If you have recently lost a loved one and are curious about the cost of a funeral, it can be difficult to know where to begin the process of gathering information.
When organising a funeral, there are a lot of different considerations to take into account.
It is essential to consider not only the services offered by the funeral home but also any other expenses, such as the cost of flowers, food for guests and the clergy, transportation arrangements, and lodging for members of the family who travelled from out of town.
The arrangements for a funeral can be very difficult. However, knowing the costs involved in the service is an essential first step, regardless of whether you are planning your own service or one for a family member.
This guide will take you step-by-step through the typical costs associated with a funeral in Australia and provide advice on where you might be able to get some financial assistance.
The fee for the funeral director is typically included in the total cost of a traditional funeral, in addition to the cost of a casket, burial plot, flowers, and transportation.
These little extras can quickly add up to a sizeable sum, which is only going to get bigger as inflation continues.
The passing of a loved one is not only a trying experience on an emotional level, but it also brings with it certain obligations on a financial front. Many people are left with the question: How much does it cost to hold a funeral in Australia?
One of the most common questions asked to us is how much their funeral will cost. Here at Peter Tziotzis Orthodox Funerals, we provide low-cost funeral services.
Unfortunately, there is no one answer to this as the funeral cost depends on how simple or extravagant you want the event to be.
Unless you have been specifically asked by the family of the deceased to do so, it is not appropriate to take pictures inside a funeral service or at a grave site. People in attendance at the funeral may be in mourning, or even crying, and taking photos is an invasion of privacy.
A body presents little threat to public health in the first day following the death. However, after 24 hours the body will need some level of embalming. A mortuary will be able to preserve the body for approximately a week. Regardless of the embalming, decomposition will begin after one week.
In some cases, it may be possible for it to take place within 24 hours. Depending upon when the examination is due to take place, you may be able to see the body before the post-mortem is carried out. The post-mortem takes place in an examination room that looks similar to an operating theatre.
three to four weeks
Instead of preparing the body with chemicals, morticians will store it in a fridge that keeps the body at two degrees Celsius. However, like embalming, it's important to remember that this merely slows the decomposition process – it doesn't stop it. A refrigerated body will last three to four weeks.
Cotton is placed in the nose to prevent fluid drainage when the body is prepared for viewing by the family or at a funeral service. This is standard practice at Funeral Homes and is taught when studying Mortuary Science.
Average Funeral Costs in Australia
The vast majority of funerals in Australia can cost anywhere from $4,000 for a straightforward cremation to $15,000 for an elaborate event that includes flowers, a casket, and a notable burial to match the status of the deceased.
On the other hand, the cost of a funeral in Australia comes in at a median of $19000. According to recent estimates, the cost of a funeral in Brisbane comes to $7505 on average.
The vast majority of funerals in Australia can cost anywhere from $4,000 for a straightforward cremation to $15,000 for a particularly elaborate service, on average.
The costs associated with a funeral typically include a number of distinct components, such as the acquisition of a death certificate, the transportation of the deceased, the purchase of a coffin, the costs associated with burial or cremation, the fees charged by the funeral director, and additional expenses like obituaries and flowers.
Because the majority of funeral homes in Australia offer preselected package deals, it can be difficult to keep track of how much money you are spending on each component of the service because these plans do not include the option to omit elements that are not desired.
The situation is made even worse by the fact that certain funeral homes in the industry have a reputation for charging exorbitant fees without providing any transparency regarding what they are accounting for in those prices.
Because the majority of people who make funeral arrangements and decisions are in an especially vulnerable state and are not typically in the mode of rational thinking, they are susceptible to being taken advantage of when it comes to the high cost of funerals.
Peter Tziotzis Orthodox Funeral Directors are here to help make the funeral process as smooth and stress-free as possible for you and your loved ones.
Cost of Cremation Vs Burial
How much does a funeral cost, including both traditional burial and cremation?
According to recent research, the majority of people in Australia (66%) would choose cremation over burial if they were to plan their own funeral.
On the other hand, only twenty percent of respondents would choose burial over cremation, while fourteen percent have no preference either way.
It is natural to wonder, given that cremation is the choice of disposition for two out of every three Australians, what the cost of cremation is in Australia.
The average cost of a burial in Australia is approximately $4,500, while the average cost of cremation is approximately $3,600 (this does not include the cost of the casket, which can range anywhere from $5,000 to $10,000).
As a result, cremation is typically less expensive than burial in Australia; however, prices can vary greatly from one location to another.
When it comes to funeral planning, one of the most important things to do is compare the prices of cremation and burial to determine which option is more affordable.
The use of the crematorium's facilities and the labour of its staff during the funeral are typically included in the costs associated with cremation.
It won't cost you anything extra to disperse the ashes, but you might have to pay more to have them placed in an urn and stored in a wall niche or other similar location.
Funeral Costs Breakdown
How much do funerals cost: a breakdown of burial and cremation costs
According to a report that was conducted in 2016, Professional Services Fees, which are also referred to as Director fees, were responsible for up to 39 percent of the revenue that was generated by funeral homes.
The Director fees, on the other hand, were identified by the NSW Parliamentary Inquiry as being the cost associated with funerals that was the least transparent.
However, reports show that the markup pricing on coffins and caskets can offset other business areas. Coffins and caskets are responsible for 31 percent of total funeral costs.
The Average Cost Of a Burial Plot in Australia
The price of a burial plot in Australia can vary considerably from one location to another, all depending on where the deceased person wishes to be laid to rest.
On average, the price of a burial plot in a city that is considered to be a capital can range anywhere from $10,000 to $20,000. When compared, the cost of a single burial plot in a cemetery that isn't as popular as others can range anywhere from $2,970 to $4,800 on average. The price of the plot depends on the cemetery.
In addition, the cost of a straightforward memorial plaque can range anywhere from $1,500 to $3,500, although the price of a burial plot at some cemeteries may already include this fee.
The labour costs associated with opening and closing the grave, as well as ongoing maintenance, are typically not included in these prices.
Funeral Director – Professional Services Fee
A fee is charged by funeral directors for the professional services they provide, specifically the amount of time they spend:
coordination with cemeteries, transportation of the deceased, embalming or otherwise preparing the body, coordination with florists and newspaper notices, provision of the hearse and staff for the day, completion of legal paperwork and documentation, and liaising with cemeteries for grief support and coordination.
This is typically a set fee billed to you in advance.
Average Coffin Prices in Australia
The cost of a coffin or casket is typically one of the most significant expenses associated with a funeral, with prices ranging from more than $15,000 down to as little as $8,000.
The average cost of a casket or coffin in Australia is between $1,000 and $4,000 Australian dollars. On the other hand, high-end coffins and caskets can cost more than $15,000 each.
The level of craftsmanship and level of detail of the coffin are the primary factors that determine the price range for funeral coffins.
Coffins, which are one of the most accessible aspects of a funeral to personalise, give you the opportunity to make a decision that takes into account both your own preferences and the financial implications of those preferences.
If you are looking for funeral directors in Melbourne, Peter Tziotzis Orthodox Funerals is able to assist you in personalising and individualising each funeral service to make it a truly memorable experience and a fitting tribute.
One of the things that stands out in one's mind after attending a wake or funeral is the personal touches. The funeral can be defined by the flowers, the service booklet, the framed photographs, the video projections, and maybe even the balloons or the complimentary champagne.
However, it is likely that each of them will cost money.
You always have the option to make decisions based on how much money you have available. You could, for instance, stick to making straightforward arrangements with flowers.
You could also ask everyone to bring their favourite picture of the person who has passed away, and then clip those pictures onto pieces of string.
You want a funeral to be a memorable send-off celebration for the deceased person.
You want it to be able to capture that person's life and personality, to make your guests smile when you bring up a happy memory, and to move the hearts of all those who attend the memorial service to commemorate or commiserate the loss of the person.
The business of funerals is fraught with challenges. You want to convey the breadth of your love and the extent of your sorrow for the deceased loved one in the best possible way.
You want to throw a party that the departed person would be pleased with in some way. And that might make you feel compelled to throw a lavish party in their honour, to go all out, regardless of how much money it will cost you.
In the end, the quantity of flowers in the chapel and the geographic location of the burial plot are not the most important factors in creating a memorable funeral.
It is about coming together to celebrate an extraordinary life that was lived and remembering the extraordinary life that was lived.
The Average Funeral Costs by City
A survey was conducted in 2017 to determine the typical costs associated with funerals in a variety of Australian cities. According to the findings, the cost of a funeral is likely to be affected by the location of the deceased.
The average funeral in Perth, Australia, cost $7,764, making it the most expensive city in the world to hold a funeral.
The costs of funerals in New South Wales are also among the highest in Australia. Sydney comes in second place with an average funeral cost of $7,621, while the costs of funerals in Melbourne are on average $7,586.
Funeral Costs: Australia Vs Global
When compared to funerals in other countries, the typical cost of a funeral in Australia is on the lower end of the price spectrum.
Funeral expenses in the United States can range anywhere from $9000 to $13000 AUD.
The preparation of the funeral service accounts for the majority of the cost, which can range anywhere from 4,000 to 12,000 Australian Dollars. In contrast, the cost of a funeral in the United Kingdom can range anywhere from 6,000 to 10,000 Australian dollars (AUD), primarily depending on the region. Peter Tziotzis Orthodox Funerals is here to assist you in making each funeral and cremation services a unique and moving memorial to your loved one.
What Costs Are Involved With a Funeral?
When making arrangements for a funeral, you might run into some of the following kinds of expenses:
The cost of a funeral can differ greatly from one state or territory to another, as well as depending on who your local suppliers are.
The figures that are provided below are not meant to be taken as an average but rather serve as examples.
Some of the figures have their origins cited, and there are references made to other sources. Please do your own research, as the numbers provided here are only meant to serve as guides.
In light of this, the following is a list of some of the more common expenses that may arise during the process of organising a funeral. It is important to take into account these considerations when making plans.
The following are examples of common costs associated with funerals:
- Funeral director fee - $3,000
- Transfer of deceased to funeral home - $300
- Storage of deceased at funeral home - $150
- Preparation of deceased - $200-$600
- Embalming - $600-$1,400
- Coffins - $800-$8,000
- Death certificate - $66
- Cremation certificate - $110
- Cremation permit - $110
- Burial services (graveside service) - $2,000
- Cremation service (at crematorium) - $600
- Cremation service with chapel service - $1,200
- Celebrant - $300
- Family car - $400
- Flowers - $200
- Newspaper notice - $200
Who Can Afford to Pay for Funeral Expenses at Short Notice?
It is prudent to start making arrangements for your funeral as soon as possible, despite the fact that no one enjoys contemplating the subject.
Keep in mind that your family will be going through a difficult and emotional time when your funeral occurs. Despite this, you can help make this trying time a little bit easier for them by purchasing funeral insurance to help cover the cost of the services.
Making arrangements for your funeral is one of the more responsible things you can do for the people you will leave behind, as it removes the possibility of a burdensome financial obligation being placed on them after your passing.
After all, you wouldn't want to risk leaving your family with the financial stress of your funeral expenses, especially when they are in a state of mourning like this, would you?
Funeral insurance pays a lump sum benefit to your loved ones when the time comes, which helps them to say goodbye without the added worry of funeral expenses and unpaid bills. Let Peter Tziotzis Orthodox Funerals help you select the type of funeral service that best fits your needs.
Should I Get Funeral Insurance?
Funeral insurance is something that a lot of people in Australia, particularly older people, get so that their families don't have to worry about the costs of a funeral when they're trying to plan a proper send-off for a loved one.
You agree to pay a set amount each month, and in return, your loved ones will be given a lump sum upon your passing to cover the expenses associated with your funeral.
People who have trouble saving money on their own or who are unable to locate an affordable life insurance policy are typically good candidates for this option.
Keep in mind that if you have a funeral insurance policy for a long period of time, the premiums you pay could end up costing you more money than the actual cost of the funeral would have been.
The good news is that the majority of insurers offer a value promise, which states that they will pay out the same amount or even more than you initially contributed as long as you keep your policy for at least a year.
Benefits of Funeral Insurance
These are some of the ways Seniors Funeral Insurance can protect your family from financial stress:
- A lump sum payout to help cover funeral costs and other immediate expenses.
- 100% paid to you if you are diagnosed with a terminal illness
- Claims are paid out tax-free and usually within one business day of completed claim documents being received, so your loved ones get financial support when they need it.
- You can choose the benefit amount (between $3,000 and $15,000) to be paid in the event of your death or terminal illness.
- Australian residents aged between 18 and 79 are guaranteed acceptance, with no medical tests required.
- Bonus cover – at age 85, your body will increase by 25%, and you'll no longer have to pay to stay covered.
How Can I Pay for a Funeral?
If you want to be able to cover the cost of your funeral, there are lots of ways to do it:
Most funeral directors let you prepay and even arrange your funeral. On the other hand, if the company goes out of business, it's possible that you won't get your money back.
Put some money aside each month in order to build up a large sum that your family can use to pay for funeral expenses when the time comes.
It's possible that your family will be able to pay for your funeral with any money that's left over in your retirement account. On the other hand, gaining access to it might take some time, in which case they would have to pay up front.
An investment that is made through a mutual aid society or a life insurance company. The funds do not count towards the required minimum for the pension, but the funeral director is allowed to keep anything that your family does not spend.
What Happens If You Can't Afford a Funeral?
Don't worry if you or your family can't afford a funeral; you won't have to go into debt to pay for a respectful service, regardless of your financial situation.
In most cases, the state will foot the bill for a simple cremation and funeral service. Your loved ones will still have the opportunity to come and collect the ashes after the service.
Peter Tziotzis Orthodox Funerals offers a full range of funeral services to help make this difficult time a little bit easier for you and your family.
Can I Get Financial Help to Pay for a Funeral?
Maybe. There are a variety of channels through which residents of Australia can acquire financial assistance to cover the costs of a funeral; some of these may be applicable to your circumstances, while others will not be:
Local health district.
In the event that you are responsible for a funeral but are experiencing financial hardship, you may submit an application for assistance to your local health district. Nevertheless, any assistance that is needed will be offered after the cremation has been completed.
If you and your partner were receiving a government allowance and your partner passed away, you may be eligible to receive a bereavement payment. The same is true if you were receiving a carer's allowance for an adult who passed away. Although it was not intended for funeral expenses specifically, this may be of some assistance in that regard.
Department of Veteran Affairs.
If the deceased person was a veteran, the Department of Veteran Affairs in the Australian government may be able to offer financial assistance to cover the costs of the funeral (DVA).
Some organisations, such as the Rotary Club and the Returned and Services League (RSL), may pay a modest funeral benefit to a member's family in order to assist with the financial burden of paying for a funeral. There is also the possibility that trade unions will provide a service.
There is a selection of loans with interest rates that are relatively low available on the market, and there is even a programme called a no-interest loan scheme (NILS) that is administered by a community organisation. If at all possible, steer clear of expensive payday lenders.
Which Type of Funeral Costs Less?
The amount that you will have to pay for a funeral service is highly variable depending on the options that you select. It is in your best interest to do some comparison shopping if you are planning a funeral, as you will most likely have a set budget in mind.
How Much Does Cremation Cost?
According to the Cost of Death Report, cremation is estimated to cost between $3,108 and $7,187 in Australia, which is significantly less than the cost of burial. In general, cremation is more affordable than burial.
In addition to the financial implications, it would be beneficial for you to consider whether or not cremation is an exceptional service for your family. Even though there is no gravesite that your family can visit, they are more than welcome to disperse your ashes in a location that holds a meaningful significance to you, such as a beach that was one of your favourites.
You also have the option of having your ashes scattered in a specific location, such as a memorial garden or wall within a cemetery, for instance. Although this will result in an increase in expenses, it will also provide a location for your loved ones to visit you.
How Much Does Burial Cost?
Cremations are typically less expensive than traditional burials. The burial plot will account for a significant portion of the total cost of the funeral.
According to the findings of the Cost of Death Report, the price of a premium burial in Australia can range anywhere from almost $19,000 in an area of metropolitan Sydney to over $13,000 in either Tasmania or the Australian Capital Territory, depending on the location of the burial and the specific type of service that the family selects.
Because of their religious or family traditions, some people in Australia would rather bury their loved one than attend a funeral service.
One of the advantages of doing so is providing your family with a specific location that they can go to in order to think about and talk about you.
Your friends and family can also bring flowers and take care of the burial site, both of which are acts that can be very comforting to you. Ways to Save on Funeral Costs
If you would prefer to have a more basic service, there are several ways you can reduce the costs of your funeral:
- Cremation: Opt for cremation rather than burial to save on one of the highest costs.
- Compare: Shop around to compare online and visit various funeral directors to obtain price lists.
- Basic coffin: Choose a basic wooden coffin if being cremated, as it will be cremated along with your remains.
- Home service: Hold a memorial service at the house of a friend or loved one (commonly known as awake).
- Self-drive: Save on funeral cars and limousines by arranging for family members to drive their cars.
- Share online: Save on the cost of a newspaper notice and share the funeral details online via email/social media.
The best way to manage funeral costs is to pre-plan. To learn more, see our information on Prepaid Pre-Planned Funeral options.