How Much Does A Funeral Cost?

However, you can significantly reduce these expenses if you opt for a “direct burial” or “direct cremation.” A direct funeral is when you immediately cremate or bury the body with no funeral services of any kind.

On average, a direct burial costs about $2,597, while the average cost of direct cremation is $2,183.

In this article, you’ll learn how much a funeral costs in each state, the various expenses associated with a funeral, how to save money, and how you can pay for a funeral.

Use the map below to see how much a funeral costs in your local area.

Average Funeral Costs

According to the National Funeral Directors Association, the average funeral costs close to $10,000.

That said, funeral pricing varies based on your location and your preferences.

Below is a table that outlines how much funerals cost in each state.

You can see prices for burial and cremation with and without a funeral service.

Additionally, we’ve included the cost of common end-of-life medical expenses, which is an expense many people fail to consider.

Breakdown Of Funeral Costs

So, what’s included in the almost $10,000 total funeral cost indicated by the NFDA?

Let’s take a look at the average line item costs of the services required for traditional funerals:

Other Possible Expenses To Consider

Depending on your preferences, you may need to account for the following expenses adding to the total cost:

• Cemetery plots ($3,581 on average) — Plot costs vary wildly depending on your region of the country. Also, the specifics of the cemetery, its location, and the size of the plot all influence the cost. For example, some plots in Alaska cost as little as $775, while in California, they might run you over $7,000.

• Grave markers and headstones ($2,000 average cost) — A reasonable expectation for headstone costs is $500 to $3,000. Plain, flat grave markers usually cost hundreds of dollars rather than thousands. However, custom upright monuments or statues can cost more than $10,000, depending on the project’s complexity.

• Flowers ($50 to $80 per arrangement) — These are typical costs, but special arrangements could cost several hundred dollars.

• White doves ($150-$600) — Some families like to opt for the release of white doves as a symbolic way to acknowledge the departed’s transition to another life.

• Mausoleum — A mausoleum is a large free-standing building that houses the body. Some people refer to mausoleums as “burials above ground.” These can be very costly, often costing about $4,000-$5,000 for a basic one.

Cremation Costs Vs. Burial

It’s a common misconception that a cremation service is much less expensive than a traditional burial.

But the 2021 figures reported by the NFDA tell a different story.

With a viewing included, the average burial service (with a vault) cost is $9,420.

With a viewing, a cremation costs $6,970.

Assuming you opt for a burial vault (which most people do), the average cremation is only $2,450 cheaper than a burial service.

However, if you opt for direct cremation, you can save considerable money.

With direct cremation, the body is collected, cremated, and returned to the family in an urn.

There is no service, viewing, or other memorial services.

Funeralocity, a funeral cost comparison website, reports that the average cost of direct cremation is $2,183.

The Funeral Rule- Know Your Rights

In 1984, the Federal Trade Commission established “The Funeral Rule.”

This law grants you the following rights when dealing with a funeral provider:

• Buy only what you select rather than having to accept packages they offer you.
• Obtain pricing over the phone.
• See a General Price List (GPL) that outlines the cost of all the various services and products the funeral home offers.
• See casket prices before physically seeing them.
• See a burial container (vault) price list if it’s not included in the GPL.
• Receive an itemized price list of your selections prior to paying.
• Get an explanation that describes any requirement imposed by a cemetery or crematory.
• You can use alternate containers (other than caskets) for cremation.
• You can buy a casket or urn from third parties.
• Embalming is not required.

The FTC created the funeral rule to ensure predatory providers don’t take advantage of grieving families.

Be sure to remember these rights if you find yourself making funeral arrangements.

Tips For Saving On Funeral Costs

Funerals are expensive, but there are ways to reduce the cost.

Here are some simple steps to significantly reduce funeral expenses:

• Ask for the general price list — All funeral homes must show you a General Price List upon request. Many funeral homes will verbally inflate their prices, hoping you agree to them. However, they are required to honor the rates shown on their general price list regardless of what they state verbally. Every price list will have a separate line entry for each item. It is your right to purchase only the services and goods you want.

• Shop around — Call four to seven funeral homes to get estimates on the services that interest you. Funeral homes are compelled (via the FTC’s Funeral Rule) to give you prices over the telephone.

• Keep your budget a secret — Don’t tell the funeral homes how much money you can spend. If they ask you about your budget, simply say, “I’m not sure, but it won’t be much. What’s the best you can do?”

• Consider buying a casket/urn separately — You aren’t required to purchase a casket, urn, prayer cards, or flowers directly from the funeral home. All those items are typically up-charged by the funeral home, and alternatives can be much cheaper. For example, Costco sells caskets and urns.

• Don’t insist on a viewing — Embalming and body preparation are often not required unless the body is not buried within a specific time. If the funeral needs to be delayed, refrigeration is usually an acceptable storage option instead of embalming.

• Consider a direct cremation/burial — With direct cremation, the cremation process is executed immediately without a funeral service of any kind. Similarly, direct burials are burials without a service or funeral ceremony. Either option will reduce the cost by thousands of dollars.

• Have the memorial at home — You can opt to have the wake (viewing) at a private residence. That will alleviate the costs funeral homes charge for hosting the viewing at their facility.

• Consider an eco-friendly green burial — A green burial (aka “natural burial) is the internment of the body in such a way that decomposition is not inhibited. The goal is for the body to be naturally recycled. There is no embalming, vault, liners, or anything else that is not fully biodegradable. The cost of a green burial is much less than a traditional one. While a typical burial can cost upwards of $10,000, green burials can cost as little as $2,000.

Organizations like the Funeral Consumers Alliance also offer tips and resources for minimizing the costs of funerals, burials, and cremations.

See the FCA’s detailed overview of your legal rights after a loved one dies to get more savings tips.

The FCA’s four-step funeral planning guide also gives you an easy-to-follow game plan for funerals and burials that don’t break the bank.

When dealing with funeral homes, always ask for the general price list and double-check for changes.

Know that a funeral home cannot force you to make unnecessary purchases, like caskets with “sealer” or gilded memorial prints.

Use the numbers in this article to help you create a baseline and budget.

But remember that prices will vary greatly depending on your location.

You can also print this official FTC checklist for funeral expenses and use it as you price shop or compare your options.

If a funeral home includes a fee not listed on the official FTC checklist, never be shy to ask what it is and why it’s there.

Ways To Pay Funeral Costs

Proper funeral planning can help alleviate the massive financial burden for surviving loved ones who face these unexpected expenses.

Here are some of the best ways to prepare for final expenses:

• Put cash in a savings account — Put cash aside specifically to cover end-of-life costs. It’s vital that this money is never used for emergencies or any other life event. If you use it, it won’t be there to pay your funeral costs. Also, make sure the deceased is not the only person named as the account holder where the funds are being held. That would subject the funds to the probate

• Get burial insurance — Purchase burial insurance (aka “final expense insurance” or “funeral insurance”) specifically to cover final expenses. These small face-value whole life insurance policies are explicitly designed to cover funeral costs. Final expense insurance premiums are affordable and are available for seniors up to age 89. Despite pre-existing health issues, seniors can still qualify due to the lenient underwriting. Some life insurance companies offer these plans with guaranteed approval.

• Pre-pay at a funeral home — A pre-paid funeral is a contract set up directly at a funeral home. It outlines all of your funeral preferences, including the net cost. The contract usually includes a “pre-need” policy as a funeral funding mechanism. It’s essentially a life insurance policy where the funeral home is the policy’s beneficiary. With a pre-paid plan, you cannot name your own beneficiaries. You can opt to pay the total cost of the contract in one lump sum. They’ll allow you to make payments if you don’t have the cash on hand to pay it outright. The installment periods are generally 1, 3, 5, or 10 years. Like paying off a financial loan over time, your total payments will surely exceed the total cost of the funeral if you opt to make monthly payments. Pre-paid funerals are a great way to document and pay for your final wishes if you can afford it.

• Sell off assets after death — Liquidate assets to acquire the funds to pay off the funeral bills. This option really should be a last resort because assets (property, 401(k), investments) must go through the probate process before they are accessible. For that reason, there will be a substantial amount of time between the date of death and when you’ll have the cash in hand to pay for the funeral. However, if all other options are unavailable, this might very well be the only way to pay off the final expenses.

• Set up a POD account — POD stands for “payable on demand account” (aka “Totten Trust”). It’s a unique type of bank account where the funds will automatically transfer to your chosen beneficiaries after you die. So you can put your funeral funds in this account as a burial allowance. Then when you die, your beneficiaries can access the money to pay for your funeral.

• Use existing life insurance — All forms of life insurance pay out a tax-free cash death benefit to whomever you name as the beneficiary. Your beneficiaries could use the policy’s proceeds to pay for burial costs. Believe it or not, you can even buy baby life insurance or coverage for seniors over 85. Basically, anyone from age 0-90 can get life insurance (assuming they medically qualify) to cover final expenses.

The key is to think ahead about how much your funeral will cost. Get specific in your will about your wishes, and create a plan to pay for it.

Also, pre-paying can be for some of the more expensive items, like the burial plot. Regardless of your preferences, make sure your family knows about your plans ahead of time.

Getting Financial Assistance If You Cannot Afford A Funeral

If you’re struggling with funeral expenses, you’re not alone.

Many grieving families get hit with a substantial financial burden after a loved one passes away. Thankfully, qualifying families can often get financial help from:

• State and local funding — Some state and local governments offer assistance to low-income residents who cannot afford a funeral. For example, Nevada County in California will pay for a low-cost direct cremation for qualifying residents. Every locality is different, so check what’s available in your state or local jurisdiction.

• Medicaid — Low-income families are often eligible for assistance from state-run Medicaid programs. Since individual states operate their own programs, you’ll need to see what’s available in your resident state. For instance, Michigan’s Medicaid program provides $475 for funeral services, $145 for a cemetery, and $100 to offset the vault cost. Rhode Island, similarly, pays up to $900 for funeral expenses via its Medicaid program.

• Department of Veterans Affairs — If your loved one was a veteran, you should be eligible for VA benefits. The current maximum VA burial allowance is $2,000.

• Social Security — Surviving spouses or eligible children can receive a one-time death payment of $255. Depending on your situation, you may qualify for survivor benefits from the Social Security Administration.

• FEMA COVID-19 funeral assistance — Following the passage of the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 and the American Rescue Plan Act of 2021, FEMA has begun paying funeral expenses for individuals who succumb to COVID-19. If your loved one passed away due to COVID-19 after January 20, 2020, you must present a death certificate stating the cause of death. Presently, FEMA COVID-19 aid recipients can receive a maximum of $9,000 per deceased person. The application maximum is $35,500.

Frequently Asked Questions