spread is — with the warning that a national spread is not your state's rate, which is precisely why these three pages exist and forty-eight do not.
Texas Title and Settlement Rules
- endorsement rates
- Texas title insurance premiums are promulgated by TDI: every title company charges the same premium, which is based on the sale price (owner's policy) or loan amount (loan policy); discounts on the premium are not allowed. The Texas premium includes the title search, examination and closing services. (Texas Department of Insurance, retrieved 2026-09-14)
- endorsement rates
- Rate Rule R-1 basic premium schedule effective March 1, 2026: $780 for a $100,000 policy (e.g. $308 at $25,000, $465 at $50,000). For $100,001-$1,000,000: basic premium = $780 + 0.00494 × (face amount − $100,000), rounded to the nearest dollar (e.g. $268,500 policy = $1,612); $1,000,001-$5,000,000: $5,226 + 0.00406 × (amount − $1,000,000). (Texas Department of Insurance, retrieved 2026-09-14)
- endorsement rates
- Rate Rule R-5 simultaneous issue: when owner's and loan policies are issued simultaneously on the same land with the same date and the loan amount does not exceed the owner's policy, the owner's policy is charged the Basic Rate and each loan policy $100.00. (Texas Department of Insurance, retrieved 2026-09-14)
- endorsement rates
- Rate Rule R-29: the T-19 Restrictions, Encroachments, Minerals endorsement on residential real property costs 5% of the single-issue Basic Rate (minimum $50); the owner-policy version (T-19.1) on residential property costs 10% of the Basic Rate, or 5% if the area-and-boundaries exception amendment (R-16) is also purchased (minimum $50). (Texas Department of Insurance, retrieved 2026-09-14)
- who customarily pays owner's policy (only if a state regulator/statute says)
- TDI states that the buyer and seller may negotiate who pays the title policy premium, which is paid once at closing. (TDI does not assign it to either party.) (Texas Department of Insurance, retrieved 2026-09-14)
- closing/settlement agent rules
- Title policy forms are promulgated (standardized) statewide; title agents must use the standardized forms. Only Schedule A property description, Schedule B exceptions and the exclusions vary between policies. (Texas Department of Insurance, retrieved 2026-09-14)
- title agent licensing
- Selling title insurance without a TDI license is illegal in Texas; buyers may choose any title company (RESPA Section 9 bars sellers from conditioning a sale on a specific title company) and can verify title agent licensing via TDI's Help Line (800-252-3439) or online licensing reports. (Texas Department of Insurance, retrieved 2026-09-14)
- closing/settlement agent rules
- Escrow officer licensing (Administrative Rule L-2; Tex. Ins. Code §2501.003(4), ch. 2652): anyone who countersigns title forms, supervises their preparation/delivery, signs escrow checks or closes the transaction for a title agent or direct operation must be TDI-licensed as an escrow officer and covered by a surety bond or deposit. Attorneys need not be licensed, but their non-attorney employees performing these duties must be. Application requires Form FINT132, appointment Form FINT09 and a nonrefundable $35 license fee ($10 per additional appointment). (Texas Department of Insurance, retrieved 2026-09-14)
- closing/settlement agent rules
- Escrow officer license fee: applicants submit the Application for Escrow Officer License (FINT132), an Escrow Officer Appointment (FINT09) from the appointing title agent or direct operation, and a nonrefundable $35 application fee; additional appointments cost $10 each (Administrative Rule L-2, effective 01/03/2014). (Texas Department of Insurance, retrieved 2026-09-14)
Taxes Recorded Alongside the Title Policy at the Texas Median Price
Recording fees
County clerk real property records filing fee: $5.00 for the first page and $4.00 for each additional page (Local Gov't Code § 118.011(a)(2)). The county clerk may also set a records management and preservation fee of not more than $10 (§ 118.011(b)(2)); other add-on fees may apply. (Texas Legislative Council, retrieved 2026-09-14)
Texas title insurance questions
How much is title insurance in Texas?
On a $305,000 purchase with a $244,000 mortgage — Texas's median home price at 80% financing — the title policies come to $1,893: $1,793 for the owner's policy and $100 for the lender's. That is the premium only. Title search and exam, endorsements, settlement and recording fees are separate, and unlike the premium they are not fixed by the schedule.
Can I shop around for cheaper title insurance in Texas?
Not for the premium itself. Texas Department of Insurance (TDI) sets one rate that every title company must charge, so the premium on an identical policy is identical at every company in Texas. What you CAN shop is everything around it: the settlement or closing fee, the title search and exam charge, courier and wire fees, and endorsements. Those are not promulgated, they are often the larger half of the title line on your closing disclosure, and they vary materially between companies. Ask for an itemised quote rather than a single "title" number.
Who pays for title insurance in Texas?
The schedule sets the rate; it does not decide who writes the cheque. That is a term of the purchase contract and it varies by county and by local custom even within one state — in some Texas markets the seller customarily pays the owner's policy, in others the buyer does, and the lender's policy is almost always the buyer's. Because it is contractual rather than regulated, it is negotiable in a way the premium is not. Check the line on your purchase agreement before you assume.
Is title insurance an annual premium?
No. Both policies are a one-time premium paid at closing, and the owner's policy lasts as long as you hold title. That is why it does not appear in your monthly escrow the way homeowners insurance and property tax do. If you refinance, a new lender's policy is usually required — many schedules discount that as a reissue rate, so ask for it by name.
Does every state publish a title insurance rate like Texas does?
No, and that is unusual rather than normal. Only a handful of states publish a schedule an outsider can look up: Texas, Florida, Iowa are the states RealCostIQ holds a schedule for, read directly from the issuing body. Every other state and the District of Columbia is file-and-use — insurers file their own rates and there is no single number. New Mexico is the frustrating middle case: it does set one mandatory rate, but its bracket schedule is adopted by order of the Superintendent of Insurance and published as an appendix we could not retrieve, so we will not print a New Mexico figure.
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