Texas Title Insurance Rate Calculator
Estimate your title insurance premiums based on the official rates set by the Texas Department of Insurance.
Common Endorsements
Texas Title Insurance Rate Calculator
Based on TDI promulgated rates · April 16, 2026
Estimated Total Premium
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Rate Schedule
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Transaction Type
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This estimate is based on the Texas Department of Insurance promulgated basic premium rates and is not a commitment to insure. All title insurance rates in Texas are state-regulated and uniform across all title companies.
How Much Does Title Insurance Cost in Texas?
Texas is one of only a few states where title insurance rates are fully regulated by the government. The Texas Department of Insurance (TDI) sets the basic premium rates — known as promulgated rates — and every title company in the state is required to charge the same base amount for the same level of coverage.
The cost of your title insurance depends on several factors: the property value or loan amount, the type of transaction (purchase, loan, or refinance), and any optional endorsements you add to your policy. For a typical $800,000 home purchase in Texas, the owner's title insurance premium is approximately $4,238.
Because rates are uniform across all title companies, your decision on where to close should come down to the quality of service, communication, and expertise — not price. Use the calculator above to get an instant estimate for your specific transaction.
Texas Title Insurance Rate Schedule
Here's a simplified view of the current TDI basic premium rate schedule, effective March 2026. Rates are tiered — as the policy amount goes up, the per-thousand cost comes down.
| Policy Amount | Rate | Example Premium |
|---|---|---|
| Up to $100,000 | Varies (minimum $308) | $780 at $100K |
| $100,001 – $1,000,000 | $4.94 per $1,000 + $780 base | $2,756 at $500K |
| $1,000,001 – $5,000,000 | $4.06 per $1,000 + $5,226 base | $9,286 at $2M |
| $5,000,001 – $15,000,000 | $3.35 per $1,000 + $21,466 base | $38,216 at $10M |
| $15,000,001 – $25,000,000 | $2.38 per $1,000 + $54,966 base | $78,766 at $25M |
| Over $25,000,000 | $1.43 per $1,000 + $78,766 base | Varies |
Source: Texas Department of Insurance promulgated rates, effective March 1, 2026. The calculator above applies these rates automatically based on your inputs.
Owner's Policy vs. Loan Policy in Texas
Owner's Title Insurance Policy
An owner's title insurance policy is designed to protect you against the unknown — title defects that existed before your purchase but weren't caught during the title search. Issues like undisclosed liens, forged documents, or unknown heirs claiming ownership can surface months or years after closing. Your policy remains in effect for as long as you or your heirs own the property.
In Texas, the owner's policy premium is a one-time payment made at closing. There are no monthly or annual renewals.
Loan Title Insurance Policy
A lender's (loan) title insurance policy is required by most mortgage lenders and is designed to protect the lender's financial interest in the property. The policy covers the loan amount and decreases in value as you pay down the balance.
When both an owner's and loan policy are purchased in the same transaction, Texas applies a simultaneous issue credit that significantly reduces the cost of the loan policy. The calculator above automatically applies this credit when you select a loan purchase.
Learn more about our title insurance services or use the calculator above to see the combined cost of both policies for your transaction.
Texas Title Insurance Reissue Credit
If you're refinancing your mortgage in Texas, you may qualify for a reissue credit (R-8) on your new lender's title insurance policy. This credit reduces the premium based on the age and amount of your existing loan. For example, a 50% reissue credit on an $800,000 refinance saves over $2,100 at closing.
The discount depends on how long ago your existing loan was originated: loans within 0-4 years receive the largest discount, 5-8 years receive a moderate discount, and loans over 8 years old receive a smaller credit. Select “Refinance” in the calculator above to see your estimated reissue credit.
Have questions about whether your refinance qualifies for a reissue credit? Contact our team — we're happy to help you understand your options. And as you navigate the closing process, make sure to protect yourself from wire fraud.
Frequently Asked Questions About Texas Title Insurance
How much does title insurance cost in Texas?
It depends on the property value and transaction type. For an $800,000 home, the basic owner's policy premium is approximately $4,238. Texas rates are set by the Texas Department of Insurance — use the calculator above for your specific estimate.
Who pays for title insurance in Texas?
In Texas, the buyer and seller can negotiate who pays for title insurance. By custom in many parts of the state, the seller pays for the owner's title policy and the buyer pays for the lender's (loan) policy. However, this is negotiable and can vary by county, transaction type, and the terms of your purchase contract.
Are title insurance rates the same at every company in Texas?
Yes. Texas is one of only a few states where title insurance rates are fully regulated by the state. The Texas Department of Insurance sets the basic premium rates, and every title company in Texas charges the same base rate for the same coverage. Where title companies differ is in the quality of their service, the speed of closing, and the expertise of their team.
What does an owner's title insurance policy cover?
An owner's title insurance policy is designed to protect the homebuyer from financial loss due to defects in the title that existed before the purchase but were not discovered during the title search. This includes issues like undisclosed liens, forged documents, errors in public records, unknown heirs, and boundary disputes. The policy remains in effect for as long as you or your heirs own the property.
How does the reissue credit work in Texas?
The reissue credit (also known as the R-8 credit) applies to refinance transactions in Texas. If your existing loan was originated within the past eight years, you may qualify for a reduced premium on the new lender's title policy. Loans originated within the last four years receive a 50% credit, and loans five to eight years old receive a 25% credit. On an $800,000 refinance, that 50% credit saves over $2,100 at closing.
What are endorsements and how do they affect my cost?
Endorsements are optional add-ons to a title insurance policy that extend coverage for specific risks not included in the base policy. Each endorsement has its own premium, typically calculated as a percentage of the basic premium. The calculator above includes the most common endorsements so you can see their exact cost.
When do I pay for title insurance?
Title insurance is paid as a one-time premium at closing. Unlike other types of insurance, there are no monthly or annual renewal payments. The premium is typically included in your closing costs. Your policy remains in effect for the entire time you own the property (owner's policy) or until the loan is paid off (lender's policy).
The information on this page is for general educational purposes only and is not intended as legal or financial advice. Title insurance coverage is subject to the specific terms, conditions, and exclusions of your policy. Premium estimates are based on TDI promulgated basic rates and do not constitute a commitment to insure. For questions about your specific situation, please contact us.
