What does a title search usually cost for an off-market purchase?
What the fee covers
A title search reviews public records to confirm who owns the property and what claims are attached to it. The fee usually covers the research, the report, and sometimes a preliminary title commitment. Some companies charge a flat fee, while others bill by the hour.
Title insurance is a separate product that protects you if a hidden claim surfaces later. Many buyers pay for both, and the combined cost is usually a one-time expense at closing.
- Research and report fee
- Title insurance premium
- Settlement or closing fee
- Recording charges
Who usually pays
In many markets, the buyer pays for the owner's title policy, but local custom varies. The contract should spell out who covers each charge. Negotiating these costs is part of the deal, so raise them early.
Ask whether the search has already been done by the seller's company. Sometimes that report can be reused, which may reduce your expense.
Comparing title companies
Get quotes from at least two title companies and compare the line items, not just the total. A company that quotes a low search fee may charge more in other places.
Ask how long the search typically takes in your county. Faster turnaround can matter when your purchase has a firm closing date.
Common mistakes
- Accepting a total quote without asking for line items
- Assuming the seller always pays for title work
- Skipping title insurance to save money
