Funeral Homes in Florida: Verified Directory and Costs 2026

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Florida Funeral Home Directory: Real Costs, Real Rights, and Real Family Savings

Florida families who lose someone tonight face two emergencies at the same time. The first is choosing a licensed funeral home in the next 24 hours. The second is making it through the funeral without paying $5,000 to $15,000 in markups the average family never knew were optional. This page is built around both. Below are verified Florida funeral homes by city and county, real cost data from current industry studies, the federal and state rights every Florida funeral home is legally required to honor, and the partner discounts and financing options that consistently save Florida families thousands.

Memorial Merits is an editorial site, not a directory aggregator. Every listing on this page is reviewed against the Florida Department of Financial Services license database before publish, and every cost figure, statute citation, and consumer right traces back to a primary source. Industry compliance is uneven: Florida is one of the most heavily enforced states in FTC Funeral Rule history. The 1996 Tampa-area sweep alone resulted in five operator settlements and civil penalties up to $35,000 in a single case, and Florida appeared again in the 2023 to 2024 nationwide phone sweep with penalties up to $51,744 per violation. Knowing your rights before you call is half the protection.

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Find a Funeral Home in Your Florida City

Florida funeral homes listed below by city, alphabetical. Each listing on this page is matched against the FCCS license database before publish. Use the county pill bar to jump to one of the six dense Florida counties (Broward, Lee, Miami-Dade, Palm Beach, Pinellas, Volusia), or the table of contents at the top of the page to jump directly to your city. Cities are added on a rolling basis as the Memorial Merits team completes verification, so additional Florida cities may publish on this page after launch.

Funeral Homes in Apopka, Florida

Funeral Homes in Boca Raton, Florida

Funeral Homes in Bonita Springs, Florida

Funeral Homes in Boynton Beach, Florida

Funeral Homes in Bradenton, Florida

Funeral Homes in Cape Coral, Florida

Funeral Homes in Clearwater, Florida

Funeral Homes in Coconut Creek, Florida

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Funeral Homes in Coral Springs, Florida

Funeral Homes in Davie, Florida

Funeral Homes in Daytona Beach, Florida

Funeral Homes in Deerfield Beach, Florida

Funeral Homes in Delray Beach, Florida

Funeral Homes in Deltona, Florida

Funeral Homes in Doral, Florida

Funeral Homes in Fort Lauderdale, Florida

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Funeral Homes in Fort Myers, Florida

Funeral Homes in Gainesville, Florida

Funeral Homes in Hialeah, Florida

Funeral Homes in Hollywood, Florida

Funeral Homes in Homestead, Florida

Funeral Homes in Jacksonville, Florida

Funeral Homes in Jupiter, Florida

Funeral Homes in Kissimmee, Florida

Funeral Homes in Lakeland, Florida

Funeral Homes in Largo, Florida

Funeral Homes in Lauderhill, Florida

Funeral Homes in Margate, Florida

Funeral Homes in Melbourne, Florida

Funeral Homes in Miami, Florida

Funeral Homes in Miami Beach, Florida

Funeral Homes in Miami Gardens, Florida

Funeral Homes in Miramar, Florida

Funeral Homes in North Miami, Florida

Funeral Homes in North Port, Florida

Funeral Homes in Ocala, Florida

Funeral Homes in Orlando, Florida

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Funeral Homes in Palm Bay, Florida

Funeral Homes in Palm Beach Gardens, Florida

Funeral Homes in Palm Coast, Florida

Funeral Homes in Pembroke Pines, Florida

Funeral Homes in Pensacola, Florida

Funeral Homes in Pinellas Park, Florida

Funeral Homes in Plantation, Florida

Funeral Homes in Pompano Beach, Florida

Funeral Homes in Port Orange, Florida

Funeral Homes in Port St. Lucie, Florida

Funeral Homes in Sanford, Florida

Funeral Homes in Sarasota, Florida

Funeral Homes in St. Cloud, Florida

Funeral Homes in St. Petersburg, Florida

Funeral Homes in Sunrise, Florida

Funeral Homes in Tallahassee, Florida

Funeral Homes in Tamarac, Florida

Funeral Homes in Tampa, Florida

Funeral Homes in Wellington, Florida

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Funeral Homes in West Palm Beach, Florida

Funeral Homes in Weston, Florida

Funeral Homes in Winter Haven, Florida

What a Florida Funeral Actually Costs in 2026

The national median for a funeral with viewing and burial sits at $7,848 according to the NFDA 2024 General Price List Study, with a median of $6,971 for funerals that include cremation. Florida tracks within roughly 5 percent of national. Metro markets like Miami, Tampa, and Orlando run slightly higher; rural panhandle counties run slightly lower. The cost figures below are the headline; the savings come from the casket purchase right under both federal and Florida law, the timeline rules in Statutes 497.386 and 497.607, and the partner discounts further down the page.

Direct cremation, the lowest-cost disposition path, is widely available across Florida between $1,000 and $3,500. Florida’s cremation rate runs above the national average per the NFDA 2025 Cremation and Burial Report, which is part of why the state has so many competing direct-cremation providers and why prices in Miami, Tampa, Orlando, and Jacksonville often beat the national average for this service. Cemetery costs (plot, grave marker, opening and closing fees) are not included in the figures above and can add several thousand dollars. Florida’s Chapter 497 regulates funeral establishments, while cemeteries fall under the same FCCS oversight.

Florida Funeral Consumer Protection Laws

Florida runs one of the most consumer-protective funeral regulatory regimes in the country. Three statutes matter most for families in the first 72 hours after a death.

The 24-hour preservation rule (Florida Statute 497.386). Within 24 hours of death, a body must be embalmed, refrigerated at 40 degrees Fahrenheit or below, or otherwise preserved in a manner approved by the licensing authority. Refrigeration is the most common alternative to embalming and is what most direct-cremation providers and many funeral homes use. Embalming itself is not required by Florida law; what is required is timely preservation. Source: Florida Statute 497.386.

The 48-hour cremation waiting period (Florida Statute 497.607). Florida requires a 48-hour waiting period between time of death and cremation, plus written authorization from a legally authorized person, plus authorization from the county medical examiner. Verbal consent is not sufficient. The waiting period gives the medical examiner time to review the death and determine whether further investigation is needed. Most county medical examiner offices charge a fee of $50 to $60 for cremation authorization in non-jurisdictional cases. Source: Florida Statute 497.607.

Pre-need contract protection (Florida Statute 497.456 and Chapter 497, Part IV). Florida is one of the only states with a state-administered Preneed Funeral Contract Consumer Protection Trust Fund. The fund pays restitution to consumers when a preneed seller becomes insolvent or fails to deliver. Combined with the 100 percent refund right within the first 30 days of any preneed contract (Section 497.460) and the requirement that refunds upon contract breach be paid within 30 days of written request, Florida families planning ahead have legal protection no other state directory can match. Source: Florida Statute 497.456, FCCS Preneed Claims.

Complaints about a Florida funeral home, embalmer, funeral director, preneed seller, cemetery, or crematory go to the Florida Department of Financial Services, Division of Funeral, Cemetery, and Consumer Services. The hotline is 1-800-323-2627 toll free in Florida (or 850-413-3039 direct), the mailing address is 200 East Gaines Street, Tallahassee, FL 32399-0361, and the complaint fax is 850-413-4958. Use the FCCS license search to verify any Florida funeral establishment before signing a contract.

Your Federal Rights at Any Funeral Home

The FTC Funeral Rule applies to every Florida funeral home, with one Florida-specific addition under Statute 497.171. The rights below cannot be waived, charged for, or refused. Florida is one of the most enforced states in FTC Funeral Rule history: the 1996 Tampa-area sweep resulted in five operator settlements with civil penalties up to $35,000, and Florida appeared again in the 2023 to 2024 nationwide phone sweep that found 39 violators and signaled penalties up to $51,744 per violation.

Funeral Financing for Florida Families

If the funeral home is asking for $8,000 to $14,000 up front and your family does not have it on hand, the funeral home will offer in-house financing at rates that are often double or triple the going personal loan rate. Memorial Merits’ direct lending partner Upstart offers loans through banks and credit unions on the Upstart lending platform from $1,000 to $75,000, with a soft credit check that does not affect your credit score and funding as fast as one business day after acceptance. Use the Upstart soft check to get your real rate before you sign anything at the funeral home.

Caskets and Urns: The Biggest Florida Family Savings

The casket is the single most-marked-up item on the funeral bill. The federal Funeral Rule (and Florida Statute 497.171, which adds an itemized casket price list requirement on top of the federal General Price List) gives every Florida family the right to buy the casket from any third party with no funeral home handling fee. Memorial Merits’ direct partner ships caskets nationwide, including across all of Florida. Family savings: typically $1,000 to $3,000 per casket. Flat $299 shipping anywhere in Florida.

Urns are next. For traditional cremation, the funeral home will steer you toward an in-house urn at three to four times the artisan price. Pulvis Art Urns ships handcrafted ceramic urns directly to Florida families with the Memorial Merits family discount applied via coupon code at checkout. Compare this to the funeral home urn lineup and the savings are immediate.

Flowers Without Funeral Home Markup

Funeral home flowers are routinely marked up 50 to 100 percent over retail. Memorial Merits visitors save 20 percent on Teleflora arrangements with same-day delivery in most Florida metros. Flowers Fast offers next-day alternatives if Teleflora is sold out for your delivery date. Both are independent of the funeral home; arrange directly and the funeral home accepts the delivery on day-of.

For Florida Veteran Families: Federal Burial Benefits

Florida is one of the few states with no state-operated veterans cemeteries. All Florida veteran burial benefits run through the U.S. Department of Veterans Affairs (VA) National Cemetery Administration, which operates nine federal cemeteries in Florida. The Florida Department of Veterans’ Affairs (FDVA) operates the State Veterans’ Nursing Homes but does not operate cemeteries; all Florida veteran cemetery benefits are federal. Eligibility extends to spouses and dependent children at no cost.

Spouses and dependent children of eligible veterans may also be interred at any of these cemeteries at no cost, regardless of rank or branch of service. The Florida Department of Veterans’ Affairs (FDVA) operates State Veterans’ Nursing Homes but does not operate cemeteries; all Florida veterans cemeteries are federally administered through the VA National Cemetery Administration.

Beyond the cemetery itself, the VA also pays a burial allowance and a plot allowance for eligible veterans, plus a free headstone or marker, perpetual care, a burial flag, and Military Funeral Honors with Taps and flag folding. Pre-need eligibility for any of the cemeteries above is verified through the VA, not through Tallahassee.

Memorial Keepsakes for the Days That Follow

The first 72 hours are about the funeral itself. The weeks that follow are about how the family chooses to remember. Memorial keepsakes (custom diamonds, engraved jewelry, fingerprint pendants, framed memorial pieces) are not an acute-crisis decision; they are a Day 5 to Day 30 decision when the family has time to talk and choose deliberately.

Memorial Merits’ premium keepsake partner, Lee Alexander & Co., creates one-of-one custom heirloom pieces from cremation ashes. For families looking for accessible-tier alternatives at lower price points, the Memorial Keepsakes Hub documents Spirit Pieces, Miracle Memorial, and Psyche Cremation Jewelry as vetted alternatives.

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.

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Frequently Asked Questions

How much does a funeral cost in Florida?

The national median for a funeral with viewing and burial is $7,848 per the NFDA 2024 General Price List Study, and a funeral with cremation averages $6,971. Florida tracks within roughly 5 percent of national, with metropolitan markets running slightly higher and rural panhandle counties running slightly lower. Direct cremation, the most affordable option, runs between $1,000 and $3,500 in most Florida markets. Source: NFDA 2024 GPL Study, FTC Funeral Rule.

How do I verify a funeral home is licensed in Florida?

Use the Florida Department of Financial Services license search at the Division of Funeral, Cemetery, and Consumer Services (FCCS). Active license, recent inspection date, and any disciplinary history are all available in the public search. If a Florida funeral home cannot or will not show you an active state license number, walk. You can also call the FCCS hotline at 1-800-323-2627 to verify a license or file a complaint. Source: FCCS License Search.

What is the cheapest cremation option in Florida?

Direct cremation is the lowest-cost disposition option in Florida, often running $700 to $1,500 from independent providers in Miami, Tampa, Orlando, and Jacksonville. Direct cremation skips embalming, viewing, and ceremony, includes only basic transport, the medical examiner authorization fee (typically $50 to $60), refrigeration if needed, and the cremation itself. Florida’s competitive direct-cremation market and high cremation rate keep prices below the national average for this service. Source: NFDA 2025 Cremation and Burial Report, Florida Statute 497.607.

How long after death must a body be embalmed in Florida?

Florida Statute 497.386 requires that within 24 hours of death, the body must be either embalmed, refrigerated at 40 degrees Fahrenheit or below, or otherwise preserved in a manner approved by the licensing authority. Refrigeration is the most common alternative to embalming and is used by most direct-cremation providers and many funeral homes. Florida does not require embalming itself; what is required is timely preservation. Source: Florida Statute 497.386.

Are pre-need funeral contracts protected in Florida?

Yes, with one of the strongest consumer protection regimes in the country. Every Florida preneed contract is 100 percent refundable within the first 30 days. Florida operates a state-administered Preneed Funeral Contract Consumer Protection Trust Fund (Section 497.456) that pays restitution to consumers if a preneed seller becomes insolvent or fails to deliver. Refunds upon contract breach must be paid within 30 days of written request. Source: Florida Statutes Chapter 497, FCCS Preneed Claims.

Can I transport a body across state lines from Florida?

Yes, with the proper burial-transit permit. Florida Statute 382.006 requires a burial-transit permit (Form DH 326) issued by the local registrar in the county health department before final disposition or out-of-state transport. The permit is free and must be obtained within five days of death. When the body is transported outside Florida, the permit accompanies the body to its destination. Source: Florida Statute 382.006.

Where are Florida’s veterans cemeteries?

Florida is one of the few states with no state-operated veterans cemeteries. All veteran burial benefits run through the VA national cemetery system, with nine federal cemeteries in Florida: Florida National Cemetery (Bushnell), Cape Canaveral National Cemetery (Mims), Sarasota National Cemetery, South Florida National Cemetery (Lake Worth), Bay Pines National Cemetery (St. Petersburg, closed to new interments), Barrancas National Cemetery (Pensacola), Jacksonville National Cemetery, St. Augustine National Cemetery (closed to new interments), and Tallahassee National Cemetery. Eligibility extends to spouses and dependent children at no cost. Source: VA NCA Florida, Florida Department of Veterans’ Affairs.

What does the FTC Funeral Rule require Florida funeral homes to do?

The FTC Funeral Rule applies to every Florida funeral home and requires written General Price List on request, acceptance of caskets purchased elsewhere with no fee, itemized prices over the phone, and clear disclosure of embalming requirements. Florida adds Statute 497.171, which requires a separate itemized casket price list on request beyond the federal rule. The FTC enforced these rules in the 1996 Tampa-area sweep with civil penalties up to $35,000 per operator and the 2023 to 2024 nationwide phone sweep with penalties up to $51,744 per violation. Source: FTC Funeral Rule, FTC 1996 Tampa Sweep.

How long is the cremation waiting period in Florida?

Florida Statute 497.607 requires a 48-hour waiting period between time of death and cremation, plus written authorization from a legally authorized person and authorization from the county medical examiner. Verbal consent is not sufficient. The waiting period gives the medical examiner time to review the death and determine whether further investigation is needed. Most county medical examiner offices charge a fee of $50 to $60 for cremation authorization in non-jurisdictional cases. Source: Florida Statute 497.607.

Is direct cremation legal in Florida and what does it include?

Yes. Direct cremation is fully legal in Florida and is offered by every licensed cremation provider in the state. It includes basic transport from the place of death, refrigeration if cremation cannot be completed within the 24-hour preservation window, the medical examiner authorization (and fee), the cremation itself, and return of cremated remains in a temporary container. It does not include embalming, viewing, ceremony, casket, urn, or memorial services. Direct cremation must still comply with the 48-hour waiting period and the written-authorization rule. Source: Florida Statute 497.607.

What protections exist if a Florida funeral home overcharges or fails to deliver?

Three layers of protection apply. First, if you bought a preneed contract and the seller is insolvent, the state-administered Preneed Funeral Contract Consumer Protection Trust Fund (Section 497.456) pays restitution. Second, the FCCS investigates every complaint that alleges a violation of Chapter 497 or its rules; complaints can be filed in writing to the Division of Funeral, Cemetery and Consumer Services in Tallahassee, by fax to 850-413-4958, or via the toll-free hotline 1-800-323-2627. Third, if the funeral home violated the federal FTC Funeral Rule, the FTC can pursue civil penalties up to $51,744 per violation. Source: FCCS Consumer Help, Florida Statute 497.456.

Can a non-resident be cremated or buried in Florida?

Yes. Florida does not require state residency for cremation, burial, or any final-disposition service. Out-of-state decedents are routinely served by Florida funeral homes, especially in retirement-heavy markets like Sarasota, Naples, Cape Coral, The Villages, and the southeast coast, when a death occurs while visiting or residing seasonally. The same statutes apply: the 24-hour preservation rule (Section 497.386), the 48-hour cremation waiting period (Section 497.607), and the burial-transit permit (Form DH 326) for any out-of-state transport. Florida funeral homes routinely coordinate with out-of-state funeral directors when remains are returned to a home state for service or burial.

About the Author

Gabriel Killian is the founder of Memorial Merits and a U.S. Navy Fire Controlman with 12 years of active duty service. He holds triple warfare designations across surface, air, and information warfare, has served as a Certified Radar Instructor and Course Supervisor for five years, and is a published author whose work is grounded in the experiences he writes about, including the unexpected loss of his father in 2019 and his own survival of a deep vein thrombosis crisis.

Memorial Merits has been featured on CBS, ABC, Fox, AP, Business Life Magazine, NY Observer, and Benzinga, and is cited by Google AI Overviews as a trusted authority in the end-of-life space. The site has been featured in SociologyGroup.com, Animal Hospice Group, and Home Funeral Alliance’s Member in the Spotlight series, and is adopted by U.S. Army CENTCOM as an official family resource for service members and their loved ones navigating loss.

Read the full founder story