Ways to Reduce Funeral Expenses

A traditional funeral in Australia
A traditional funeral in Australia | Source

The High Costs of Being Laid to Rest

It can be pricey being laid to rest in style. The average cost of an adult funeral, including the purchase of the casket and the vault was $7,755 in 2009, according to the National Funeral Directors Association, NFDA. This cost did not include the price of a cemetery plot, the obituary, flowers or burial costs.

Noting that $7,755 is an average price for funeral expenses means that some funerals cost less and some cost more. Higher expenses do not necessarily translate into the quality of a funeral, the purpose of which is to honor the person who has died, to gather with loved ones and friends in mutual grief and emotional support, or to memorialize the life of the deceased. Each of these purposes can be accomplished with a minimum of expense through being familiar with funeral and funeral home services and prices and considering alternatives to the traditional methods of funerals and burials.

Let's determine how we can reduce funeral costs without sacrificing the dignity of the dearly departed -- or ourselves, when the time comes.


How to Estimate Funeral Costs

The Funeral Home's Basic Service Fees

The funeral home's basic service fees are an expense of each and every cremation or burial. Costs average $1,200 to $1,900 and include the basic services required after someone has expired:

  • Initial meeting to plan the funeral arrangements
  • Coordinating services with third parties such as the cemetery or crematorium
  • Preparing and filing paperwork such as authorizations and permits and obtaining the death certificate
  • The basic overhead expenses for the funeral home are part of this fee

Essential Services and Average Costs of Traditional Funeral and Burial

Service
Average Cost Range
Burial Vault
$1,000 to $2,000
Casket-cardboard/fiberboard
$150 to $300
Casket-wood or metal
$1,000 to $3,000
Clergy/Celebrant
$125 to $250
Death Certificate fees (per copy)
$10 to $25
Embalming Costs
$500 to $700
Flowers
$200 to $400
Funeral Ceremony Fees
$400 to $600
Funeral Homes' Basic Services
$1200 to $1900
Grave Markers, Monuments
$1000 to $2000
Grave Opening and Closing
$300 to $1,000
Grave/Cemetery Plot
$400 to $10,000
Gravesite Set Up
Ask
Hearse or Funeral Coach
$300 to $400
Obituary
$0 to $600
Other Preparations -cosmetology, dressing
$125 to $250
Printed Material - 100 programs
$40 to $80
Storage and Refrigeration Fees
$50 per day
Temporary Burial Marker
$20
Traditional Burial Package
$3,200 to $4,700
Transportation of Body to the Funeral Home
$125 to $330
Viewing or Visitation Fee at Funeral Home
$300 to $450
Source: thefuneralsite.com

Funeral Home Advertisement

A sign of the times...funeral home business is like so many other business -- the owners are out to make a profit from your loss.
A sign of the times...funeral home business is like so many other business -- the owners are out to make a profit from your loss. | Source

Traditional Burial Package Versus Direct Burial Package

The table above lists the average expense of a traditional burial package to be $3,200 to $4,700. What is in each funeral home's traditional burial package varies from one business to another, but generally covers picking up the body and taking to the funeral home, embalming, cosmetology and dressing of the body, placing the body in the casket, storage, visitation or viewing, a funeral ceremony and transportation of the body to the cemetery.

Some funeral homes include the casket and vault prices in their traditional burial package, but many do not. Those prices would be in addition to the average traditional burial package expense noted above.

A direct burial package has an average price of $1,600 to $4,000. A direct burial package includes no service or ceremony, there is usually no embalming, no open casket. The casket is usually a simple box one, with the deceased being buried soon after death.

State laws vary about the necessity of embalming; some require either burial within 24 hours or refrigeration of the body for up to 72 hours -- past that, the body must be embalmed for public health reasons. If the funeral home you choose requires embalming, ask if that is due to state/local laws or funeral home policy. If it isn't due to state or local laws, you can seek another funeral home.

Remember, both the traditional burial package and the direct burial package expenses are added to the funeral home's basic services fees.

Optional Expenses of a Traditional Funeral Burial

Service
Average Cost Range
Burial Clothes - Men
$170 to $400
Burial Clothes - Women
$95 to $350
Burial Shroud
$195 to $1,000
Guest Register Book
$25 to $80
Limousine or Lead Vehicle
$200 to $350
Musician
$75 to $150
Service Car or Flower Car
$150 to $300
Source:the funeralsite.com

Funeral Casket Advertisement

Is it really vital to choose a top-of-the-line model or will something low or mid-range serve the same purpose?
Is it really vital to choose a top-of-the-line model or will something low or mid-range serve the same purpose? | Source

Cremation as an Option to Traditional Funeral Burial

Over the past 50 years, cremation has increasingly been the method of choice for final services upon death. The NFDA reported that in 1960, only 3.6 percent of final services were done by cremation; in 2011, 40.6 percent of final services were that of cremation.

Direct cremation package fees have a wide range of prices, some of which is determined by whether the funeral home has its own crematorium or contract with a third party for cremation of the deceased. Moderately priced cremation packages range in price from $1,000 to $1,500.

You'll ideally want to find a direct cremation package that includes the basic services fees, removal fees, the cremation container, the cremation itself, a container for the remains after cremation and storage of the remains until they can be picked up, according to TheFuneralSite.com.

Embalming is not required prior to cremation, nor the services of cosmetology, clothing, burial plot, or even a casket. Most states allow an "alternative container," usually a cardboard or fiberboard box in which the body is placed before cremation. Some states require no container at all.

Urns, which are not required by law but are the preferred method of storage of the cremains by many people average $250 to $350 in price.

Funeral Pre-Planning Saves Money, Provides Options

Pre-planning your funeral not only can save on unnecessary expenses at the time of your death, but you also have the opportunity to to arrange how you would like the final ceremony and/or disposition of your body to be handled, removing an emotional burden for loved ones left behind at the time of your death.

The Funeral Site offers a free tool called "Plan Your Funeral" where you can arrange as many or as few details for your funeral as you'd like. Another funeral pre-planning site that is free to use is My Wonderful Life.

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Comments 4 comments

Vickiw 3 years ago

I wish every one would read this. It might save a lot if heart ache over what should be done after a death, considering the financial aspects of the survivors. There is so much guilt over not having all the bells and whistles sometimes, and it is so unnecessary for quality. Great Hub. Expect that a lot of people don't like to be reminded of the forthcoming big event in their lives!


L.L. Woodard profile image

L.L. Woodard 3 years ago from Oklahoma City Author

VickiW, ah yes, I agree that we don't like to be reminded of our mortality or that of those dearest to us. Unfortunately, when we are unable to deal with the realities of life and death, we forfeit choices and opportunities.

Unless someone has been put in the position themselves, I don't think people realize the angst of the survivors with making final arrangements. I hope this hub provides insight for such people before it is too late.

Thank you for your read and comments.


Yeni 2 years ago

B A: Classics POLL indulge me and anewsr ♥?I'm a little bored, and wanted to see what people would anewsr to the following poll. ♥(and be honest!!! don't put fake anewsrs that you think people want to see!!) D:< Q1: List your top 5 favorite classical literatureQ2: List your top 5 favorite books read for pleasureQ3: If you were watching TV, what would you most likely be watching?Q4: What is your favorite pastime/hobby?BQ1: Physical book or e-reader?BQ2: Nook or Kindle?BQ3: If no one was around, and you were in a long, tiled hallway you would _______BQ4: Favorite movie(s) *******************************Q1:• Hamlet• King Lear• Othello• The Tempest• Alice in Wonderland/Through the Looking GlassQ2:• Discworld series by Terry Pratchett• Sword of Truth series by Terry Goodkind• Dresden Files series by Jim Butcher• The Hobbit/LOTR series by JRR Tolkein• Immortals After Dark series by Kresley ColeQ3:• Discovery Channel• History Channel• NickelodeonQ4:• Reading• Anime/manga• Drawing/painting• Video gamesBQ1: at the end of the day – physical bookBQ2: I have a Nook, and so far I like itBQ3: I would totally be skipping, dancing, tap dancing down the hall (IF no one was looking)BQ4: Moonstruck, My Big Fat Greek Wedding, Christmas StoryGo crazy! ooo for BQ4: totally forgot to add Spirited Away! I could watch that all day, every day. ♥ ♥ ♥


Ashish 24 months ago

that just as Voldemort cannot die while his soul fagrments remain, Harry is also protected from death because his blood was used in Voldemort's resurrection.Harry revives, but feigns death. Voldemort has Hagrid carry Harry's body to Hogwarts as a trophy. When Neville Longbottom defies Voldemort, the Sorting Hat is placed aflame on his head; pulling it off, he withdraws Gryffindor's sword from it and beheads Nagini, destroying the final Horcrux. Knowing that he is the Elder Wand's true master, Harry challenges Voldemort. When Draco Malfoy disarmed Dumbledore on the Astronomy Tower, he unknowingly became the Elder Wand's master; Harry gained its allegiance when he captured Draco's own wand. Voldemort casts a Killing Curse as Harry conjures a Disarming Spell, but the Elder Wand backfires Voldemort's curse, killing him.9.) What is the saddest part of the story?When Snape dies, he gives Harry memories that prove his loyalty to Dumbledore, motivated by his lifelong love for Harry's mother Lily. Another sad part is when Hermione is tortured by Bellatrix Lestrange10.) What is the most unforgetable part of the story?The battle at Hogwarts11.) What lesson can you get from the story?To be able to do what is right, no what is easy

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