Surrogate Mother Salary: How Much Can You Really Earn?

By Dr. Kulsoom Baloch

Learn more about Dr. Baloch

Introduction

Surrogacy offers emotional fulfillment and a meaningful way to help others—but it also includes financial compensation. If you’re considering becoming a surrogate in 2025, this guide breaks down surrogate mother salaries, bonuses, and factors that impact your earnings.

What’s the Average Salary for Surrogate Mothers in 2025?

In 2025, first-time gestational surrogates typically earn between **$50,000 and $65,000**. Experienced surrogates or those carrying twins may earn between **$70,000 and $95,000+**.

Base Pay vs. Bonuses

• Base pay: Guaranteed compensation for carrying the pregnancy
• Bonuses and reimbursements may include:
• Embryo transfer bonus ($750–$1,000)
• Multiples bonus ($5,000–$10,000)
• C-section bonus ($2,500–$5,000)
• Monthly allowances ($200–$400)
• Maternity clothing stipend ($500–$1,000)

What Factors Affect Surrogate Salary?

• Experience: Repeat surrogates command higher pay
• Location: Surrogates in high-cost states may earn more
• Insurance: Surrogates with usable insurance policies may receive additional bonuses
• Type of pregnancy: Twins, C-sections, or complications increase pay

When Are Surrogates Paid?

• Payments typically begin after pregnancy is confirmed by heartbeat (around 6–8 weeks)
• Monthly payments are made throughout the pregnancy
• Final payments and bonuses are received after delivery

Is Surrogate Pay Taxed?

Surrogate pay may or may not be taxed depending on how the contract is structured and state law. It’s recommended to consult a tax professional for specific guidance.

What’s Covered in Addition to Salary?

Intended parents also cover all surrogacy-related expenses, such as:

• Medical bills
• Travel and lodging
• Legal fees
• Lost wages (if applicable)
• Childcare and housekeeping (when needed)

Conclusion

Becoming a surrogate mother in 2025 offers more than emotional rewards—it’s also a fair and supportive financial arrangement. With base compensation, bonuses, and full reimbursement, surrogates with Surrogacy4All are cared for every step of the way.