*Rates based on Texas Department of Insurance (TDI) basic premium schedule. Does not include endorsements or guaranty fees.
function calculateTexasTitleRate() {
var amountInput = document.getElementById('policyAmount');
var amount = parseFloat(amountInput.value);
var resultBox = document.getElementById('resultBox');
var displayAmount = document.getElementById('displayAmount');
var displayTier = document.getElementById('displayTier');
var totalPremiumEl = document.getElementById('totalPremium');
if (isNaN(amount) || amount <= 0) {
alert("Please enter a valid policy amount.");
return;
}
var premium = 0;
var tierText = "";
// Texas Title Insurance Rate Logic (Based on standard TDI R-8 Steps)
// Note: Rates are calculated per $1,000 of coverage.
if (amount <= 100000) {
tierText = "Up to $100,000 (Table)";
// Approximate linear interpolation for sub-100k table
// Base for $10k is roughly $238, Base for $100k is $832
// Formula: 238 + ((Amount – 10000) / 1000) * 6.6
// We clamp minimum at $238 for anything under 10k
if (amount < 10000) {
premium = 238;
} else {
var thousands = (amount – 10000) / 1000;
premium = 238 + (thousands * 6.60);
}
// Fix exact anchor for 100k to ensure continuity
if (amount === 100000) premium = 832;
} else if (amount <= 1000000) {
tierText = "$100k – $1M Tier";
// Base $832 for first $100k
// Add $5.27 per $1,000 for excess
var excess = amount – 100000;
var excessThousands = excess / 1000;
premium = 832 + (excessThousands * 5.27);
} else if (amount <= 5000000) {
tierText = "$1M – $5M Tier";
// Calculate previous max (1,000,000)
// 832 + (900 * 5.27) = 832 + 4743 = 5575
var baseAt1M = 5575;
var excess = amount – 1000000;
var excessThousands = excess / 1000;
premium = baseAt1M + (excessThousands * 4.33);
} else if (amount <= 15000000) {
tierText = "$5M – $15M Tier";
// Calculate previous max (5,000,000)
// 5575 + (4000 * 4.33) = 5575 + 17320 = 22895
var baseAt5M = 22895;
var excess = amount – 5000000;
var excessThousands = excess / 1000;
premium = baseAt5M + (excessThousands * 3.57);
} else if (amount <= 25000000) {
tierText = "$15M – $25M Tier";
// Calculate previous max (15,000,000)
// 22895 + (10000 * 3.57) = 22895 + 35700 = 58595
var baseAt15M = 58595;
var excess = amount – 15000000;
var excessThousands = excess / 1000;
premium = baseAt15M + (excessThousands * 2.54);
} else {
tierText = "Over $25M Tier";
// Calculate previous max (25,000,000)
// 58595 + (10000 * 2.54) = 58595 + 25400 = 83995
var baseAt25M = 83995;
var excess = amount – 25000000;
var excessThousands = excess / 1000;
premium = baseAt25M + (excessThousands * 1.52);
}
// Round to nearest whole dollar as premiums typically display
premium = Math.round(premium);
// Formatting
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 0,
maximumFractionDigits: 0,
});
displayAmount.textContent = formatter.format(amount);
displayTier.textContent = tierText;
totalPremiumEl.textContent = formatter.format(premium);
resultBox.style.display = "block";
}
Understanding the Texas Title Insurance Rate
When buying or refinancing property in Texas, one of the most strictly regulated costs you will encounter is the Title Insurance Premium. Unlike other states where title insurance rates can be competitive or vary by underwriter, Texas rates are promulgated. This means the Texas Department of Insurance (TDI) sets the exact rate that all title companies must charge.
Our Texas Rate Calculator above helps you estimate this state-mandated basic premium based on your property's sale price or loan amount.
How the Texas Title Rate is Calculated
The premium is calculated using a stepped scale based on the policy amount (usually the sales price for an Owner's Policy or the loan amount for a Lender's Policy). The rate per $1,000 of coverage decreases as the property value increases.
The current rate structure typically follows these tiers:
Up to $100,000: The basic premium starts around $238 (for the lowest coverage) and scales up to approximately $832 for a $100,000 policy.
$100,001 to $1,000,000: The rate is calculated by adding approximately $5.27 per $1,000 of coverage.
$1,000,001 to $5,000,000: The added rate drops to roughly $4.33 per $1,000.
$5,000,001 to $15,000,000: The added rate is roughly $3.57 per $1,000.
$15,000,001 to $25,000,000: The added rate is roughly $2.54 per $1,000.
Over $25,000,000: The added rate is roughly $1.52 per $1,000.
Who Pays for Title Insurance in Texas?
While the rate is non-negotiable, who pays the premium is entirely negotiable between the buyer and seller. In many Texas residential resale transactions, it is customary for the seller to pay for the Owner's Title Policy, though this can vary depending on market conditions (such as a strong seller's or buyer's market). The buyer typically pays for the Lender's Title Policy if they are obtaining a mortgage.
Simultaneous Issue Discounts
If you are buying a home with a mortgage, you will likely need both an Owner's Policy (protecting you) and a Lender's Policy (protecting the bank). In Texas, if these are purchased simultaneously (which is standard at closing), the Lender's Policy can often be issued for a nominal fee (often $100) rather than the full premium amount, provided the Owner's Policy is purchased for the full value.
Note: This calculator estimates the Basic Premium only. It does not include additional potential costs for specific endorsements, tax certificates, or recording fees which vary by county.