The cost of dying in all 50 states

It’s not something most people like to think about, but funeral costs can add up fast. One of the biggest factors impacting funeral expenses — and the cost of dying in general — is the state where the death certificate is issued.

The average out-of-pocket expenditures toward end of life necessities is $11,618, according to the National Bureau of Economic Research. On top of that, the National Funeral Director’s Association cites the median out-of-pocket funeral expenses — including viewing and cremation costs — at $6,078.

Just like in life, the cost of dying varies depending on the relative cost of living in each state. We calculated the average funeral expenses and end of life medical care in each state by multiplying the national averages for those services by the cost of living index in each state. We also considered the 2017 inheritance tax and estate tax data for each state from the Tax Foundation.

Here's a glimpse of the cost of dying in your state, so you can talk about the uncomfortable subject before it's too late.

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The cost of dying in all 50 U.S. states
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The cost of dying in all 50 U.S. states

50. Mississippi

The cheapest state to die in, Mississippi, has no estate tax or inheritance tax. Average funeral costs total $6,182 and average medical costs associated with dying are $9,759 — both well below the national average. This is unsurprising, because Mississippi also has the cheapest cost of living in America.

49. Oklahoma

Notably below national standards, medical costs associated with dying in Oklahoma are typically around $10,259, and the average cost of a funeral is $6,499. You won’t have to pay inheritance tax or estate tax when you die in Oklahoma. However, accounting for these costs is something you need to consider when deciding if you should leave your kids money.

48. Michigan

Michigan does not impose an estate or inheritance tax. As the fourth-cheapest state to die in, the average cost of a funeral in the state is low at $6,528, and medical costs associated with dying are typically around $10,305.

However, costs could rise in some cities, like Detroit, where the cost of living is quickly rising.

47. Alabama

The average cost of a funeral in Alabama is $6,536, and medical costs associated with dying total roughly $10,317. Like every other member of the 10 cheapest states to die in, Alabama doesn’t have an estate tax or an inheritance tax.

If you need to pay for an unexpected death, find out how to deal with a financial emergency.

46. Arkansas

The cost of dying in Arkansas is exactly the same as it is in Alabama. Funeral expenses in Arkansas average $6,536, while medical costs associated with dying hover around $10,317. The state has no estate tax or inheritance tax.

Accounting for death costs is something you should consider when figuring out how much to save for retirement.

45. Missouri

In Missouri, the cost of a funeral averages $6,543, and the medical costs related to dying average $10,328. No estate tax or inheritance tax is imposed.

The burden of paying for funerals and medical costs usually falls onto children, so it’s important to decide how much support to provide for your kids.

44. Tennessee

Funeral costs average $6,580 in Tennessee, and medical costs related to dying are normally around $10,386. One of the most tax-friendly states in America, Tennessee doesn’t have an estate tax or an inheritance tax.

43. Kansas

The cost of a funeral in Kansas averages $6,587, and medical expenses related to death total approximately $10,398. Death costs are affordable in Kansas as a whole, but costs could increase in Wichita, where living costs are on the rise.

No inheritance tax or estate tax is collected in the state.

42. Georgia

Falling below the national average, the standard cost for funeral expenses in Georgia is $6,683, while medical costs associated with dying are usually around $10,549. Georgia has no estate tax or inheritance tax.

If you’re planning a funeral in the Atlanta area, keep in mind that costs are generally cheaper in the city than in the suburbs.

41. Texas

The average cost of a funeral in Texas is $6,720, while medical costs associated with death are typically around $10,607. Texans don’t pay an estate tax or an inheritance tax.

In addition to having low death costs, Texas also has some of the most affordable senior care in the U.S.

40. Wyoming

The average cost of a funeral in Wyoming is $6,727, and medical expenses associated with dying total $10,619 on average. Neither an estate tax nor an inheritance tax is collected in Wyoming, which is one of the best states to be rich in America.

39. Indiana

Medical costs related to dying in Indiana average $10,630, and the standard rate for funeral expenses is approximately $6,734. There’s no inheritance tax or estate tax.

Be prepared for costs to be higher in cities like Indianapolis, where costs are quickly rising.

38. Iowa

Iowa has no estate tax, but unlike many other states, it does have an inheritance tax of up to 15 percent. The average cost of a funeral is $6,764, and medical expenses related to dying hover around $10,677.

37. Kentucky

Funeral costs in Kentucky total approximately $6,815, while medical expenses related to dying average $10,758. The state doesn’t have an estate tax, but its inheritance tax can be as much as 16 percent.

36. Idaho

You won’t be charged an estate tax or an inheritance tax in Idaho, which is good news if you are the executor of a will. Plan for funeral costs around $6,823, and approximately $10,770 in medical expenses associated with dying.

35. Ohio

Coming in below the national average, funeral costs in Ohio run approximately $6,823, and medical costs associated with dying total roughly $10,770.

However, living costs are on the rise in places like Columbus, so it’s possible death costs will go up as well.

Ohio doesn’t have an estate tax or an inheritance tax.

34. New Mexico

The cost of a funeral in New Mexico averages $6,837, while medical expenses related to dying typically total around $10,793. Be prepared for costs to increase in Albuquerque and Mesa, where other costs are rising quickly, according to a separate GOBankingRates study.

New Mexico doesn’t have an estate tax or an inheritance tax.

33. Louisiana

There’s no estate tax or inheritance tax in Louisiana. Medical costs related to death average $10,851, and funeral expenses run approximately $6,874.

Fortunately for families with older relatives, not only does Louisiana have lower-than-average costs associated with dying, but it also has the most affordable senior care of all states.

32. Nebraska

If you’re inheriting from a deceased family member in Nebraska, you’ll be taxed at a rate between 1 percent and 18 percent, but the state does not impose an estate tax. The cost of a funeral averages $6,874, and medical expenses associated with dying are typically around $10,851.

31. North Carolina

In North Carolina, there’s no estate tax or inheritance tax, so you won’t necessarily have to worry about what will happen to your money after you die. The average cost of a funeral is $6,911, and medical expenses associated with dying tend to be around $10,909.

30. Arizona

There’s no estate tax or inheritance tax in the Grand Canyon State. The average cost of a funeral is $6,963 in Arizona, and medical expenses related to death tend to add up to approximately $10,991.

However, costs could rise in places like Phoenix, where the cost of living is quickly rising.

29. Wisconsin

Funeral costs in Wisconsin tend to total around $7,088, while medical expenses associated with dying average $11,188 — both on the cheaper side for the U.S. as a whole. No inheritance tax or estate tax is instituted, but it is one of the most expensive states to file taxes, in general.

28. Utah

Still under the U.S. benchmark, medical costs associated with dying average $11,223 in Utah, and funeral expenses are approximately $7,110. The state doesn’t impose an inheritance tax or an estate tax.

It might be harder for female relatives of the deceased to cover death costs than male relatives in the state, because Utah is one of the states with the biggest gender pay gaps.

27. Illinois

Like most states, Illinois doesn’t have an inheritance tax, but estates worth more than $4 million are taxed at a rate of 0.8 percent to 16 percent. Funeral costs average $7,117, and medical costs related to dying are typically around $11,235.

Get Financial Help: How to File Taxes for a Deceased Relative

26. West Virginia

Dying in West Virginia will cost very near the national average at around $11,246 in medical costs and $7,124 in funeral expenses. There’s no estate tax or inheritance tax. Overall, West Virginia is one of the best states for poor Americans, according to a separate GOBankingRates study.

25. South Carolina

In South Carolina, the average cost of a funeral is $7,235, and medical costs associated with dying average $11,420. There’s no estate tax or inheritance tax.

The cost of dying is on the higher end in South Carolina compared to other states, but fortunately, incomes are on the rise there in some areas.

24. Florida

The cost of a funeral in Florida is typically around $7,279, and medical expenses associated with death average $11,490. No estate tax or inheritance tax is levied in the Sunshine State.

Death costs could rise in cities like Jacksonville, where the cost of living is quickly rising.

23. North Dakota

North Dakota doesn’t have an inheritance tax or an estate tax. Medical expenses associated with dying are usually around $11,502, and the average cost of a funeral is $7,286.

Although the cost of dying is slightly below average in North Dakota, the state has some of the most expensive senior care.

22. Minnesota

Ever so slightly above the national average, standard funeral costs are roughly $7,375 in Minnesota, and medical expenses associated with dying are approximately $11,641. The state has no inheritance tax, but if the value of your estate is above $2.4 million, you will be subject to a 13 to 16 percent estate tax.

21. Pennsylvania

Pennsylvania doesn’t have an estate tax, but it does levy up to 15 percent in inheritance taxes. Medical expenses related to dying total approximately $11,757, and the average cost of a funeral is $7,448.

20. South Dakota

No estate tax or inheritance tax is imposed in South Dakota, which is one of the best states to be rich in America. Funeral expenses average $7,448, and medical costs related to dying are typically around $11,757 — just above the U.S. average

19. Virginia

There’s no estate tax or inheritance tax in Virginia. Medical costs related to death hover around $11,862, and funeral expenses average $7,515.

However, living costs are on the rise in Virginia Beach, so death costs in that area could increase as well.

18. Colorado

There’s no need to stress about estate tax or inheritance tax in Colorado, as neither are imposed. Funeral costs average $7,647, and medical expenses correlated with dying generally total around $12,071.

The cost of dying in Colorado is already above-average, but it will likely get even higher in some cities, such as Colorado City, which is the city where the cost of living is rising the fastest, according to a separate GOBankingRates study.

17. Montana

The standard cost of a funeral in Montana — which is the worst state in the U.S. to grow your money — is approximately $7,647, while medical costs related to dying typically average $12,071. You can keep any gold and jewels passed down to you in the Treasure State free of estate or inheritance taxes.

16. Delaware

You won’t pay an inheritance tax or estate tax in Delaware, which is the best state in the Northeast for taxes. Funeral costs average $7,757, and medical expenses related to death trend around $12,245.

15. Washington

In Washington, the cost of funeral expenses averages $7,971, and medical expenses related to dying typically hover around $12,582. There’s no inheritance tax, but estates worth more than $2.193 million are taxed at a 10 to 20 percent rate. However, it is possible to minimize your estate tax.

14. Nevada

Expect to spend roughly $8,118 on funeral costs in Nevada. Medical expenses involved with dying are $12,815 — and there’s no estate tax or inheritance tax. It’s also one of the states with no income tax.

13. New Hampshire

Medical costs related to dying in New Hampshire average $13,012. Funeral expenses add up to roughly $8,243, but there’s no estate or inheritance tax in the Granite State.

It’s costly to die in New Hampshire, but residents there are more likely to be able to pay for related expenses than in other states: New Hampshire has the lowest percentage of residents living in poverty, a separate GOBankingRates study found.

12. Maine

Estates valued more than $5.6 million in Maine are taxed at an 8 percent to 12 percent rate. There’s no inheritance tax, but the average cost of a funeral is $8,560, and $13,512 is the standard for medical expenses associated with end-of-life care.

11. Vermont

Vermont has a 16 percent tax on estates worth more than $2.75 million. There’s no inheritance tax, but funeral costs average $8,641, and medical expenses related to death are typically around $13,640.

10. New Jersey

In New Jersey, the standard cost of funeral expenses is $8,714, and medical expenses correlated with dying average $13,756. There’s no estate tax, but there is up to a 16 percent inheritance tax.

9. Rhode Island

The average cost of a funeral in Rhode Island is $8,994, and medical expenses associated with death amount to roughly $14,197. There’s no inheritance tax, but a 0.8 percent to 16 percent tax is levied on estates of more than $1.538 million.

8. Connecticut

In Connecticut, funeral costs are typically around $9,355, and medical expenses surrounding end of life care average $14,766. There’s no inheritance tax, but a 7.2 percent to 12 percent tax is levied against estates valued over $2.6 million.

7. Massachusetts

Funeral costs in Massachusetts are well above the national average at around $9,391, and medical expenses related to end of life average $14,825. No inheritance tax is levied, but estates of more than $1 million are taxed at a 0.8 percent to 16 percent rate.

6. Oregon

There’s no inheritance tax in Oregon, but if you have property in the Beaver State, plan your estate carefully — those worth more than $1 million will be taxed at a 10 to 16 percent rate. Funeral expenses average $9,568, and medical costs related to death tend to be around $15,103.

5. Maryland

The cost of funeral expenses in Maryland averages $9,597, and medical bills associated with dying typically add up to around $15,150. The state is one of the few with both an estate and inheritance tax — there’s a tax of up to 10 percent on inheritances and estates worth more than $4 million are taxed at a 16 percent rate.

4. Alaska

The average cost of a funeral in Alaska is $9,634, while medical expenses associated with dying hover around $15,208 — both much higher than the national average. On the plus side, the state doesn’t have an inheritance tax or an estate tax.

Not only does Alaska have one of the highest costs of dying, but it’s also the state with the most expensive senior care.

3. New York

In New York, you won’t pay an inheritance tax, but estates worth more than $5.25 million are taxed at a 3.06 percent to 16 percent rate. Funeral expenses average $9,855, and medical costs correlated with dying are $15,557.

Because it’s so expensive to die in New York, you might want to have a financial plan in place to deal with your unexpected death if you have one of the most dangerous jobs.

2. California

Though it’s the second-most expensive state to die in, there’s no estate or inheritance tax levied in California. The standard cost of funeral activities is around $10,378, and medical expenses related to dying average $16,381.

And California isn’t just expensive in death — it’s the most expensive state to live in comfortably, a separate GOBankingRates study found.

1. Hawaii

Death in Hawaii is by far the priciest, as funeral costs average $13,712 and the benchmark for medical expenses correlated with end of life care is $21,644. The Aloha State doesn’t have an inheritance tax, but estates worth more than $11.2 million are taxed at a 10 percent to 15.7 percent rate.

The high cost of dying in Hawaii is unsurprising, given that it’s the state with the highest cost of living.

Here's How Where You Die Affects the Financial Burden You Leave Behind

Fortunately for people who have to deal with the misfortune of the death of a loved one, many states don’t levy taxes that add an additional financial burden on the deceased’s family — however, this wasn’t always the case, as many states have removed estate and inheritance taxes in recent years. Others left taxes in place, but raised the exemption levels:

  • Indiana repealed its inheritance tax in 2013
  • Tennessee repealed its estate tax in 2016
  • New York raised its exemption level to $5.25 million this year and will match the federal exemption level by 2019
  • New Jersey will fully phase out its estate tax by 2018
  • Delaware repealed its estate tax this year

Overall, the cheapest places to die are Mississippi, Oklahoma, Michigan, Alabama and Arkansas. The most expensive places to die are Hawaii, California, New York, Alaska and Maryland.

Click through to read about the richest estates of dead celebrities.

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 This article originally appeared on GOBankingRates.com: The Cost of Dying in All 50 States

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