How much do funerals cost? [2024]

One thing is certain, and not many people like to think about it. The truth is that we’ll all pass away at some point. If you’re married, own property, or have children, it’s best to plan ahead to ensure that your funeral isn’t a stressful ordeal for the loved ones you leave behind.

The first step in planning your funeral is finding out how much it costs. After all, funeral costs tend to rise annually, and staying on top of expenses is recommended to avoid financial surprises in the future.

So, how much do funerals really cost in 2022? In this guide, we’ll break down all the costs associated with planning a funeral or cremation.

How much does the average funeral cost?

According to The National Funeral Directors Association, the average cost of a funeral and burial is about $9,420.

This figure includes the services of a funeral director, embalming and other preparation of the body, use of facilities for viewing and a memorial service, transportation to the cemetery or crematorium, and related costs.

The estimate also doesn’t include the cost of a casket, flowers, obituaries, or grave markers. Because of that, it’s important to evaluate all the necessary and additional costs of a standard funeral.

Burial insurance coverage is available but tends to be more expensive than different types of life insurance because insurance companies often don’t require medical histories.

Read more: The Cost of End of Life Care: 48 Facts for Families and Caregivers

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What are the essential costs of a funeral?

The following costs are considered essential for a traditional funeral:

• Professional services of the funeral director and staff. This fee includes consultations, assistance with paperwork, arranging and directing the ceremony, use of facilities, and transportation to and from the cemetery or crematorium. These services generally range from $1,500 to $3,000.
• Embalming. Many states require embalming if you plan on having a visitation before the burial. Embalming costs typically range from $400 to $800.
• Casketing. If you choose to have your loved one casketed (in a coffin or casket), this could add up to around $2,500.
• Cremation fee. If you opt for cremation instead of a burial, the cost can range from $400 to $2,000, depending on the state and crematory.
• Grave opening/closing. Costs range from $1,000 to $4,000 depending on cemetery fees and whether this provision is performed before or after the service.

These essential costs are only part of the total funeral expense. There will also be additional expenses to consider, such as flowers, obituaries, grave markers, and other services that might be necessary.

Average Costs and Procedures for Purchasing Through a Funeral Home

Fortunately, buying funeral and burial services aren’t too difficult. You can contact a funeral home, to arrange the services through a professional funeral director.

The average cost of this option typically ranges between $8,000 and $10,000, depending on the type of service desired. This figure includes the above essential expenses and any extra services, such as flowers or obituaries.

When choosing a funeral home, it’s important to consider your options carefully. Make sure you understand the services they offer and all the costs associated with them before making a final decision.

Cremation vs. Burial

The cost of cremation is usually lower than that of a traditional burial.

Cremation typically costs between $1,000 and $2,500, depending on the state and crematory. However, it’s important to note that you will still have to pay for any extra cremation-related services, such as flowers, an obituary, or death certificates.

Burial expenses are typically higher. In addition to the essential fees listed above, you may need to purchase additional items, such as a cemetery plot or grave marker. These costs can range from $300 to $5,000 depending on where it’s purchased and if an opening/closing fee is involved.

Embalming Costs

Some states require embalming if you’re planning a viewing, and the cost for embalming can range from $400 to $800.

Still, not all states require embalming. So in most cases, it’s up to the family to decide whether or not they want their loved one embalmed.

It’s important to note that additional costs will be associated with purchasing a casket or other items needed for the service.

Flower Costs 

The cost of flowers for a funeral service or graveside ceremony will vary depending on the type and number of arrangements you choose. Flowers can range from $50 to $200 or more, depending on your budget.

You may also opt to have friends and family bring their own flowers, or create a memorial with photos, mementos, and other personal items.

Wreath Costs

A sympathy wreath or other memorial items, such as a cross or urn, can cost anywhere from $50 to $200. The cost may be lower if you choose to make your own.

Additional Services

Depending on what type of service you’re holding and where it’s taking place, additional costs may be associated with renting equipment or facilities. For example, if the service is held at a church or other venue, there might be an extra fee for using their space.

Similarly, if you’re having a reception afterward, there could be fees associated with catering or food and beverage services.

Funeral Plot

Funeral plot costs can vary depending upon the location of the cemetery. 

Grave Markers

Grave marker can vary in cost. For example, marble markers typically range from $500 to $4,000, depending on the size and design. Other materials, such as granite or bronze, may be more expensive.

Casket Costs

How much is a casket? The cost of a casket will also vary depending on the material and style you choose. On average, a traditional wooden casket costs between $2,000 and $4,000.

Average Funeral Cost by State

Funeral costs usually vary by state and region. Once you browse the average funeral cost in your state, it’s best to do your research and shop around to find a cheaper rate than what’s visible on the table.

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How to Finance a Funeral

Funeral costs have skyrocketed in recent years. You’re not alone if you find it difficult to pay for a funeral. Unfortunately, few Americans have thousands of dollars to spare when it’s time to bury a loved one.

To ease that burden and mitigate your expected funeral costs, consider the following options:

• Burial insurance. Burial insurance is a type of life insurance that helps cover funeral and burial costs. It pays out a lump sum upon the insured person’s death, which can then be used to pay for their final expenses.
• Pre-need funeral plan. A pre-need funeral plan allows you to finance your funeral in advance. This can help you save money and provide peace of mind knowing that your loved ones won’t have to worry about financing your funeral when it’s time.
• Burial bank account (irrevocable funeral trust). An irrevocable funeral trust is an account designated explicitly for paying funeral expenses. The funds are held in trust until needed and are not subject to taxes or probate.
• Government assistance. Depending on where you live, government assistance programs may help cover funeral costs. For example, in some states, veterans are eligible for burial benefits from the Department of Veterans Affairs. Other states may assist those who qualify financially.

No matter your situation, it’s essential to consider all your options before deciding how to finance a funeral. With the right planning, you can ensure that your loved one’s final expenses are taken care of without breaking the bank.

Read more: End-of-Life and Estate Planning for Veterans

How to Choose the Right Funeral Home

When you’re ready to pay for a funeral, the next step is usually hiring a funeral home if you don’t want to move forward with cremation. Before choosing a funeral home, consider the following factors to make an informed buying decision.

Strongly Consider the Services They Offer

The basis of any funeral home package is the services they provide. This may be one of the most important factors that will sway your ultimate decision. You can usually find a funeral home’s services on their website or by calling them.

Generally, there are some basic services to consider:

• Transportation of the deceased
• Embalming and other services, such as cosmetics or hairstyling
• Casket selection
• Memorial service planning and setup
• Obituary writing or placement

Additionally, some funeral homes provide special services like grief counseling or a catering facility for memorial events. Consider which services are most important to you when making your decision.

Pay Close Attention to Reputation and Reviews

It is always important to be aware of a funeral home’s reputation. Do some research and ensure you are comfortable with the quality of services offered by the funeral home you choose.

Business rating sites, such as Yelp or Angie’s List, can provide ratings from other customers who have used the funeral home in question. 

Additionally, consider asking family and friends for recommendations on their own experiences with local funeral homes. This can give you an idea of which businesses to trust.

Prioritize Your Cultural and Religious Needs

When selecting a funeral home, make sure to consider the cultural and religious beliefs of your family. Not all funeral homes offer services tailored to certain faiths or traditions, so it is important to consider this when deciding.

It may be helpful to ask a local religious leader for recommendations on funeral homes that specialize in what you need. This can give you peace of mind knowing that your loved one will receive the respect they deserve in their final moments.

Set a Budget and Compare Prices

In addition, make sure to consider the cost of services when making your selection. Every funeral home has different prices, so it is important to compare costs and set a realistic budget.

You can ask for a general price list from each funeral home and then compare the features that come with each package. This will ensure you get what you need at the price you can afford.

Don’t Ignore the Staff

Finally, when choosing a funeral home, consider the staff. The quality of care and attention from the funeral home’s staff is an important factor to consider.

A good funeral home should offer attentive and helpful service to make the process easier for you during such a difficult time. Take some time to get to know the staff members before deciding.

Case Studies: Understanding Funeral Costs

Case Study 1: The Williams Family’s Financial Planning

The Williams family had a proactive approach to funeral planning. They researched various funeral options and discussed their preferences with a funeral director. They decided to purchase a pre-paid funeral plan, which allowed them to lock in the current prices and alleviate the financial burden on their family members in the future.

By planning ahead, the Williams family was able to ensure that their funeral costs were covered and provide peace of mind for their loved ones.

Case Study 2: The Rodriguez Family’s Unexpected Expenses

The Rodriguez family experienced the sudden loss of their family member, Mr. Carlos Rodriguez. They were unprepared for the financial burden of funeral expenses. With limited savings and no life insurance coverage, they had to rely on crowdfunding and support from friends and family to cover the costs.

This situation highlighted the importance of having a financial safety net, such as life insurance, to protect loved ones from unexpected expenses.

Case Study 3: The Thompson Family’s Comparison Shopping

The Thompson family took a proactive approach to managing funeral costs. They researched multiple funeral homes in their area, comparing prices and services offered.

By obtaining itemized quotes and discussing their budget with different funeral directors, they were able to make an informed decision and choose a funeral home that provided quality services within their financial means. This approach allowed the Thompson family to save money while still honoring their loved one’s memory.

Case Study 4: The Jackson Family’s Community Support

The Jackson family faced financial challenges when arranging a funeral for their loved one, Mrs. Emily Jackson. However, their community rallied around them to provide support. Local organizations and churches offered assistance with fundraising, donated services, and provided resources to help cover the funeral costs.

The Jackson family’s experience highlighted the importance of community support networks and the potential for community-based initiatives to alleviate financial burdens during difficult times.

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The Bottom Line on Funeral Costs

Overall, funeral costs are usually expensive. However, this doesn’t mean you have to forgo a beautiful and meaningful service for your loved one.

Considering the costs, your best course of action is to set a budget, research different funeral homes, and consider the reputation of the funeral provider you hire.

By following these guidelines, the process of selecting a funeral home can be made easy and stress-free. With this knowledge, you can move forward with confidence, knowing that your loved one is receiving the care and respect they deserve.

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