Understand your potential expenses and where to turn for financial help if needed.
Being aware of the costs and the resources that are available to you when planning a funeral can help smooth the process. Here’s our breakdown of typical funeral costs for residents of Texas.
Average cost of a funeral in Texas
The average cost of a burial in Texas is $6,937.90. This is slightly higher than the national average, which is around $6,723.92. That number isn’t just a reflection of funeral home costs, but a comprehensive look at what the services cost altogether.
Expect these potential expenses when planning a funeral in Texas:
Keep in mind that these are general numbers — reach out to a funeral home directly to get a more accurate estimate.
Average cost of cremation in Texas
The cost of cremation — with services — is approximately $3,720 in Texas. Without services, expect to pay between $1,000 and $2,200. An urn costs about $275 in Texas, though the exact cost will vary by provider.
How to pay for a funeral in Texas
Regardless of your financial situation, you have several possible payment methods to choose from:
- Pay out of pocket. You can fund the funeral with cash, credit or debit card and might even be able to set up a payment plan with the funeral home. In 2017, the median household annual income in Texas was $59,206 , meaning the cost of a funeral could be a month’s paycheck or more.
- Prepay a funeral home. If the funeral home has a permit issued by the Texas Department of Banking to allow for “prepaid funeral merchandise and services,” you can put down money to cover costs early.
- Life insurance. If the deceased person had life insurance, you could submit a claim to the carrier and use the benefit payout to help cover funeral costs.
- Burial insurance. An option if you plan on funding your own funeral, burial insurance is usually cheaper than life insurance, and most policies don’t require a medical exam.
- Look for low-cost options. Texas’s Burial or Cremation Assistance Registry provides a list of funeral homes and cemeteries that offer low-cost or free funeral solutions.
- Local community services. Some Texas counties will help cover expenses for families that lack resources. Get in touch with a nearby Community Services Department to see if you can apply for indigent burial assistance.
- The deceased’s estate. In Texas, only 44% of residents have more than $1000 tucked away in savings. According to Texas law, an estate’s assets must pay funeral expenses and final medical costs before any other claims are made. However, there’s a cap of $15,000 and the expenses must be approved by a court.
- Take out a loan. Borrowing money should be your last resort, though it can help in a pinch. Funeral loans offer quick cash and allow you to pay off costs over time instead of all at once.
- Social security. If the deceased person paid Social Security taxes while working, a lump-sum benefit of $255 may be awarded to the spouse and any children left behind. Though it can’t be paid directly to a funeral home, you can use the money to help cover costs.
- Religious organizations. Check if your church or place of worship offers assistance for burial and last rights. Catholic Charities is a statewide nonprofit that may help. Otherwise, the Salvation Army or United Way could refer you to an organization for aid.
- Veteran’s Administration. The VA offers up to $300 in reimbursement for non-service-related deaths, and will contribute $2,000 for a service-related death. Contact the VA to see if your situation qualifies.
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Does Texas have funeral assistance programs?
Texas doesn’t offer state-funded financial aid for funerals, but its counties and cities often do. Your local Health Services Department should be able to point you in the right direction.
Also inquire with your county office to see if you might be eligible for help. For example, Travis County provides financial assistance for funerals to households that have been at or below the Federal Poverty Income Guidelines for at least 30 days.
Texas keeps an updated list of funeral homes and cemeteries that offer free or discounted burial. Check with your physician or healthcare facility for information about Texas’s Burial or Cremation Assistance Registry. It can refer you to nonprofit organizations that offer monetary assistance to people who need help funding end-of-life costs.
Funeral cost compensation for crime victims
If the deceased person was the victim of a crime, the Texas government will reimburse individuals who pay for the funeral up to $6,500, including costs associated with:
- Funeral and burial services.
- Caskets and urns.
- Grave markers.
- Transporting the deceased for a maximum of 50 miles.
Funeral costs in Texas are pricey, but there are ways to help alleviate the financial stress. If you’re thinking about funds for your own ceremony, you may want to consider life insurance.