NYC Title Insurance Calculator
Estimate owner’s and lender’s title insurance premiums for a NYC condo or house purchase, using New York’s regulated Zone 2 rate schedule (the rate zone covering all five boroughs). Title insurance rates in New York are set by the state and are the same across every title insurer — only the ancillary fees below (searches, closer’s fee) vary by company.
See our Buyer Closing Cost Calculator for the full closing cost picture, or all our calculators.
Glossary
A one-time premium, paid at closing, that protects against defects in the property’s title — liens, ownership disputes, forgery, or recording errors that surface after you buy. An owner’s policy protects the buyer for as long as they (or their heirs) own the property; a lender’s policy protects the bank up to the loan balance.
New York is a “rate-regulated” state: the Department of Financial Services approves a single rate schedule (maintained by TIRSA, the Title Insurance Rate Service Association) that every licensed title insurer must charge. You can’t negotiate the premium itself, but you can shop title companies on their ancillary fees and service.
When a lender’s policy is issued at the same closing as an owner’s policy, on an amount that doesn’t exceed the owner’s policy, the lender’s policy is billed at just 30% of its standalone rate. Buying with a mortgage costs meaningfully less in title insurance than a cash purchase followed by a later refinance.
No. A co-op purchase conveys shares in a corporation plus a proprietary lease, not a deed to real property, so there’s no title to insure. Co-op buyers (and their lenders, on a share loan) typically get a UCC-1 lien search instead, which is far less expensive.
This calculator covers the regulated owner’s and lender’s premiums. It doesn’t include optional endorsements (condo, environmental lien, waiver of arbitration), a Market Value Rider, sales tax on the premium, or a FinCEN filing fee — all of which your title company will itemize on your actual invoice.