How much does surrogacy cost?
IVF and surrogacy are significant investments, from creating embryos to securing surrogate-friendly insurance, to finding the best surrogacy agency, the average cost of surrogacy journey in the USA can amount to well over $100,000.
But what are the individual costs included within this amount? In this article, we answer the most common questions, ‘how much does a surrogate cost’ or ‘how much do surrogates get paid’, as well as provide advice on accessing your retirement funds or applying for grants.
Estimated Surrogacy Costs
There is no one-size-fits-all figure when it comes to the cost of a surrogacy journey. There are many fees and expenses that intended parents will encounter, so here is a breakdown of some of the major costs that need to be considered during surrogacy. These figures are based on industry averages and should be used as a guide only. Costs can vary significantly based on the specific key service providers you engage with.
Surrogacy Agency Fee: $30,000 – $50,000
Surrogate Compensation: $40,000 – $85,000
Legal & Escrow: $10,000 – $15,000
IVF Clinic Fees: $20,000 – $60,000
Surrogate Psychological Evaluation & Background Checks: $1,000 – $2,000
Surrogate Insurance & Medical Expenses: $15,000 – $30,000
Surrogate Expenses: $10,000 – $20,000
Total estimated: $126,000 – $262,000 USD
If you would like to see a detailed breakdown of costs for a surrogacy journey with NewGen Families, download our Future Parent Journey & Cost Guide.

How to finance a surrogacy journey
Employer Benefits
Currently, companies like Netflix, Starbucks, Disney, Morgan Stanley, Meta, Snap, Deloitte, Google, Lyft, Intel, Wells Fargo, AMEX, Capital One and many more offer surrogacy benefits to their employees. We recommend checking with your employer whether they offer something similar.
Accessing 401k for IVF & surrogacy
Under some circumstances you are able to access some funds from your 401k (or retirement savings equivalent) to assist with IVF and surrogacy. It’s best to check with your 401k / retirement funds provider and employer on their specific policies.
Grants for surrogacy
The expenses associated with gestational surrogacy can understandably be out of reach for many. However, several grants are available for US Citizens. A range of organizations collect donations and award funds to support families struggling to afford surrogacy. Some of them include: Baby Quest, Pay it Forward, Family Formation Charitable Trust Journey to Parenthood , The Hope for Fertility, The Nest Egg, Gift of Parenthood, Tinina Q. Cade Foundation
NewGen Families Surrogacy Journey & Cost Guide
If you would like to see a detailed breakdown of costs for a surrogacy journey with NewGen Families, download our Future Parent Journey & Cost Guide.