Building a family through surrogacy is an extraordinary journey — one full of love, commitment, and careful planning. But for many intended parents, one of the first and most important questions is: How much does surrogacy cost, and how can we afford it?
While surrogacy can be expensive, understanding the financial breakdown — and how to prepare for it — can help you feel empowered and in control of your family-building journey.
How Much Does Surrogacy Cost?
On average, surrogacy in the U.S. can cost between $100,000 and $200,000 or more, depending on several factors. This number includes everything from medical expenses to legal fees to surrogate compensation.
Here’s a closer look at what’s included:
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Surrogate Compensation
This varies based on location, experience, and personal circumstances, but typically ranges from $50,000 to $75,000 (or more for experienced surrogates).
Also includes:
- Monthly allowances
- Maternity clothing stipend
- Multiples or C-section fees
- Lost wages (if applicable)
-
Agency Fees
If you work with a full-service surrogacy agency, expect fees around $20,000 to $30,000. This covers:
Includes:
- Matching services
- Coordination and support throughout the journey
- Screening of surrogates
-
Legal Fees
Surrogacy involves carefully drafted contracts to protect all parties. Legal costs can range from $8,000 to $15,000, covering:
Includes:
- Contracts for surrogate and intended parents
- Parentage orders
- Attorney fees for both sides
-
IVF and Medical Costs
Creating embryos and completing the embryo transfer process is one of the most significant costs, often ranging from $20,000 to $40,000+ depending on the clinic and number of attempts.
Includes:
- Egg retrieval (if not using an egg donor)
- Embryo creation and storage
- Medications and monitoring
- Embryo transfer
-
Insurance and Medical Expenses
Surrogate health insurance coverage is essential. If her current plan doesn’t cover surrogacy, a new plan may need to be purchased, adding $10,000–$30,000+.
Includes:
- Life insurance & Loss of organ coverage
- Out-of-pocket medical costs
- Monthly medical insurance premiums
-
Other Costs
May include:
- Travel expenses (for surrogate)
- Escrow account management
- Psychological evaluations
- Postpartum care
How to Prepare Financially for Surrogacy
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Start Saving Early
Even if surrogacy is a few years away, begin saving now. Consider opening a separate account just for family-building expenses.
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Explore Financing Options
Many agencies and clinics offer payment plans or financing programs. You may also consider:
- Fertility loans
- Home equity loans
- Personal loans
- Low-interest credit cards
- Employer fertility benefits (check with HR — some companies cover part of IVF or surrogacy costs)
-
Apply for Grants or Scholarships
While rare, some nonprofit organizations offer financial assistance for surrogacy or IVF. Examples include:
- Baby Quest Foundation
- Gift of Parenthood
- Pay It Forward Fertility Foundation
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Work with a Financial Advisor
A professional can help you create a realistic budget, plan your savings timeline, and explore your best financing options.
It’s important to work with a reputable agency or clinic that is transparent about costs from the beginning. Ask for a full breakdown and know what’s included (and what’s not). Unexpected costs can arise, but planning for contingencies helps reduce financial stress.
Final Thoughts
Surrogacy is a big emotional and financial investment — but for many families, it’s the path that finally brings them their long-awaited child. By understanding the true costs and preparing with intention, you can focus less on the stress and more on the joy ahead.
If you’re just starting your journey, know that you’re not alone. There are professionals, communities, and resources ready to help guide you — every step of the way.