How Much Does a Surrogate Cost in California?

surrogacy cost in CaliforniaSurrogacy cost in California reflects a well-established and legally supported path to parenthood, attracting intended parents from across the U.S. and abroad. However, the financial commitment is substantial, with total costs typically ranging from $120,000 to $200,000 or more, depending on various factors. This comprehensive guide provides a detailed breakdown of surrogacy expenses in California for 2025, offering clarity for those considering this journey.​

Total Surrogacy Cost in California

The average cost of surrogacy in California varies based on the agency, surrogate experience, medical requirements, and legal considerations. Here’s a general overview:​

  • Low Estimate: $120,000

  • Typical Range: $140,000–$180,000

  • High Estimate: $200,000+​

These figures encompass agency fees, surrogate compensation, medical procedures, legal fees, insurance, and other related expenses. ​

Detailed Breakdown of Surrogacy Costs In California

1. Surrogacy Agency Fees: $20,000–$50,000

Agencies facilitate the surrogacy process by matching intended parents with surrogates, coordinating medical and legal services, and providing ongoing support. Fees vary based on the services offered:​

  • Basic Services: Screening, matching, and coordination.

  • Comprehensive Packages: Include legal services, escrow management, and counseling.​

For instance, Circle Surrogacy lists agency fees ranging from $20,000 to $40,000. ​

2. Surrogate Compensation: $50,000–$70,000+

Surrogate compensation in California is among the highest in the U.S., reflecting the state’s demand and cost of living. Factors influencing compensation include:​

  • Experience: First-time surrogates may receive around $50,000, while experienced surrogates can earn $60,000 or more.

  • Additional Payments: Compensation for carrying multiples, undergoing a C-section, or other medical procedures.​

Surrogacy By Faith notes that surrogates in California typically earn between $50,000 and $70,000. ​

3. Medical Expenses (IVF and Related Costs): $25,000–$50,000+

Medical procedures constitute a significant portion of surrogacy costs. Expenses include:​

  • IVF Procedures: Egg retrieval, embryo creation, and transfer.

  • Medications: Fertility drugs for the egg donor and surrogate.

  • Monitoring: Ultrasounds, blood tests, and other evaluations.​

Illume Fertility reports that IVF and related medical expenses can range from $25,000 to $50,000. ​

4. Legal Fees: $10,000–$20,000

Legal services ensure that all parties’ rights and responsibilities are clearly defined and protected. Costs cover:​

  • Contract Drafting and Review: Agreements between intended parents and surrogates.

  • Parental Rights: Establishing intended parents’ legal parentage.

  • Court Filings: Pre-birth orders and other necessary legal documents.​

Carrot Fertility indicates that legal fees typically range from $15,000 to $20,000.

5. Insurance and Miscellaneous Expenses: $15,000–$30,000+

Insurance coverage for the surrogate is crucial, as many health plans exclude surrogacy-related pregnancies. Additional expenses may include:​

  • Health Insurance Premiums: Policies specifically covering surrogate pregnancies.

  • Life Insurance: Policies for the surrogate’s protection.

  • Miscellaneous Costs: Maternity clothing, travel expenses, and lost wages.​

Circle Surrogacy notes that health insurance for the surrogate can cost between $15,000 and $30,000. ​

Factors Influencing Surrogacy Costs

Several variables can affect the total cost of surrogacy in California:

  • Surrogate Experience: Experienced surrogates command higher compensation.

  • Medical Complications: Unexpected medical issues can increase expenses.

  • Number of IVF Cycles: Multiple attempts may be necessary, raising costs.

  • Agency Services: Comprehensive services may come at a premium.

  • Legal Complexity: Unique family situations or international intended parents may require additional legal work.

Financing Options for Surrogacy

Given the significant financial investment, intended parents often explore various financing avenues:

  • Personal Savings: Allocating funds specifically for surrogacy.

  • Loans: Personal or fertility-specific loans.

  • Grants and Scholarships: Organizations offering financial assistance for family building.

  • Employer Benefits: Some companies provide fertility benefits covering surrogacy-related expenses.​

Carrot Fertility highlights that many employers now offer fertility benefits, which can alleviate some of the financial burdens. ​

Conclusion

Surrogacy in California offers a viable path to parenthood, supported by favorable laws and experienced professionals. However, it’s essential for intended parents to understand the comprehensive costs involved, plan accordingly, and explore available financial resources to support their journey.

References:

  1. Circle Surrogacy. “Surrogacy Cost: A Breakdown for Intended Parents.” https://www.circlesurrogacy.com/post/surrogacy-costs-breakdown

  2. Surrogacy By Faith. “What Is The Cost Of A Surrogate Mother In California?” https://surrogacybyfaith.com/surrogacy-for-intended-parents/what-is-the-cost-of-a-surrogate-mother-in-california/

  3. Illume Fertility. “What is the Average Cost of Surrogacy in the United States? (2025).” https://www.illumefertility.com/fertility-blog/average-cost-of-surrogacy-in-the-united-states

  4. Carrot Fertility. “Funding the cost of gestational surrogacy.” https://www.get-carrot.com/blog/funding-your-gestational-carrier-journey​Circle SurrogacySurrogacy by FaithIllume FertilityCarrot Fertility