Affordable funeral and cremation services give families a way to honor their loved ones without taking on overwhelming debt. Still, it can surprise many families when they first see funeral bills that run into the thousands.

In 2025, the average cost of a full-service funeral is more than $7,000, and some families pay more $12,000. This guide explains why costs have risen, what low-cost funerals involve, and how to find providers who are both transparent and compassionate.

We’ll help you find the best affordable funeral services to care for your loved ones.

If you’re considering a cremation at After and want to know more, our team is here to guide you through your options with transparency, care, and zero pressure. You can call us 24/7 at 1-844-717-5170.

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Why Funeral Costs Are Rising

The National Funeral Directors Association (NFDA) reports that the median cost of a funeral with a viewing and burial reached $8,300. When you include a vault, the total climbs to nearly $10,000.

These figures don’t even cover a burial plot, headstone, flowers, or obituary notices, which can add thousands more.

Here’s a breakdown of those expenses as listed by the NFDA:

• Non-declinable basic services fee: $2,495
• Removal/transfer of remains to funeral home: $395
• Embalming: $845
• Other preparation: $295
• Facilities and staff for a viewing: $475
• Facilities and staff for a funeral ceremony: $550
• Hearse: $375
• Service car/van: $175
• Basic memorial printed package: $195
• Metal casket: $2,500
• Vault (if required): $1,695

For families who choose cremation, costs are lower but still significant. The NFDA found that the median cost of a funeral with cremation went up from $5,810 to $6,280 just within the two years between 2021 and 2023. That total includes:

• Non-declinable basic services fee: $2,495
• Removal/transfer of remains to funeral home: $395
• Embalming: $845 
• Other preparation: $295
• Facilities and staff for a viewing: $475
• Facilities and staff for a funeral ceremony: $550
• Service car/van: $175
• Basic memorial printed package: $195
• Cremation fee: $400
• Alternative cremation container: $160
• Urn: $295

When families add flowers, upgraded urns, or extended services, the final total grows quickly. These rising costs not only put pressure on household budgets but also intensify the emotional strain of planning a farewell.

This is why many families are now turning to affordable funeral and cremation services that provide dignity, transparency, and care at a lower cost.

What Are Affordable Funeral Services?

Affordable funeral services help provide dignity and care while reducing unnecessary expenses. The focus is on essentials rather than costly add-ons.

Common examples include:

• Direct cremation: Cremation without a formal service beforehand
• Cremation-only providers: Often more affordable than traditional funeral homes, such as After
• Simplified memorial packages: Such as holding a celebration of life at home or in a community space

It is important to note that “affordable” does not mean “cheap.” Cheap services may cut corners or hide fees, while affordable services prioritize transparency and quality at a lower cost.

How Much Do Funerals Cost?

The cost of a funeral varies widely depending on the type of service and the provider. The NFDA reported that a traditional full-service burial in 2025 averages $8,300, but costs can range from $4,850 to more than $21,000.

Families often pay for multiple line items, such as basic services, transfer to the funeral home, embalming, and a casket. A combination of these expenses makes burial one of the most costly end-of-life options.

Affordable alternatives can reduce costs significantly:

• Direct cremation, which is usually under $2,000, depending on the provider
• Immediate burial offers a simpler burial without viewing or ceremony
• Cremation with a later memorial service, which is far less expensive than a full-service burial

After offers flat-rate direct cremation packages starting at $995. Families know the total cost upfront, with no hidden fees or surprise add-ons. This transparent approach makes After one of the most affordable and reliable providers for cremation services.

How to Find Affordable Funeral Homes and Providers

Not all funeral providers operate the same way, and costs can vary widely. Some funeral homes package services together in ways that make prices look higher, while others provide itemized lists so you can choose only what you need.

The FTC Funeral Rule protects families by requiring providers to give a General Price List upon request. This list breaks down the cost of each service and makes it easier to compare options side by side.

When searching for budget funeral services, keep these tips in mind:

• Compare funeral homes vs. cremation-only providers: Cremation-only providers often offer lower rates because they focus on essentials instead of costly extras.
• Look for online-first providers: At After, we publish our prices openly and remove the pressure of in-person upselling.
• Be alert to red flags: Watch for hidden fees, vague price estimates, or providers who push expensive add-ons when you’re most vulnerable.

Families should always compare at least two providers before making a choice. When you ask direct questions about what is and isn’t included, you can save thousands of dollars to ensure there are no financial surprises later.

Affordable Funeral Packages and Alternatives

Affordable funeral packages help families reduce costs while still honoring their loved one in a meaningful way. These packages keep pricing clear and services simple without taking away dignity.

Options to consider include:

• Direct cremation packages: The most affordable choice, where cremation takes place without a viewing or ceremony beforehand. Families can later hold a memorial on their own terms.
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• Memorial services at home or community spaces: Hosting a celebration of life after cremation can be just as meaningful as a traditional funeral, without the high price of renting a funeral chapel.
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• Prepaid funeral plans: These plans allow you to lock in today’s costs and protect against inflation. Prearrangement options also make planning easier for families.
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• Funeral insurance vs. prepaid cremation: Insurance helps cover unexpected future costs, while prepaid cremation guarantees services at a fixed price with no surprises.

Each approach gives families flexibility to balance affordability with personal preference. Some families choose a simple cremation package, while others combine it with a later memorial that reflects their loved one’s life.

Tips for Planning a Funeral on a Budget

Funeral planning can feel overwhelming, but a budget-focused approach helps reduce stress. With clear priorities, families can arrange a meaningful service while avoiding unnecessary expenses.

Here are practical ways to plan affordable funerals:

• Compare multiple providers: Prices for the same services can differ by thousands of dollars.
• Limit extras: Skip embalming unless required by law, choose simple flowers, or opt for a basic casket. Small changes add up quickly.
• Choose alternative venues: A home, park, or community hall can provide a personal and affordable space for a memorial service.
• Consider crowdfunding or community support: Friends and extended family often want to help. Crowdfunding platforms make it easy for them to contribute directly to expenses.

Some providers also offer financing support. After is a partner with LilyPay to provide flexible 3- to 12-month payment plans, often with little or no interest. LilyPay also offers a crowdfunding option, giving families a way to cover costs through community donations while maintaining financial stability.

After’s Approach to Affordable Cremation Services

At After, our mission is to simplify after-death care with affordability, transparency, and dignity. Our direct cremation packages start at $995 and include all essentials without hidden fees. Families can choose from three tiers depending on their needs.

We also provide:

• A transparent, no-pressure process with upfront pricing
• Options to preplan and lock in today’s cost (learn more about preplanning)
• Flexible payment support through LilyPay, including crowdfunding assistance

While After doesn’t organize funerals, our simple and transparent direct cremation packages give families peace of mind as they look for affordable funeral services.

If you’re considering a cremation at After and want to know how to save on costs, our team is here to guide you through your options with transparency, care, and zero pressure. You can call us 24/7 at 1-844-717-5170.

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Frequently Asked Questions

What Is the Cheapest Funeral Option?

The cheapest funeral option is direct cremation. It covers essential services like transportation, cremation, and paperwork without the added cost of embalming, caskets, or ceremonies.

What Does a Budget Funeral Package Include?

A budget funeral package includes basic services such as transportation, cremation or burial, permits, and simple containers or urns. It doesn’t usually include extras like flowers, viewings, or premium caskets.

Is Direct Cremation Cheaper Than Burial?

Yes, direct cremation is cheaper than burial. The average burial costs over $8,500, while direct cremation can cost under $2,000 with providers like After.

Are Prepaid Funeral Plans Worth It?

Prepaid funeral plans are worth it if you want to lock in today’s prices and ease future financial stress for your family. They prevent rising costs and simplify planning.

Can I Have a Memorial Service with A Direct Cremation?

Yes, you can have a memorial service with a direct cremation. Families often hold celebrations of life at home, in community spaces, or at a later date.

How Do I Avoid Hidden Fees in Funeral Planning?

You avoid hidden fees in funeral planning by requesting an itemized General Price List under the FTC Funeral Rule. Transparent providers like After list all costs upfront.

What’s The Difference Between Funeral Insurance and Prepaid Plans?

Funeral insurance pays out a lump sum to cover future expenses, while prepaid plans lock in specific services at today’s price. Prepaid plans remove cost uncertainty.

Does After Offer Affordable Funeral and Cremation Services?

Yes, After offers affordable funeral and cremation services through flat-rate direct cremation packages. Plans start at $995, with clear pricing and flexible payment options.