Estimate Your Surrogacy Cost

Every surrogacy journey is different. See a realistic cost range based on your specific situation.

Country
Surrogacy type

Gestational uses an embryo. Traditional uses the surrogate's own egg.

Used to adjust the estimated medical & fertility clinic cost range.

Surrogate experience
Estimated transfers

How many embryo transfer attempts you're budgeting for. Each additional transfer adds medical costs.

Insurance coverage

Whether existing insurance already covers surrogacy care, or a new policy is required.

Matching approach

Estimated cost

TypicalHigher range
Surrogate compensation
$44,000
$54,000
Medical & fertility clinic costs
$8,000
$18,000
Legal fees
$7,500
$12,000
Escrow services
$1,500
$2,500
Insurance coverage
Agency matching & support fee
Travel & contingency
Total$67,400$100,700
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Estimated range only, not a quote. Actual costs will vary based on your specific situation and provider.

Typical surrogacy cost ranges

These tables use the same cost model as the calculator above. Adjust the interactive tool for embryo situation, transfers, insurance, and matching approach.

Typical U.S. surrogacy cost by state

Independent gestational journeys with a frozen embryo, one transfer, and insurance already covered. Experienced ranges include higher surrogate compensation from the model.

Typical U.S. surrogacy cost by state. Independent gestational journeys with a frozen embryo, one transfer, and insurance already covered. Experienced ranges include higher surrogate compensation from the model.
StateFirst-time surrogateExperienced surrogate
Alabama$54,700 – $99,600$65,200 – $127,600
Alaska$68,300 – $115,300$78,800 – $143,300
Arizona$63,100 – $108,600$73,600 – $136,600
Arkansas$54,700 – $99,600$65,200 – $127,600
California$78,800 – $131,000$89,300 – $159,000
Colorado$70,400 – $117,600$80,900 – $145,600
Connecticut$70,400 – $117,600$80,900 – $145,600
Delaware$63,100 – $108,600$73,600 – $136,600
Florida$64,100 – $110,800$74,600 – $138,800
Georgia$62,000 – $107,500$72,500 – $135,500
Hawaii$73,600 – $119,800$84,100 – $147,800
Idaho$55,700 – $100,800$66,200 – $128,800
Illinois$68,300 – $115,300$78,800 – $143,300
Indiana$57,800 – $103,000$68,300 – $131,000
Iowa$55,700 – $100,800$66,200 – $128,800
Kansas$55,700 – $100,800$66,200 – $128,800
Kentucky$55,700 – $100,800$66,200 – $128,800
Louisiana$59,900 – $105,200$70,400 – $133,200
Maine$62,000 – $107,500$72,500 – $135,500
Maryland$64,100 – $110,800$74,600 – $138,800
Massachusetts$71,500 – $118,700$82,000 – $146,700
Michigan$61,000 – $106,400$71,500 – $134,400
Minnesota$62,000 – $107,500$72,500 – $135,500
Mississippi$54,700 – $99,600$65,200 – $127,600
Missouri$56,800 – $101,900$67,300 – $129,900
Montana$55,700 – $100,800$66,200 – $128,800
Nebraska$55,700 – $100,800$66,200 – $128,800
Nevada$64,100 – $109,700$74,600 – $137,700
New Hampshire$68,300 – $115,300$78,800 – $143,300
New Jersey$70,400 – $117,600$80,900 – $145,600
New Mexico$56,800 – $101,900$67,300 – $129,900
New York$76,700 – $127,600$87,200 – $155,600
North Carolina$62,000 – $107,500$72,500 – $135,500
North Dakota$55,700 – $100,800$66,200 – $128,800
Ohio$61,000 – $106,400$71,500 – $134,400
Oklahoma$55,700 – $100,800$66,200 – $128,800
Oregon$68,300 – $115,300$78,800 – $143,300
Pennsylvania$63,100 – $108,600$73,600 – $136,600
Rhode Island$68,300 – $115,300$78,800 – $143,300
South Carolina$62,000 – $107,500$72,500 – $135,500
South Dakota$55,700 – $100,800$66,200 – $128,800
Tennessee$59,900 – $105,200$70,400 – $133,200
Texas$63,100 – $109,700$73,600 – $137,700
Utah$56,800 – $101,900$67,300 – $129,900
Vermont$62,000 – $107,500$72,500 – $135,500
Virginia$64,100 – $110,800$74,600 – $138,800
Washington$73,600 – $119,800$84,100 – $147,800
Washington D.C.$73,600 – $123,200$84,100 – $151,200
West Virginia$55,700 – $100,800$66,200 – $128,800
Wisconsin$61,000 – $106,400$71,500 – $134,400
Wyoming$55,700 – $100,800$66,200 – $128,800

Typical Canada surrogacy cost by province

Independent gestational journeys with a frozen embryo, one transfer, and insurance already covered. Provincial reimbursement is the location-based part of the model.

Typical Canada surrogacy cost by province. Independent gestational journeys with a frozen embryo, one transfer, and insurance already covered. Provincial reimbursement is the location-based part of the model.
ProvinceTypical range
AlbertaCA$35,200 – CA$79,100
British ColumbiaCA$35,200 – CA$81,300
ManitobaCA$32,100 – CA$75,700
New BrunswickCA$31,000 – CA$74,600
Nova ScotiaCA$31,000 – CA$74,600
OntarioCA$37,300 – CA$84,700
QuebecCA$32,100 – CA$76,900
SaskatchewanCA$31,000 – CA$74,600

Frequently asked questions

View all FAQs

Independent U.S. surrogacy journeys can cost around $75,000–$150,000, while agency-supported journeys often cost $110,000–$220,000 or more. The total depends on surrogate compensation, IVF and medical costs, legal fees, insurance, and agency services. See the full cost breakdown.

Surrogacy in Canada typically costs CA$80,000–CA$120,000 or more through a full-service agency, or around CA$35,000–CA$75,000 for an independent journey. Canadian law prohibits paying a surrogate for carrying a pregnancy, but eligible expenses can be reimbursed. Total costs can also include legal, medical, and agency fees where applicable.

The main difference is the agency fee, typically $20,000–$45,000. Other costs, such as surrogate compensation, medical care, legal fees, escrow, and insurance, can apply to both. With independent matching, you handle the screening, matching, and coordination instead of paying an agency to do it.

Surrogacy costs can include surrogate compensation, medical and fertility clinic costs, legal fees, escrow services, insurance, and travel. Agency-supported matching adds an agency fee on top of these core costs.