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Selling · TDI rates effective March 1, 2026

What the title policy costs on your Texas sale

Type the sale price. You'll get the owner's title policy premium from the Texas Department of Insurance schedule effective March 1, 2026, the exact step TDI's formula takes for your price, and who usually pays it.

Your sale

The policy's amount is the sales price (TREC contract ¶6.A).

Your owner's policy

Basic premium

$1,546

0.61% of the sale price

By law, the title policy costs the same at every title company in Texas — here's yours.

The step for your price · $100,001 to $1,000,000

  1. ($255,000 − $100,000) × 0.00494 = $765.70
  2. Rounded to the dollar: $766
  3. $766 + $780 = $1,546
How we figured this

The premium is TDI's basic premium for an owner's policy whose amount is the sale price. Texas promulgates one schedule; every title company charges it.

TDI basic premium schedule, effective March 1, 2026

up to $100,000
TDI's table, in $500 steps ($25,000 or less: $308; $100,000: $780)
$100,001 – $1,000,000
(amount − $100,000) × 0.00494, rounded, + $780
$1,000,001 – $5,000,000
(amount − $1,000,000) × 0.00406, rounded, + $5,226
$5,000,001 – $15,000,000
(amount − $5,000,000) × 0.00335, rounded, + $21,466
$15,000,001 – $25,000,000
(amount − $15,000,000) × 0.00238, rounded, + $54,966
$25,000,001 – $50,000,000
(amount − $25,000,000) × 0.00143, rounded, + $78,766
$50,000,001 – $100,000,000
(amount − $50,000,000) × 0.00129, rounded, + $114,516
over $100,000,000
(amount − $100,000,000) × 0.00116, rounded, + $179,016

Basic premium only: no endorsements, no lender's policy, no escrow fee. Schedule effective March 1, 2026; rows copied from TDI on October 6, 2026.

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Custom, not law

Who pays for it

In Texas the seller customarily pays for the buyer's owner's policy. That's custom, not law. The state's standard resale contract — TREC's One to Four Family Residential Contract (Resale), form 20-19 — has two boxes in paragraph 6.A, “Seller's” and “Buyer's” expense, and the parties check one.

So who pays is negotiable, even though the price isn't. Shopping title companies won't move the premium a dollar; a counteroffer can move who pays it.

If the buyer has a loan, the lender's policy is a separate premium, and the contract lists it as a buyer's expense (paragraph 12.A(2)). Endorsements and the escrow fee are separate lines on the closing statement, too.

Sources

  1. Texas Department of Insurance — Title insurance rates effective March 1, 2026
  2. TDI — Title insurance FAQ (“The buyer and seller may negotiate who pays the premium.”)
  3. TREC — One to Four Family Residential Contract (Resale), TREC No. 20-19 (effective July 1, 2026), ¶6.A and ¶12.A
  4. Texas Land Title Association — Title insurance FAQs (“Although negotiable, it is customary for the property seller to pay for the owner's policy.”)

General information, not legal advice. Rates and forms change; the sources above are the authority.