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Median funeral cost (cremation)
Average funeral with burial
Average yearly cost increase
Projected cost in 20 years
A Funeral Is One of the Largest Unplanned Expenses a Family Faces
Most families are shocked to learn how much a funeral actually costs. According to the National Funeral Directors Association (NFDA), the median cost of a funeral with viewing and burial is over $7,848 - and that figure does not include the cemetery plot, headstone, flowers, or many other common expenses that can push the total well beyond $12,000.
Unlike most major life expenses, funeral costs often arrive without warning and with very little time to plan. Families are forced to make expensive decisions while grieving, frequently overspending because they feel pressure to honor their loved one without having time to compare options.
Understanding these costs now - and taking steps to plan ahead - can save your family thousands of dollars and immeasurable stress.
Funeral Cost Breakdown
Explore the costs associated with traditional burial and cremation options.
A traditional funeral with viewing and burial typically costs between $10,000 and $15,000. Here is where that money goes.
Hidden Costs Many Families Don't Expect
Beyond the funeral home and cemetery, there are additional expenses that can catch families off guard. These costs can add $2,000 - $8,000 or more to the total.
Flowers & Arrangements
$600 - $2,000
Casket sprays, standing arrangements, and bouquets from family and friends can add up quickly.
Obituary & Death Notices
$200 - $1,500
Newspaper obituaries are charged by the line or word. Online obituaries may be free or have nominal fees.
Transportation
$150 - $500
Service vehicle for family, limousine, additional transportation for out-of-town family members.
Reception & Catering
$500 - $3,000
Post-service gathering, food, beverages, and venue rental if not held at home or church.
Clergy & Musicians
$200 - $600
Honorariums for officiants, musicians, soloists, or other service participants.
Death Certificates
$50 - $200
Multiple certified copies needed for banks, insurance, and legal matters ($10-$25 each).
Funeral Costs Only Go Up
Funeral prices have increased by more than 227% over the past 30 years - far outpacing general inflation. Every year you wait to plan means higher costs for your family.
Outpacing Inflation
Funeral costs rise 4-5% annually, while general inflation averages around 2-3%. This means funerals get proportionally more expensive every year.
Price Lock Guarantee
When you plan ahead, you pay today's prices. Even if costs double in the future, your family will never be asked to pay a penny more.
Flexible Payment Plans
Pay in full or choose monthly installments that fit your budget. Many families pay as little as $50 to $100 per month.
Projected Cost Over Time
*Based on average 5% annual increase. Actual costs may vary by location and provider.
How Planning Ahead Saves Your Family Money
Lock In Today's Prices
The single biggest financial benefit of planning ahead is locking in current prices. A funeral that costs $10,000 today will cost over $26,000 in 20 years at current inflation rates. By prepaying now, you guarantee today's prices no matter when the services are needed.
Avoid Emotional Overspending
Studies show that families who plan funerals at the time of need spend 20-40% more than those who plan ahead. Grief, guilt, and time pressure lead to choosing premium options that may not be necessary. Planning ahead removes the emotional pressure and allows for clear-headed financial decisions.
Compare Options Without Pressure
When you plan ahead, you have the luxury of time. You can research providers, compare prices, ask questions, and make informed decisions. At time of need, families typically have 24-48 hours to make all arrangements, leaving little time for comparison shopping.
Protect Assets from Medicaid Spend-Down
Prepaid funeral plans are generally exempt from Medicaid spend-down requirements. This means your funeral fund is protected even if you need long-term care, ensuring your family does not have to pay out-of-pocket for funeral expenses.
Talk to One of Our Specialists
Every situation is unique. Our specialists will walk you through your options, answer your questions, and help you understand costs based on your preferences and location. No obligation, no pressure - just honest guidance.