Funeral Costs: How Much Does an Average Funeral Cost?

Many times you'll hear people say that the average funeral costs around $6,000.  However, that estimate is based on a price survey taken several years ago.  Funeral prices, like everything else, have increased with inflation.

Today, the average North American traditional funeral costs between $7,000 and $10,000.  This price range includes the services at the funeral home, burial in a cemetery, and the installation of a headstone.  While cremation is gaining in popularity, the traditional funeral is still the most popular manner for disposing of the deceased.

Here is a reasonable "ballpark" estimate of the main funeral costs.

It's important to notes that funeral prices vary considerably between funeral homes and geographic areas of the country,

    • fee for the funeral director's services: $1,500
    • cost for a casket: $2,300
    • embalming: $500
    • cost for using the funeral home for the actual funeral service: $500
    • cost of a grave site: $1,000
    • cost to dig the grave: $600
    • cost of a grave liner or outer burial container: $1,000
    • cost of a headstone: $1,500

In this example, total costs would approximate $9,000....and that's just for the "main" items.  There could be additional charges for things like placing the obituary in the newspaper and buying flowers.

Fortunately, there are many tools you can use to reduce the cost of funeral services to a more reasonable level.  We recommend searching and comparing local funeral home pricing at Parting.com.

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Comments

kathy baggarly 5 months, 2 weeks ago

NO WHERE ON THIS WEBSITE DID I SEE IF YOU DIE BEFORE TWO YEARS OF PURCHASING A FINAL EXPENSE POLICY YOUR SHIT OUT OF LUCK . YOUR ON YOUR OWN . WOW WHAT PEACE OF MIND MY MOM THOUGHT SHE HAD .GOT THE CHECK IN THE MAIL TODAY FOR THE PREMIUMS NOT EVEN A SORRY FOR YOUR LOSS . ANYONE WANT TO CALL LOVE TO HERE FROM YOU 478-319-2845

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Teresa 5 months, 2 weeks ago

Hello Kathy,
First of all I want to let you know I'm sorry for your loss. I'm an insurance agent and am familiar with the type of plan your mother had. It was either a Modified, Graded Benefit or Guaranteed Issue plan. These types of plans make it possible for individuals with certain medical conditions to be able to obtain life Insurance but at a higher premium because they are high risk. With most companies the premiums will be returned plus interest, however the plans don't become full benefit plans until you've had the plan for at least two years with most companies. That's why it's important to purchase Life insurance when your young and definitely before you are diagnosed with a medical condition by a doctor. However I do agree that a condolence note from the Insurance Company would have been nice. I hope this helps.

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Anne 4 months, 1 week ago

Holy Smokes I had no idea about the "within two years" thing. Just another horror relatives will face at the passing of their loved ones. Thanks for the heads-up.

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Michael Minter 3 months ago

When someone has health issues and they are shopping for a final expense policy it can be more challenging to find an affordable option. There are companies that guarantee to accept you for coverage and offer you a policy regardless of your health.

These polices are known as guaranteed issue or graded benefit policies and they are available to you as you are not confined to a nursing home, incarcerated, or in an assisted living facility. Guaranteed issue policies are usually the only option available to someone over the age of 80.

Guaranteed Issue or Graded Benefit

A Guaranteed Issue or Graded Benefit policy will accept almost everyone that applies, but to protect the risk insurance companies risk, these polices do not offer a full payout if the insured person dies within the first 2 years of the policy. If someone dies during the first 2 years of a guaranteed issue policy, the premiums plus interest are paid to the beneficiary.

With a graded benefit policy the beneficiary is paid a percentage of the policy benefit if the insured passes away during the first 2 years of the policy. A graded benefit or guaranteed benefit policy is designed for anyone with a serious health issue that would otherwise not qualify for life insurance. These policies can be a bit more expensive, but they are guaranteed to accept the applicant and the rates do not increase over time.

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Ann puzio 2 months, 2 weeks ago

Life insurance- at present time have it at work- will lose it when I retire . I am single no kids- I will either pre-pay somewhere - or put 10,000.00 in an annuity . With interest I should have enough for my final expense. My benefactor should be able get the money quick.

Insurance companies try sell whole life- told no need for medical questions if getting less then 30,000.00. But why medical questions if getting term??

Yes, I will not have access to the money I pre-pay or put into an annuity account. But, then I do not need to worry if I forget a payment or die before two years.

Look into options before getting whole life insurance or any life insurance for that manner. Term is good if young and you have a family- God forbide you die young and leave young children. But, if you have a plan at work, but a little aside so when you retire you can pre-pay or but money into an annuity for your finale expense.

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