Funeral Costs in the U.S. (2025 Guide): Average Prices & 12 Smart Ways to Save

Introduction

Funerals in the United States can be surprisingly expensive. Many families walk into a funeral home without a clear idea of what the costs are, only to feel pressured into packages that quickly add up. The reality is that funerals are one of the largest unexpected expenses most families will face, and knowing what to expect makes all the difference.

On average, a traditional funeral with burial costs between $7,000 and $12,000, while cremation averages $6,000 to $7,500. But depending on the choices you make, those costs can be brought down significantly. This guide breaks down funeral costs in detail and shares practical, proven ways to save money while ensuring your loved one receives a respectful farewell.

At Titan Concierge, we help families understand their options and make informed decisions so they never have to overspend. With nominal options, customizable caskets and urns, and transparent guidance, we make sure your choices honor both your loved one and your budget.

Average Funeral Costs in the U.S.

According to the National Funeral Directors Association (NFDA), the median cost of a funeral with viewing and burial is $7,848, while a funeral with cremation averages $6,970. These averages do not include cemetery costs like a burial plot or grave marker, which can add thousands more.

Main Expenses in a Funeral:

1. Basic service fees (funeral director and staff): $2,000+

2. Viewing and ceremony charges: $900–$1,200

3. Transportation (hearse, service vehicles): $500–$700

4. Casket: $2,000–$5,000 (high-end caskets can exceed $10,000)

5. Embalming and body preparation: $700–$1,200

6. Burial plot and grave marker: $2,000–$5,000 depending on location

7. Urns (for cremation): $200–$500 on average

While these numbers can feel overwhelming, Titan provides nominal alternatives. Families can find high-quality caskets starting at much lower prices, often saving thousands compared to funeral homes, and still customize them with colors, finishes, or engraving to make them personal.

The Most Expensive Parts of a Funeral

The two biggest drivers of funeral expenses are:

• Caskets: The average is around $2,500, but premium wood or metal caskets can cost upwards of $10,000. At Titan, caskets of the same quality start at a fraction of those costs, and every family has the freedom to choose or customize what feels right for them.

• Burial plots and cemetery fees: Land scarcity makes this cost vary widely, with urban cemeteries charging $5,000 or more for a single plot.

These two categories alone can account for more than half of the total funeral bill.

Costs by Funeral Type

Choosing the type of funeral is one of the biggest factors affecting price.

• Traditional Burial Funeral: $7,000–$12,000

• Cremation with Ceremony: $6,000–$7,500

• Direct Burial (no embalming, no viewing): $1,500–$4,000

• Direct Cremation (no ceremony): $1,000–$3,000

Direct cremation and direct burial are the most affordable options, and Titan helps families bundle services and products so you don’t have to compromise dignity for affordability.

Related Reading: How to Choose Between a Traditional Cremation and a Direct Cremation

Regional Differences in Funeral Costs

Funeral costs also vary by state. For example:

• Tennessee (TN): Average funerals are slightly below the national average, around $6,500–$7,000.

• Virginia (VA): Burial costs run higher, often exceeding $8,000 once cemetery fees are included.

These differences are often tied to local land prices, cemetery demand, and regional funeral home pricing.

12 Practical Ways to Save Money on Funeral Costs

Funeral planning doesn’t have to leave your family financially strained. Here are 12 direct, actionable ways to save money:

1. Consider direct cremation or direct burial.
   Skip embalming, viewings, and costly ceremonies if you prefer simplicity.

2. Compare funeral home prices.
   The FTC requires funeral homes to provide a written “General Price List.” Don’t hesitate to call multiple providers.

3. Purchase your casket or urn online.
   You are legally allowed to buy from retailers like Titan, often saving up to 50% compared to funeral homes. With Titan, you also get customization options  from colors to ornamentation, at prices that remain nominal.

4. Avoid unnecessary add-ons.
   Premium flowers, limousine rentals, and printed programs can add hundreds of dollars.

5. Ask for itemized pricing.
   The Funeral Rule (by the FTC) ensures you have the right to clear breakdowns of every charge.

6. Use cremation jewelry or scattering urns instead of expensive caskets.
   A simple urn or keepsake can be more affordable and meaningful. Titan offers personalized urns and keepsakes that balance affordability with sentiment.

7. Skip embalming if not required.
   Embalming is not a legal requirement in most states unless there is a delay in burial or transport.

8. Hold memorial services outside a funeral home.
   Hosting at home, a community center, or a place of worship can save thousands.

9. Explore veterans’ benefits.
   Veterans are entitled to free burial in a national cemetery, including grave marker and opening/closing of the grave.

10. Look into government or state assistance programs.
    Some states and counties provide financial aid for families who cannot afford funerals.
    Related Reading: The Complete Guide To Funeral Cost Assistance (And How To Make Smart, Affordable Decisions)

11. Plan ahead with pre-need arrangements.
    Locking in today’s rates can prevent rising costs.

12. Work with Titan Concierge for customized packages.
    Our team reviews your needs, budget, and wishes, then creates a tailored plan. This way, you get transparent pricing and personalized services without unnecessary costs.

What Happens If You Can’t Afford a Funeral?

If you’re unable to cover funeral costs, several options exist:

• State or county programs often cover direct cremation for low-income families.

• Veterans’ benefits may provide no-cost burials.

• Body donation programs sometimes cover cremation costs after medical study.

• Non-profit organizations may assist with funeral grants or funds.

Even if your family is struggling financially, Titan Concierge can guide you through available resources and find solutions that are respectful, affordable, and practical.

Frequently Asked Questions (FAQs)

Is $10,000 enough for a funeral?
Yes, $10,000 is generally enough to cover a traditional funeral, but choosing direct cremation or a simplified service can leave additional funds for memorial or family needs.

What is the most expensive part of a funeral?
Caskets and cemetery plots are typically the most expensive items. Titan offers equivalent-quality caskets at nominal rates, helping families save.

How much does a burial cost in Virginia?
Burial costs in Virginia often exceed $8,000 once cemetery fees are added.

What happens to a body if no one can pay for a funeral?
Counties typically arrange for direct cremation or burial through public health programs at no cost to the family.

Which is cheaper, cremation or casket burial?
Cremation is generally cheaper than burial, with direct cremation being the most affordable option.

How can I plan a funeral on a budget?
Compare providers, buy caskets/urns online, and consider direct cremation or burial to save thousands. Titan Concierge can also create budget-conscious packages tailored for your family.

Conclusion

Funeral costs in the U.S. can place a heavy burden on families, but understanding the breakdown of expenses and knowing where to cut back helps ensure you don’t overspend. From choosing affordable options like direct cremation to purchasing caskets online, there are many ways to honor a loved one without financial strain.

At Titan, families can find nominal, high-quality caskets and urns with full customization options. And with Titan Concierge, you get personalized planning services designed to fit your budget and priorities. Our goal is to take the stress out of planning so you can focus on what truly matters, honoring your loved one’s memory.

Contact for free expert advice at Titan Concierge today to learn how we can help you save money while planning a dignified farewell.