Typical IVF cost by US city, what a headline price leaves out, the seven things that move the final price — and answers to the most common IVF cost and insurance questions.
City is one of the biggest price drivers. The table below uses the same sample method as the calculator: base procedure + standard medicines, before add-ons, testing or insurance. Los Angeles and New York sit at the top; smaller cities can be $5,000 – $8,000 lower for the same procedure.
| City | Base procedure | Medicines (standard) | Typical 1-cycle total* |
|---|---|---|---|
| New York, NY | $18,000 – $23,000 | $3,000 – $5,000 | $21,000 – $28,000 |
| Los Angeles, CA | $17,500 – $23,000 | $3,000 – $5,000 | $20,500 – $28,000 |
| Boston, MA | $16,000 – $21,000 | $3,000 – $5,000 | $19,000 – $26,000 |
| Seattle, WA | $15,500 – $20,000 | $3,000 – $5,000 | $18,500 – $25,000 |
| Denver, CO | $14,500 – $18,500 | $3,000 – $5,000 | $17,500 – $23,500 |
| Chicago, IL | $14,000 – $18,000 | $3,000 – $5,000 | $17,000 – $23,000 |
| Miami, FL | $13,500 – $17,500 | $3,000 – $5,000 | $16,500 – $22,500 |
| Houston, TX | $13,500 – $17,000 | $3,000 – $5,000 | $16,500 – $22,000 |
| Atlanta, GA | $13,000 – $17,000 | $3,000 – $5,000 | $16,000 – $22,000 |
| Dallas, TX | $13,000 – $17,000 | $3,000 – $5,000 | $16,000 – $22,000 |
| Kansas City, MO | $12,000 – $15,500 | $3,000 – $5,000 | $15,000 – $20,500 |
| Boise, ID | $12,000 – $15,000 | $3,000 – $5,000 | $15,000 – $20,000 |
* Before ICSI, PGT-A, FET, freezing/storage, consultation/testing and insurance. Travel, time off work and accommodation are not included. Sample planning ranges — verify with the clinic.
Two clinics can quote very different numbers for the “same” cycle because they are not quoting the same things. Always compare itemised quotes, line by line.
If two people pay different amounts for IVF, it is almost always one of these — not haggling.
No. This page’s predictor is a simplified illustration that starts from SART’s published 2023 national averages by age group and adjusts them for a few well-studied factors. SART’s own Patient Predictor uses its full validated model built on over 2 million cycles. Use the official predictor linked above the result for a decision that matters, and discuss both numbers with your clinician.
Because the chance is driven mainly by the age of the eggs, and donors are typically in their 20s or early 30s. The recipient’s age matters much less for donor-egg cycles. That is also why donor-egg treatment costs more — donor compensation, agency, screening and legal fees sit on top of the medical cycle — so compare the cost and the chance together in the “plan at a glance” box.
No. An exact price needs your diagnosis, medicine dose, lab results and the clinic’s own price list. Calculators give a planning range so you can budget, compare clinics fairly and spot a quote that is missing major items. Treat any site that promises one exact number with caution.
Rent, staffing, lab costs and local demand all feed into clinic pricing, and published averages consistently show an $8,000 gap between high-cost metros and lower-cost cities. Travel can look cheaper — but add flights, hotels, time off work and the cost of returning for monitoring or a frozen transfer before deciding.
Sometimes, partly, or not at all. About 21 states have some fertility-coverage law, but many employer plans are self-funded and exempt, plans often cap cycles or lifetime amounts, and diagnostic testing is covered far more often than the procedure itself. The only reliable check is your plan’s summary of benefits and a call to the insurer, with the clinic’s billing codes in hand.
They can lower the per-cycle price, but read the conditions: how many retrievals and transfers are included, what happens if you conceive early, whether medicines and PGT-A are included, and whether any money is refunded. Compare the package total with this calculator’s 2- and 3-cycle totals, on the same inclusions.
Use the nearest city with a clinic for the price estimate, and budget travel on top. Across the US only 364 clinics reported data to SART in 2024, so many towns of 50,000 – 100,000 people have no clinic of their own — a page or estimate that pretends otherwise would be misleading.
Estimates only. The figures on this page are sample planning ranges compiled from published US clinic pricing reported in 2025–2026, for demonstration of this tool. They are not quotes, not guarantees, and not medical advice. Final costs vary by clinic, diagnosis, medicine dose and insurance. The success predictor is a simplified illustration based on SART’s published national averages — not SART’s own predictor model, and not a personal medical prediction.
Talk to a clinician and a clinic. Fertility treatment decisions should be made with a qualified fertility specialist, and prices should be confirmed with an itemised, written quote from the clinic that will treat you. If you are in the US, success-rate data by clinic and age group is published by SART and the CDC — ask any clinic how its figures compare.
For the production version: replace every sample range with a sourced, dated clinic price, add the clinic name and source link on each city page, and re-check prices at least every three months. Out-of-date prices cost a medical tool its trust.
Use the free IVF cost calculator and success-rate predictor — by US state and city, with add-ons, cycles and insurance.