How Much Does a Burial or Cremation Cost in Your State?
Get a personalized cost estimate and see how much final expense coverage your family would need.
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Showing national averages. Select your state above for local estimates.
Costs shown are estimates based on industry data. Choose a service level above to see different price ranges.
Funeral Home Services
$0
Casket & Vault
$0
Cemetery
$0
Additional Costs
$0
Funeral Home Services
$0
Cremation & Urn
$0
Cemetery / Columbarium
$0
Additional Costs
$0
Recommended Final Expense Coverage
$0
Includes a 10% buffer for unexpected costs and price increases.
Adjust costs above to see your coverage estimate.
How Today's Costs Could Grow Over Time
Funeral costs have historically risen faster than general inflation. Here is what today's estimate could look like in the future.
Why Knowing Your Number Matters
The average funeral in the United States costs between $7,000 and $12,000. Most families are not prepared for this expense, and the cost often falls on the people you love most. Knowing the real cost in your state is the first step toward making sure your family is protected.
Final expense insurance is designed to cover exactly these costs. It is a type of whole life insurance with coverage typically ranging from $5,000 to $50,000. Most plans require no medical exam, and your rate is locked in for life once you are approved.
As an independent brokerage, Asurgo compares plans from 25+ top-rated carriers to find the best rate for your age, health, and state. There is no cost for a quote, and no obligation.
Frequently Asked Questions
What is the average funeral cost in the United States?
The national median cost of a funeral with burial is approximately $7,800 to $9,000 for funeral home services alone. When you add the cemetery plot, vault, headstone, flowers, and reception, the total typically reaches $11,000 to $13,000. Cremation with a memorial service averages $6,000 to $7,000, while a direct cremation can cost as little as $2,000 to $3,500.
What is the difference between burial and cremation costs?
Burial is generally more expensive because it includes a casket, burial vault, cemetery plot, and grave opening/closing fees. Cremation eliminates many of these costs and replaces them with a cremation fee and an urn, which are typically much less expensive. However, if you choose a full memorial service with cremation, the funeral home service fees remain similar.
How much final expense coverage do I need?
A good starting point is the total from this calculator plus a 10% buffer for unexpected costs. Most people choose between $10,000 and $25,000 in coverage. Some add extra to cover outstanding medical bills, credit card balances, or to leave a small financial cushion for their family. A licensed specialist at Asurgo can help you determine the right amount.
Does final expense insurance cover cremation?
Yes. Final expense insurance pays a cash benefit to your beneficiary, who can use the funds for any purpose, including cremation, burial, memorial services, or any other expenses. The policy does not restrict how the money is used.
Why do funeral costs vary by state?
Funeral costs are influenced by regional cost of living, local real estate prices (which affect cemetery plots), state regulations, and the level of competition among funeral homes. States like New York, California, and Massachusetts tend to have higher costs, while states in the South and Midwest are generally more affordable.
How fast are funeral costs rising?
Funeral costs have historically risen at about 3% per year, which is faster than general inflation. Over a 10-year period, a $10,000 funeral today could cost nearly $13,500. This is one reason many financial advisors recommend locking in coverage sooner rather than later, since premiums are based on your age at the time you apply.