Massachusetts Title Insurance and Transfer Tax Calculator
Easily
calculate the Massachusetts title insurance rate and transfer tax for 1 - 4
unit residential units, including the Massachusetts excise stamps. Massachusetts
is one of only three states in the country that does not license title insurers
and one of just eight states that do not regulate title insurance rates in any
way; and does not regulate the agents who represent the insurers. Please send
me an E-mail if you see an error or want to make
a comment. Last updated 6/2018.
Excise tax in Massachusetts
The transfer tax rate is $4.56 per $1000 or fraction thereof of taxable value. There is no excise (transfer) tax due where the stated consideration is less than $100.00.
What is the reissue rate in Massachusetts
The reissue rate is 60% of the rate for the original insurance. The reissue
rate can be applied only up to the amount of insurance of previously issued
policy. The excess amount of insurance, if any, must be calculated at charges
under applicable brackets. Reissue rates are applicable under the following
circumstances:
1. A purchaser or lessee or real estate from one whose title thereto, as
owner, has been insured by any title insurance company within seven (7)
year prior to the application for a new owner's or leasehold policy shall
be entitled to the reissue rate for owner's title insurance in an amount
up to the face liability of such former policy. A copy of said former policy
must be furnished to the new insurer (new issuing agent) prior to issuance
of the new owner's policy.
2. An assured under an owner's or leasehold owner's policy grants a mortgage
on the property insured desires to furnish his mortgagee with a policy of
title insurance. The premium for the Lender’s policy is calculated as stated
in the definition above.
Title Insurance Endorsements in Massachusetts
► See eligible title endorsements
The
Company offers the following ALTA endorsements for use with
the applicable policies. With the exception of the ALTA 3-06 and
3.1-06 Zoning endorsements, there is no charge to use these endorsements.
ALTA® Endorsement 1-06 Street Assessments (6-17-06)
ALTA® Endorsement 3.1-06 Zoning-Completed Structure (10-22-09) $.15 per $1,000 of liability amount
ALTA® Endorsement 3.2-06 Zoning – Land Under Development (04-02-12)TC (10-18-12) $.15 per $1,000 of liability amount
ALTA® Endorsement 3-06 Zoning Unimproved Land (6-17-06)
ALTA® Endorsement 4.1-06 Condominium (10-16-08)
ALTA® Endorsement 5.1-06 Planned Unit Development (10-16-08)
ALTA® Endorsement 6.2-06 Variable Rate Mortgage - Negative Amortization (10-16-08
ALTA® Endorsement 6-06 Variable Rate Mortgage (10-16-08)
ALTA® Endorsement 7.1-06 Manufactured Housing - Conversion: Loan (6-17-06)
ALTA® Endorsement 7.2-06 Manufactured Housing - Conversion: Owner's (6-17-06)
ALTA® Endorsement 7-06 Manufactured Housing Unit (6-17-06)
ALTA® Endorsement 8.1-06 Environmental Protection Lien (6-17-06)
ALTA® Endorsement 8.2-06 Commercial Environmental Protection Lien (10-16-08)
ALTA® Endorsement 9.10-06 Restrictions, Encroachments, Minerals – Current Violations – Loan Policy (4-2-13) TC 8-1-16
ALTA® Endorsement 9.1-06 Covenants, Conditions and Restrictions – Unimproved Land – Owner’s Policy (04-02-12)
ALTA® Endorsement 9.2-06 Covenants, Conditions and Restrictions – Improved Land – Owner’s Policy (04-02-12)
ALTA® Endorsement 9.3-06 Covenants, Conditions and Restrictions – Loan Policy (04-02-12)
ALTA® Endorsement 9.6.1-06 Private Rights - Current Assessments - Loan Policy (04-02-15)
ALTA® Endorsement 9.7-06 Restrictions, Encroachments, Minerals – Land Under Development – Loan Policy (04-02-12) TC 8-1-16
ALTA® Endorsement 9.8-06 Covenants Conditions and Restrictions – Land Under Development – Owner’s Policy (04-02-12) TC (10-18-12)
ALTA® Endorsement 9.9-06 Private Right – Owner’s Policy (4-2-13) Redline of Comments Accepted
ALTA® Endorsement 10.1-06 Assignment And Date Down (2-3-10)
ALTA® Endorsement 10-06 Assignment (2-3-10)
ALTA® Endorsement 11.1-06 Mortgage Modification with Subordination (10-22-09)
ALTA® Endorsement 11.2-06 Mortgage Modification with Additional Amount of Insurance (Adopted 12-02-13)
ALTA® Endorsement 11-06 Mortgage Modification (6-17-06)
ALTA® Endorsement 12.1-06 Aggregation – State Limits - Loan Policy (4-2-13)
ALTA® Endorsement 12-06 Aggregation – Loan Policy (4-2-13)
ALTA® Endorsement 13.1-06 Leasehold – Loan (04-02-12)
ALTA® Endorsement 13-06 Leasehold – Owner’s (04-02-12)
ALTA® Endorsement 14.1-06 Future Advance Knowledge (02-03-11) NO MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.1-06 Future Advance Knowledge (02-03-11) MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.2-06 Future Advance - Letter of Credit (02-03-11) NO MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.2-06 Future Advance - Letter of Credit (02-03-11) MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.3-06 Future Advance Reverse Mortgage (02-03-11) TC (10-18-12) NO MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.3-06 Future Advance Reverse Mortgage (02-03-11) TC (10-18-12) MECHANIC LIEN COVERAGE
ALTA® Endorsement 14-06 Future Advance Priority (02-03-11)
ALTA® Endorsement 15.1-06 Non-Imputation - Additional Insured (6-17-06)
ALTA® Endorsement 15.2-06 Non-Imputation - Partial Equity Transfer (6-17-06)
ALTA® Endorsement 15-06 Non-Imputation - Full Equity Transfer (6-17-06)
ALTA® Endorsement 16-06 Mezzanine Financing (6-17-06)
ALTA® Endorsement 17.1-06 Indirect Access and Entry (6-17-06)
ALTA® Endorsement 17.2-06 Utility Access (10-16-08)
ALTA® Endorsement 17-06 Access and Entry (6-17-06)
ALTA® Endorsement 18.1-06 Multiple Tax Parcel (6-17-06)
ALTA Endorsement 18.2-06 Multiple Tax Parcel (08-01-16)
ALTA® Endorsement 18-06 Single Tax Parcel (6-17-06)
ALTA® Endorsement 19.1-06 Contiguity - Single Parcel (6-17-06)
ALTA® Endorsement 19.2-06 Contiguity - Specified Parcels (04-02-15)
ALTA® Endorsement 19-06 Contiguity - Multiple Parcels (6-17-06)
ALTA® Endorsement 20-06 First Loss - Multiple Parcel Transactions (6-17-06) TC (10-13-11)
ALTA® Endorsement 22.1-06 Location and Map (6-17-06)
ALTA® Endorsement 22-06 Location (6-17-06)
ALTA® Endorsement 23-06 Coinsurance – Single Policy (10-16-08)
ALTA Endorsement 23.1-06 Coinsurance - Multiple Policies (08-01-16)
ALTA® Endorsement 24-06 Doing Business (10-16-08)
ALTA® Endorsement 25.1-06 Same as Portion of Survey (10-16-08)
ALTA® Endorsement 25-06 Same as Survey (10-16-08)
ALTA® Endorsement 26-06 Subdivision (10-16-08)
ALTA® Endorsement 27-06 Usury (10-16-08)
ALTA® Endorsement 28.1-06 Encroachments – Boundaries and Easements (04-02-12
ALTA® Endorsement 28.2-06 Encroachments – Boundaries and Easements – Described Improvements (4-2-13)
ALTA® Endorsement 28.3-06 Encroachments - Boundaries and Easements - Described Improvements and Land Under Development (04-02-15)
ALTA® Endorsement 28-06 Easement - Damage or Enforced Removal (2-3-10)
ALTA® Endorsement 29.1-06 Interest Rate Swap - Additional Interest (2-3-10) TC (04-02-14) TC 8-1-16
ALTA® Endorsement 29.2-06 Interest Rate Swap Endorsement - Direct Obligation - Defined Amount (08-01-11) TC (04-02-14) TC 8-1-16
ALTA® Endorsement 29.3-06 Interest Rate Swap Endorsement - Additional Interest - Defined Amount (08-01-11)TC (04-02-14) TC 8-1-16
ALTA® Endorsement 29-06 Interest Rate Swap Endorsement - Direct Obligation (2-3-10) TC (04-02-14) TC 8-1-16
ALTA® Endorsement 30.1-06 Commercial Participation Interest (08-01-12)
ALTA® Endorsement 30-06 Shared Appreciation Mortgage (7-26-10)
ALTA® Endorsement 31-06 Severable Improvements Endorsement (02-03-11)
ALTA® Endorsement 32.1-06 Construction Loan - Loss of Priority - Direct Payment (4-2-13)
ALTA® Endorsement 32.2-06 Construction Loan – Loss of Priority – Insured’s Direct Payment (4-2-13)
ALTA® Endorsement 32-06 Construction Loan Pending Disbursement (02-03-11)
ALTA® Endorsement 33-06 Disbursement Endorsement (02-03-11)
ALTA® Endorsement 34-06 Identified Risk Coverage (08-01-11)
ALTA® Endorsement 35.1-06 Minerals and Other Subsurface Substances – Improvements (04-02-12) TC 8-1-16
ALTA® Endorsement 35.2-06 Minerals and Other Subsurface Substances – Described Improvements (04-02-12) TC 8-1-16
ALTA® Endorsement 35.3-06 Minerals and Other Subsurface Substances – Land Under Development (04-02-12) TC 8-1-16
ALTA® Endorsement 35-06 Minerals and Other Subsurface Substances – Buildings (04-02-12) TC 8-1-16
ALTA® Endorsement 36.1-06 Energy Project – Leasehold/Easement – Loan (04-02-12)
ALTA® Endorsement 36.2-06 Energy Project – Leasehold – Owner’s (04-02-12)
ALTA® Endorsement 36.3-06 Energy Project – Leasehold – Loan (04-02-12)
ALTA® Endorsement 36.4-06 Energy Project – Covenants, Conditions and Restrictions – Land Under Development – Owner’s (04-02-12)
ALTA® Endorsement 36.5-06 Energy Project – Covenants, Conditions and Restrictions – Land Under Development – Loan (04-02-12)
ALTA® Endorsement 36.6-06 Energy Project – Encroachments (04-02-12) TC 8-1-16
ALTA® Endorsement 36.7-06 Energy Project – Fee Estate – Owner’s Policy (12-01-14)
ALTA® Endorsement 36.8-06 Energy Project – Fee Estate – Loan Policy (12-01-14)
ALTA® Endorsement 36-06 Energy Project – Leasehold/Easement – Owner’s (04-02-12)
ALTA® Endorsement 37-06 Assignment of Rents or Leases (12-3-12)
ALTA® Endorsement 38-06 Mortgage Tax (12-3-12)
ALTA®
ALTA® Endorsement 1-06 Street Assessments (6-17-06)
ALTA® Endorsement 3.1-06 Zoning-Completed Structure (10-22-09) $.15 per $1,000 of liability amount
ALTA® Endorsement 3.2-06 Zoning – Land Under Development (04-02-12)TC (10-18-12) $.15 per $1,000 of liability amount
ALTA® Endorsement 3-06 Zoning Unimproved Land (6-17-06)
ALTA® Endorsement 4.1-06 Condominium (10-16-08)
ALTA® Endorsement 5.1-06 Planned Unit Development (10-16-08)
ALTA® Endorsement 6.2-06 Variable Rate Mortgage - Negative Amortization (10-16-08
ALTA® Endorsement 6-06 Variable Rate Mortgage (10-16-08)
ALTA® Endorsement 7.1-06 Manufactured Housing - Conversion: Loan (6-17-06)
ALTA® Endorsement 7.2-06 Manufactured Housing - Conversion: Owner's (6-17-06)
ALTA® Endorsement 7-06 Manufactured Housing Unit (6-17-06)
ALTA® Endorsement 8.1-06 Environmental Protection Lien (6-17-06)
ALTA® Endorsement 8.2-06 Commercial Environmental Protection Lien (10-16-08)
ALTA® Endorsement 9.10-06 Restrictions, Encroachments, Minerals – Current Violations – Loan Policy (4-2-13) TC 8-1-16
ALTA® Endorsement 9.1-06 Covenants, Conditions and Restrictions – Unimproved Land – Owner’s Policy (04-02-12)
ALTA® Endorsement 9.2-06 Covenants, Conditions and Restrictions – Improved Land – Owner’s Policy (04-02-12)
ALTA® Endorsement 9.3-06 Covenants, Conditions and Restrictions – Loan Policy (04-02-12)
ALTA® Endorsement 9.6.1-06 Private Rights - Current Assessments - Loan Policy (04-02-15)
ALTA® Endorsement 9.7-06 Restrictions, Encroachments, Minerals – Land Under Development – Loan Policy (04-02-12) TC 8-1-16
ALTA® Endorsement 9.8-06 Covenants Conditions and Restrictions – Land Under Development – Owner’s Policy (04-02-12) TC (10-18-12)
ALTA® Endorsement 9.9-06 Private Right – Owner’s Policy (4-2-13) Redline of Comments Accepted
ALTA® Endorsement 10.1-06 Assignment And Date Down (2-3-10)
ALTA® Endorsement 10-06 Assignment (2-3-10)
ALTA® Endorsement 11.1-06 Mortgage Modification with Subordination (10-22-09)
ALTA® Endorsement 11.2-06 Mortgage Modification with Additional Amount of Insurance (Adopted 12-02-13)
ALTA® Endorsement 11-06 Mortgage Modification (6-17-06)
ALTA® Endorsement 12.1-06 Aggregation – State Limits - Loan Policy (4-2-13)
ALTA® Endorsement 12-06 Aggregation – Loan Policy (4-2-13)
ALTA® Endorsement 13.1-06 Leasehold – Loan (04-02-12)
ALTA® Endorsement 13-06 Leasehold – Owner’s (04-02-12)
ALTA® Endorsement 14.1-06 Future Advance Knowledge (02-03-11) NO MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.1-06 Future Advance Knowledge (02-03-11) MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.2-06 Future Advance - Letter of Credit (02-03-11) NO MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.2-06 Future Advance - Letter of Credit (02-03-11) MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.3-06 Future Advance Reverse Mortgage (02-03-11) TC (10-18-12) NO MECHANIC LIEN COVERAGE
ALTA® Endorsement 14.3-06 Future Advance Reverse Mortgage (02-03-11) TC (10-18-12) MECHANIC LIEN COVERAGE
ALTA® Endorsement 14-06 Future Advance Priority (02-03-11)
ALTA® Endorsement 15.1-06 Non-Imputation - Additional Insured (6-17-06)
ALTA® Endorsement 15.2-06 Non-Imputation - Partial Equity Transfer (6-17-06)
ALTA® Endorsement 15-06 Non-Imputation - Full Equity Transfer (6-17-06)
ALTA® Endorsement 16-06 Mezzanine Financing (6-17-06)
ALTA® Endorsement 17.1-06 Indirect Access and Entry (6-17-06)
ALTA® Endorsement 17.2-06 Utility Access (10-16-08)
ALTA® Endorsement 17-06 Access and Entry (6-17-06)
ALTA® Endorsement 18.1-06 Multiple Tax Parcel (6-17-06)
ALTA Endorsement 18.2-06 Multiple Tax Parcel (08-01-16)
ALTA® Endorsement 18-06 Single Tax Parcel (6-17-06)
ALTA® Endorsement 19.1-06 Contiguity - Single Parcel (6-17-06)
ALTA® Endorsement 19.2-06 Contiguity - Specified Parcels (04-02-15)
ALTA® Endorsement 19-06 Contiguity - Multiple Parcels (6-17-06)
ALTA® Endorsement 20-06 First Loss - Multiple Parcel Transactions (6-17-06) TC (10-13-11)
ALTA® Endorsement 22.1-06 Location and Map (6-17-06)
ALTA® Endorsement 22-06 Location (6-17-06)
ALTA® Endorsement 23-06 Coinsurance – Single Policy (10-16-08)
ALTA Endorsement 23.1-06 Coinsurance - Multiple Policies (08-01-16)
ALTA® Endorsement 24-06 Doing Business (10-16-08)
ALTA® Endorsement 25.1-06 Same as Portion of Survey (10-16-08)
ALTA® Endorsement 25-06 Same as Survey (10-16-08)
ALTA® Endorsement 26-06 Subdivision (10-16-08)
ALTA® Endorsement 27-06 Usury (10-16-08)
ALTA® Endorsement 28.1-06 Encroachments – Boundaries and Easements (04-02-12
ALTA® Endorsement 28.2-06 Encroachments – Boundaries and Easements – Described Improvements (4-2-13)
ALTA® Endorsement 28.3-06 Encroachments - Boundaries and Easements - Described Improvements and Land Under Development (04-02-15)
ALTA® Endorsement 28-06 Easement - Damage or Enforced Removal (2-3-10)
ALTA® Endorsement 29.1-06 Interest Rate Swap - Additional Interest (2-3-10) TC (04-02-14) TC 8-1-16
ALTA® Endorsement 29.2-06 Interest Rate Swap Endorsement - Direct Obligation - Defined Amount (08-01-11) TC (04-02-14) TC 8-1-16
ALTA® Endorsement 29.3-06 Interest Rate Swap Endorsement - Additional Interest - Defined Amount (08-01-11)TC (04-02-14) TC 8-1-16
ALTA® Endorsement 29-06 Interest Rate Swap Endorsement - Direct Obligation (2-3-10) TC (04-02-14) TC 8-1-16
ALTA® Endorsement 30.1-06 Commercial Participation Interest (08-01-12)
ALTA® Endorsement 30-06 Shared Appreciation Mortgage (7-26-10)
ALTA® Endorsement 31-06 Severable Improvements Endorsement (02-03-11)
ALTA® Endorsement 32.1-06 Construction Loan - Loss of Priority - Direct Payment (4-2-13)
ALTA® Endorsement 32.2-06 Construction Loan – Loss of Priority – Insured’s Direct Payment (4-2-13)
ALTA® Endorsement 32-06 Construction Loan Pending Disbursement (02-03-11)
ALTA® Endorsement 33-06 Disbursement Endorsement (02-03-11)
ALTA® Endorsement 34-06 Identified Risk Coverage (08-01-11)
ALTA® Endorsement 35.1-06 Minerals and Other Subsurface Substances – Improvements (04-02-12) TC 8-1-16
ALTA® Endorsement 35.2-06 Minerals and Other Subsurface Substances – Described Improvements (04-02-12) TC 8-1-16
ALTA® Endorsement 35.3-06 Minerals and Other Subsurface Substances – Land Under Development (04-02-12) TC 8-1-16
ALTA® Endorsement 35-06 Minerals and Other Subsurface Substances – Buildings (04-02-12) TC 8-1-16
ALTA® Endorsement 36.1-06 Energy Project – Leasehold/Easement – Loan (04-02-12)
ALTA® Endorsement 36.2-06 Energy Project – Leasehold – Owner’s (04-02-12)
ALTA® Endorsement 36.3-06 Energy Project – Leasehold – Loan (04-02-12)
ALTA® Endorsement 36.4-06 Energy Project – Covenants, Conditions and Restrictions – Land Under Development – Owner’s (04-02-12)
ALTA® Endorsement 36.5-06 Energy Project – Covenants, Conditions and Restrictions – Land Under Development – Loan (04-02-12)
ALTA® Endorsement 36.6-06 Energy Project – Encroachments (04-02-12) TC 8-1-16
ALTA® Endorsement 36.7-06 Energy Project – Fee Estate – Owner’s Policy (12-01-14)
ALTA® Endorsement 36.8-06 Energy Project – Fee Estate – Loan Policy (12-01-14)
ALTA® Endorsement 36-06 Energy Project – Leasehold/Easement – Owner’s (04-02-12)
ALTA® Endorsement 37-06 Assignment of Rents or Leases (12-3-12)
ALTA® Endorsement 38-06 Mortgage Tax (12-3-12)
ALTA®