New Jersey Title Insurance Calculator
Unlike most states, New Jersey regulates title insurance rates — every underwriter charges the same filed rate. This calculator uses the current New Jersey Land Title Insurance Rating Bureau Manual of Rates and Charges.
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Owner’s Policy Rate Table
| $0 – $100,000 | $5.25 per $1,000 |
| $100,000.01 – $500,000 | $525 + $4.25 per $1,000 over $100,000 |
| $500,000.01 – $2,000,000 | $2,225 + $2.75 per $1,000 over $500,000 |
| Over $2,000,000 | $6,350 + $2.00 per $1,000 over $2,000,000 |
Minimum premium: $200. On a purchase, a Loan Policy issued at the same time as the Owner’s Policy typically costs a flat $25 when the loan amount doesn’t exceed the owner’s coverage — only the excess, if any, is charged at the standard rate. A standalone refinance uses its own lower schedule.
Disclaimer: This calculator provides an estimate for general informational purposes only and is not legal, tax, or financial advice. Rates reflect the NJ Land Title Insurance Rating Bureau Manual of Rates and Charges as of August 2026 and are subject to change — confirm current figures with your title company. NestApple is a licensed real estate broker.