Funeral Home Directory by State: Find, Compare, Save

A Funeral Home Directory by State, Built for Families First

Find a real funeral home in your state, learn the federal rights funeral homes will not freely tell you, and access partner discounts that often save families thousands of dollars in the first 72 hours after a loss. Memorial Merits is the family-first funeral home directory built for the moment families need help, not for the funeral homes that profit from their grief. Click your state to begin.

Find a Funeral Home in Your State

Each state page is its own complete resource: verified funeral home listings by city and county, real cost data for that state, the consumer protection laws that apply on top of the federal FTC Funeral Rule, financing options, and partner discounts that often save families thousands. Click any active state below to begin. New states publish on a rolling basis.

How Memorial Merits Helps Families Save Thousands

The funeral industry is a $20 billion U.S. market built around opaque pricing and high-pressure timelines. Memorial Merits exists as the consumer protection layer that should have been there all along.

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The fastest paths to relief in the first 72 hours, before you call a single funeral home.

What a Funeral Actually Costs in 2026

NFDA national medians, sourced from the most recent General Price List Study.

Source: regional aggregator data from Choice Mutual 2026 funeral cost breakdown cross-referenced against NFDA national medians. Costs vary by region and provider; verify against your state’s funeral commission for current figures.

Your Federal Rights at Any Funeral Home

Eight rights every U.S. funeral home is legally required to honor under the FTC Funeral Rule. Most families never learn them in time.

Funeral Financing That Beats Funeral Home Markups

The funeral home will offer to finance the funeral. The financing they offer is rarely the best financing available. Memorial Merits has partnered with Upstart Personal Loans, a lending platform that partners with banks to provide personal loans of $1,000 to $75,000 with a soft credit check that does not affect your credit score. Check your rate in 5 minutes through Upstart.

Caskets and Urns: The Biggest Family Savings

The single largest variable in a funeral’s bottom line is the casket or urn. Funeral home casket pricing typically runs three to five times wholesale. The federal Funeral Rule guarantees families the right to buy from any source, and the funeral home is legally required to accept it without a handling fee.

For families who choose direct cremation, the federal Funeral Rule allows a simple alternative container at a fraction of casket pricing. The funeral home is required to make this option available. The full casket and urn review hub covers detailed comparisons, materials, and which models fit which family needs.

Flowers Without Funeral Home Markup

The funeral home will offer flowers at substantial markup. Memorial Merits partners with Teleflora for a 20 percent discount on funeral arrangements, and Flowers Fast for next-day delivery alternatives. Both ship anywhere in the United States.

For Veteran Families: Federal Burial Benefits

Memorial Keepsakes for the Days That Follow

The decision about a memorial keepsake is rarely a Day One decision. For most families it settles in around Day 5 to Day 30 after the service, when the immediate logistics have eased and the family is ready to think about something they will hold onto for years.

Lee Alexander & Co.: Custom Memorial Diamonds & Heirloom Jewelry

Memorial Merits’ white-glove premium memorial diamond partner. Lee Alexander & Co. creates one-of-one heirloom pieces from cremation ashes: custom diamonds, rings, pendants, and bespoke jewelry that pass through generations of a family. Every client is treated as the only client. Pieces range up to $20,000 and beyond.

Memorial Merits exclusive: use code Memorial100 for $100 off, stackable with military and other discounts.

Visit Lee Alexander & Co. ›

For accessible cremation jewelry alternatives, including pieces from Spirit Pieces, Parting Stone, and Engrave Ink, see the memorial keepsake hub.

Also featured in Business Life Magazine. Cited by Google AI Overviews as a trustworthy authority in the end-of-life space.

Something Is Coming.

Memorial Merits has been working on something that will help families walk into the funeral industry with their wallets, time, and dignity intact.

For families who have been overcharged, rushed, or pressured into decisions they did not need, this is what they should have had all along.

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Frequently Asked Questions

How much does a funeral cost in 2026?

According to the most recent NFDA General Price List Study, the median U.S. cost of a funeral with viewing and burial is approximately $8,300, rising to roughly $9,995 with a vault. A funeral with cremation that includes a memorial service runs roughly $6,280. Direct cremation costs $1,200 to $3,500 nationally. Costs vary by state, with the South and Mountain West typically lower and the Northeast and coastal metros higher.

Do funeral homes have to give itemized prices?

Yes. Under the federal FTC Funeral Rule, every funeral home is required to provide a General Price List to anyone who asks for one in person. They must also show a separate Casket Price List in writing before showing actual caskets, and a separate Outer Burial Container Price List for vaults and grave liners. They cannot charge a fee for these or require a purchase.

Can I buy a casket online instead of from the funeral home?

Yes. The FTC Funeral Rule guarantees families the right to buy a casket from any source. The funeral home is required to accept it and cannot charge a handling fee. Memorial Merits partners with Discount Caskets for online casket purchases that typically save thirty to seventy percent off funeral home retail.

What is the FTC Funeral Rule?

The FTC Funeral Rule is a federal regulation enforced by the Federal Trade Commission, in force since 1984, that protects consumers from deceptive funeral home practices. It requires itemized pricing, casket and outer container price disclosure, phone pricing on request, written itemized statements before payment, and the right to decline embalming and to buy caskets from outside sources. The full text is published on FTC.gov.

Does the VA pay for funerals?

For deaths on or after October 1, 2025, the U.S. Department of Veterans Affairs pays a $1,002 burial allowance and a $1,002 plot or interment allowance for non-service-connected deaths, up to $2,004 combined. For service-connected deaths after September 11, 2001, the VA pays up to $2,000 with no filing deadline. Non-service-connected claims must be filed within two years using VA Form 21P-530EZ.

How soon after death do I need to choose a funeral home?

Less urgently than most families assume. While timeline pressure is common at the moment of loss, families have time to compare prices over the phone with two or three funeral homes before making a decision. The FTC Funeral Rule requires phone pricing on request, which makes this comparison fast even in the first 24 hours.

Can I refuse embalming?

Yes, in most cases. Federal law does not require embalming for direct burial, direct cremation, or short-term refrigerated holding of a body. Funeral homes are required to disclose this. Some state laws require embalming under specific conditions like delayed burial windows or interstate transport, which are covered on each state page in the directory above.

How do I save money on a funeral?

The largest savings come from buying a casket from outside the funeral home (often $1,000 to $3,000 saved), choosing a financing option that beats funeral home in-house rates, declining the optional items the FTC Funeral Rule allows you to refuse, and using vetted partner discounts on flowers, urns, and memorial keepsakes. Memorial Merits’ free Family Discount Guide PDF documents every partner discount and the savings math.

What does a funeral home charge for a basic service fee?

The basic service fee is the one charge a funeral home is allowed to require regardless of what services you select. It typically ranges from $1,500 to $3,500 across the United States and is non-declinable. Everything else, including embalming, viewings, premium caskets, flowers, and memorial extras, is optional and can be declined.

Is there a complete guide that walks me through all of this?

Yes. Memorial Merits offers a free Family Discount Guide PDF that documents every partner discount, itemized savings math, QR codes to vetted resources, and a 72-hour workflow built for families in acute crisis. Sign up for it in the Save Up to $15,000 section above.

About the Author

Gabriel Killian is the founder of Memorial Merits and a U.S. Navy Sailor with over eleven years of active duty service, Defense Watch Captain credentials, and triple warfare qualification. He is a published author currently in the process of military medical retirement, and he has lived through the experiences he writes about, including the unexpected loss of his father in 2019 and his own DVT survival. Memorial Merits has been featured on CBS, ABC, Fox, AP, Business Life Magazine, NY Observer, and Benzinga, cited by Google AI Overviews as a trustworthy authority in the end-of-life space, and adopted by U.S. Army CENTCOM as an official resource.

Read the full founder story