It is 4.578%, it went up in July 2025, and most sites still quote the old number. Who pays, how it is calculated on below-market deals, what is exempt, and the assignment and LLC traps that catch investors.
Why every Pennsylvania title company quotes the same premium, what an owner's policy really costs, why the lender's policy is free in a purchase, and why the "reissue rate" you have read about has not existed since 2012.
Line by line for buyers and sellers on a worked example, plus the Philadelphia-only items — the $139 Property Sales Certification, city-owned utility liens, loaded recording fees and how property tax prorates.
Assignments, estate purchases, entity transfers, tangled titles — these are the files where getting it right early saves the closing. Ask us before you are at the table.
Talk to a title professional who works in Philadelphia every day — including after 5PM, on weekends, and on holidays.
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