Surrogacy Cost in 2025: What Intended Parents Should Expect

By Dr. Kulsoom Baloch

Learn more about Dr. Baloch

Introduction

Surrogacy can be a life-changing option for individuals and couples who cannot carry a pregnancy themselves. But it comes with a substantial financial investment. This guide offers a complete breakdown of what surrogacy costs in 2025, from agency and legal fees to surrogate compensation and medical expenses.

Average Cost of Surrogacy in 2025

The total cost for gestational surrogacy in the United States ranges from **$90,000 to $160,000**. The final amount depends on the agency, location, legal complexity, number of embryo transfers, and whether twins are involved.

1. Surrogate Compensation

• Base compensation: $45,000–$60,000
• Monthly allowances: $200–$400
• Multiples (twins): $5,000–$10,000
• C-section bonus: $2,500–$5,000
• Lost wages (if applicable)

2. Surrogacy Agency Fees

• Matching and case management: $30,000–$40,000
• Psychological evaluations
• Background checks
• Coordination of services

3. Medical and IVF Expenses

• IVF cycle: $12,000–$20,000
• Medications: $3,000–$8,000
• Embryo transfer: $2,500–$4,000
• Monitoring: $3,000–$5,000
• Egg donor (if needed): $15,000–$30,000

4. Legal and Insurance

• Surrogacy contract: $3,000–$6,000
• Surrogate’s legal representation: $1,500–$2,500
• Parental establishment: $2,000–$5,000
• Surrogate health insurance or surrogacy-specific policy: $8,000–$30,000

5. Miscellaneous Expenses

• Travel and lodging for appointments or birth
• Maternity clothing allowance: $500–$1,000
• Escrow management: $1,000–$2,000
• Postpartum recovery support

Ways to Manage Surrogacy Costs

• Use frozen embryos to reduce IVF cycles
• Work with an experienced agency like Surrogacy4All to avoid missteps
• Set up a clear payment schedule through escrow
• Ask about bundled or all-inclusive programs

Are There Low-Cost Surrogacy Options?

International or hybrid surrogacy programs may reduce costs, but they come with additional legal and logistical complexities. Always consult a reproductive attorney.

Upcoming potential legal changes:

Trump has proposed significant positive changes in the fertility laws that may be acted in 2025. Also, keep in mind that some of these expenses may be covered by your health care insurance and some of the cost may be tax deductible, resulting in a large potential IRS Tax Refund for you. We will be happy to help you estimate net cost after insurance and taxes.

Conclusion

Surrogacy in 2025 is a significant investment, but one that leads to the priceless outcome of parenthood. By understanding the breakdown and working with experienced professionals, intended parents can navigate the process confidently and avoid unexpected costs. Surrogacy4All offers transparent, all-inclusive surrogacy programs to make your journey smoother.