Surrogacy Costs in the USA: State by State Breakdown (NY, NJ, CA, TX, FL)

Surrogacy in the United States is one of the most effective ways to build a family, but it is also among the most expensive. Understanding how surrogacy costs differ by state can help intended parents make informed decisions and potentially save tens of thousands of dollars. This guide provides a detailed breakdown of surrogacy costs in five major states: New York, New Jersey, California, Texas, and Florida. We’ll also include real patient stories, expert insights, and strategies for finding affordable surrogacy programs.

Average Cost of Surrogacy in the USA

The average surrogacy journey in the United States costs between $110,000 and $180,000. In some cases, particularly with larger concierge-style agencies, the cost can exceed $200,000. These costs cover surrogate compensation, agency fees, medical expenses (including IVF), legal fees, and insurance.

Surrogacy4All is one of the most affordable physician-led agencies in the U.S., with programs beginning at approximately $120,000. By operating with transparency, physician oversight, and nationwide surrogate recruitment, Surrogacy4All reduces costs without compromising care.

Surrogacy Costs by State

New York Surrogacy Costs

New York legalized compensated gestational surrogacy in 2021. Because the state has a higher cost of living, surrogate compensation is often $55,000–$70,000. Overall costs in New York typically range from $130,000 to $180,000.

New Jersey Surrogacy Costs

New Jersey offers one of the more affordable surrogacy options in the Northeast. Typical surrogate compensation is $45,000–$55,000, bringing total costs to about $120,000–$160,000.

California Surrogacy Costs

California is the most established state for surrogacy, but also the most expensive. High demand, strong legal protections, and higher surrogate pay ($60,000–$75,000) drive total costs to $180,000–$250,000 or more.

Texas Surrogacy Costs

Texas has strong surrogacy laws and lower cost of living, which keeps costs more affordable. Total surrogacy costs in Texas generally range between $120,000 and $150,000.

Florida Surrogacy Costs

Florida is another affordable option with supportive laws for intended parents. Typical costs are between $120,000 and $150,000, with surrogate compensation averaging $40,000–$50,000.

Case Study: Alice’s Journey with Surrogacy Costs

Alice, an intended parent from New Jersey, first worked with a large national agency. She paid nearly $175,000 in fees and waited months for a surrogate match. One night, at 4 a.m., she experienced pregnancy complications and called her attorney owned agency—only to reach a voicemail service saying the office was closed. Without real support, she went to the emergency room, where she suffered a heartbreaking miscarriage.

Disappointed and frustrated, Alice switched to Surrogacy4All. Here, she had the personal cell phone number of a physician available 24/7. Her new journey cost $125,000—$50,000 less than her previous experience—with faster support, real medical oversight, and compassionate care. Today, Alice strongly recommends Surrogacy4All for its affordability and physician-led approach.

How to Save Money on Surrogacy in the USA

Intended parents can lower surrogacy costs by:

• Choosing agencies in states with lower living costs, such as Texas or Florida.
• Considering independent or hybrid surrogacy programs.
• Using employer benefits and insurance for IVF and maternity care.
• Applying for fertility grants and financial aid programs.
• Selecting a physician-led agency for transparent flat-fee pricing.

Related Blogs

1. How to Save Money on Surrogacy – Independent & Hybrid Models Explained
2. Surrogacy Financing, Loans, and Grants – What Intended Parents Should Know
3. Affordable Surrogacy Options for LGBTQ+ and Single Parents
4. Hidden Costs in Surrogacy – What Agencies Don’t Always Tell You
5. Best Surrogacy Agencies 2025 – Ranked by Cost & Transparency

Take the Next Step

If you are considering surrogacy, cost does not have to be a barrier. Contact Surrogacy4All today at 1-212-661-7177 or visit Surrogacy4All.com to learn how we make family building affordable and accessible.