Closing Cost Tools
Real Pennsylvania filed rates for buyers, sellers, and lenders. Every number here traces back to an official source, and we show you the math.
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How This Is Calculated
Pennsylvania title insurance premiums come straight from this schedule, filed by TIRBOP. Every title company charges the same rate — it’s the law.
| Bracket | Sale Rate (per $1,000) | Non-Sale / Refi |
|---|---|---|
| First $30,000 (base charge) | $569.00 | $512.00 |
| $30,001 – $45,000 | $7.41 | $5.98 |
| $45,001 – $100,000 | $6.27 | $5.41 |
| $100,001 – $500,000 | $5.70 | $4.84 |
| $500,001 – $1,000,000 | $4.56 | $4.27 |
| $1M – $2M | $3.42 | $3.13 |
| Above $2M | $2.28 → $1.42 | $1.99 → $1.42 |
Nothing here is made up. Each figure traces to an official filing or statute.
TIRBOP Schedule of Rates
Pennsylvania title insurance premiums (Sale & Non-Sale rates), Section 5.50, manual effective 08/01/2024.
patitleratingbureau.org ↗PA Realty Transfer Tax
1% state + local rate. Philadelphia total is 4.278%; most counties total 2%.
phila.gov ↗Fidelity National Title
Our underwriter. We cross-check premiums against their filed-rate calculator.
ratecalculator.fnf.com ↗Live Rate Watch
An automated check re-verifies every rate on this page against its official source on the 1st of each month, so these numbers never go stale.
✓ Verified MonthlyThese are estimates. Open a title order and we’ll give you the precise figures for your deal.
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