Texas Title Rate Calculator

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Texas Title Policy Calculator

Calculate Basic Premium Rates based on TDI Rate Rule R-11

function calculateTitlePremium() {
// Get input value
var priceInput = document.getElementById(‘salesPrice’);
var rawPrice = parseFloat(priceInput.value);
// Validation
if (isNaN(rawPrice) || rawPrice <= 0) {
alert("Please enter a valid property value.");
return;
}
// Texas Rule: Round up to the next highest integer multiple of $1,000
// Example: $100,001 rounds to $101,000
var policyAmount = Math.ceil(rawPrice / 1000) * 1000;
var premium = 0;
// Texas Title Insurance Premium Rates Calculation Logic (R-11)
// Values derived from the Texas Department of Insurance Master Schedule
if (policyAmount <= 10000) {
// Minimum Basic Premium
premium = 328;
} else if (policyAmount <= 100000) {
// Formula for 10,001 to 100,000:
// Base of $328 plus approx $5.60 per thousand over $10k
// Explicit calculation to match the schedule slope:
// ((PolicyAmount – 10000) / 1000) * 5.60 + 328
var thousandsOver = (policyAmount – 10000) / 1000;
premium = (thousandsOver * 5.60) + 328;
} else if (policyAmount <= 1000000) {
// Formula: Subtract 100,000, mult by 0.00527, add 832
var excess = policyAmount – 100000;
premium = (excess * 0.00527) + 832;
} else if (policyAmount <= 5000000) {
// Formula: Subtract 1,000,000, mult by 0.00433, add 5575
var excess = policyAmount – 1000000;
premium = (excess * 0.00433) + 5575;
} else if (policyAmount <= 15000000) {
// Formula: Subtract 5,000,000, mult by 0.00357, add 22895
var excess = policyAmount – 5000000;
premium = (excess * 0.00357) + 22895;
} else if (policyAmount <= 25000000) {
// Formula: Subtract 15,000,000, mult by 0.00254, add 58595
var excess = policyAmount – 15000000;
premium = (excess * 0.00254) + 58595;
} else if (policyAmount <= 50000000) {
// Formula: Subtract 25,000,000, mult by 0.00152, add 83995
var excess = policyAmount – 25000000;
premium = (excess * 0.00152) + 83995;
} else if (policyAmount <= 100000000) {
// Formula: Subtract 50,000,000, mult by 0.00138, add 121995
var excess = policyAmount – 50000000;
premium = (excess * 0.00138) + 121995;
} else {
// Over 100 Million
// Formula: Subtract 100,000,000, mult by 0.00124, add 190995
var excess = policyAmount – 100000000;
premium = (excess * 0.00124) + 190995;
}
// Formatting results
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 2
});
document.getElementById('displayAmount').innerText = formatter.format(policyAmount);
document.getElementById('displayPremium').innerText = formatter.format(premium);
// Show results
document.getElementById('results').style.display = 'block';
}

When buying a home in Texas, one of the most significant closing costs you will encounter is the cost of title insurance. Unlike many other forms of insurance, Texas title insurance rates are strictly regulated by the state government. This guide explains how these rates are calculated, who determines them, and what you can expect to pay.

What are “Promulgated Rates”?

In Texas, title insurance premiums are “promulgated.” This means the rates are set by the Texas Department of Insurance (TDI) following public hearings. All title companies in Texas are required by law to charge the exact same premium for the same coverage amount. You cannot shop around for a cheaper title insurance premium rate in Texas, although you can shop for better service or lower ancillary fees (like escrow fees or courier fees).

How the Basic Premium is Calculated

The Basic Premium for an Owner’s Policy of Title Insurance is based on the sales price of the property or the loan amount, whichever is greater. The calculation follows a tiered structure outlined in Rate Rule R-11.

Key calculation rules include:

• Rounding: If the policy amount is not an even multiple of $1,000, it is rounded up to the next highest multiple of $1,000 before the rate is applied.
• Minimums: The minimum basic premium for policies up to $10,000 is typically $328.
• Decreasing Rate: As the property value increases, the rate per thousand dollars of coverage decreases.

Texas Title Rate Tiers (Simplified)

Policy Amount Range	Calculation Logic
$10,001 – $100,000	Base rate of $328 + approx $5.60 per additional $1,000
$100,001 – $1,000,000	Base rate of $832 + $5.27 per additional $1,000
$1,000,001 – $5,000,000	Base rate of $5,575 + $4.33 per additional $1,000
$5,000,001 – $15,000,000	Base rate of $22,895 + $3.57 per additional $1,000

Who Pays for Title Insurance in Texas?

While the rates are fixed, who pays the premium is negotiable in the real estate contract.

• Owner’s Policy: It is customary in many Texas markets for the Seller to pay for the Owner’s Title Policy to prove they are delivering clear title, but this can be paid by the Buyer if agreed upon.
• Lender’s Policy: If you are taking out a mortgage, the lender will require a Loan Policy. The Buyer (Borrower) typically pays for this.

Simultaneous Issue

If an Owner’s Policy and a Loan Policy are purchased at the same time (which is common in most home purchases), the Loan Policy is usually issued at a significantly discounted rate (often $100) if the loan amount is equal to or less than the owner’s policy amount.

Why Do You Need Title Insurance?

Title insurance protects you against financial loss from defects in the title to your property. These defects might include:

• Outstanding property tax liens
• Undisclosed heirs with a claim to the property
• Errors in public records
• Forgery or fraud in prior deeds

Use the calculator above to estimate your mandatory state premium for your upcoming real estate transaction in Texas.