Title Settlement Fees by State in 2026: Published Prices vs. Beycome Title

Updated November 2026. Fee sheets, rate cards and state filings read on November 4, 2026.

A title company’s settlement fee (also called a closing or escrow fee) usually runs $300 to $800, says Rocket Mortgage’s May 29, 2026 guide. Published prices go from $100 for a seller in Ohio to more than $2,000 in the Chicago area, Hawaii and Washington. The table below shows what title companies publish in each state as of November 2026. It also shows Beycome Title’s price in the six states where it closes.

Jump to: 📊 Fees by state · 🧾 What it covers · 🛡️ Fee vs. premium · 🏷️ Beycome Title · 📝 Get a fee sheet · ❓ FAQ

How much do title companies charge to settle, by state?

Each row lists one price a title company or a state filing has made public, with its date. One company’s price isn’t a state average. Treat it as a real example, not a rule. “Varies” means we found no dated public price for that state.

Some rows need a note. In Connecticut and Vermont, a lawyer often runs the closing. So the price there is a flat legal fee, and it also covers the title search. In Pennsylvania, the buyer’s settlement work is part of the filed premium, though a seller may still see some charges. The Ohio figure is one company’s seller fee, and other seller charges are billed apart. The Missouri sheet is filed with the Kansas Insurance Department because the company works in both states.

What does a title settlement fee cover?

It pays the title or escrow company to run the closing. The company holds the deposit and draws up the settlement statement. It gets the papers signed, pays off the old loan and sends everyone their share. Some fold mail, wire and e-file costs into the fee, as Chicago Title does in Colorado. Others list each one.

The fee can be per side or for the whole deal. Texas and Oklahoma sheets show one price per side. Hawaii and Washington show one total that buyer and seller split. So when you compare two prices, check which kind each is.

Our guide on what a title company does walks through the full job, from the search to the deed.

Is the settlement fee the same as title insurance?

No. The settlement fee pays for a service: running the closing. The premium pays for a policy. It guards the owner or the lender against old title problems. You’ll see both on your settlement statement, often next to each other.

Many states set or approve premiums. Florida and Texas do, for example. The Texas price list in force since March 1, 2026 comes from the state’s Department of Insurance. Settlement fees work differently. In most states each company sets its own. The Florida Title Association says the state does not regulate the amount of each fee charged at closing. That’s why prices in the table vary so much.

To understand the policy side, read our guide to residential title insurance. For everything a closing costs, see what title fees are and how much they cost.

What does Beycome Title charge?

Beycome Title closes home sales in six states. Its fee is flat. It doesn’t rise with the price of the home. Title insurance and county fees are extra, as with any title company.

Let’s be fair about it. In Florida, Texas and Illinois, the gap is big. In Michigan, our prepaid price sits near the low end of the range. In Ohio, one Dayton-area company charges sellers less than we do, though it bills other seller items apart. Compare the whole fee sheet, not one line.

“Prepaid” means you pay the fee upfront at checkout when you list on beycome.com. Texas doesn’t allow a prepaid title fee, so the price there is the same for everyone. Beycome Title is an affiliate of Beycome, and you’re free to choose any title company. Details are on our Beycome Title prices page.

Selling by owner? Your title company does the same job with or without an agent. You can list your home on the MLS for a flat fee and keep your closing costs in view from day one.

How do you compare settlement fees before you sign?

Ask two or three title companies for their full fee sheet, in writing. Then check these points.

• Is the price per side or for the whole deal?
• Does it include courier, wire, e-recording and document fees, or are those extra?
• Does it change with the price of the home, as in Arizona, Hawaii, Idaho and Washington?
• What does the other side pay, and who picks the title company under your contract?
• Are the title insurance premium and recording fees listed apart from the settlement fee?

If you’re buying with a loan, your Loan Estimate lists title charges with the word “Title” at the start of each line. That makes them easy to compare. Sellers can find their share in our guide to who pays closing costs.

Title settlement fees: quick answers