# How much does a UK funeral cost?

> Cost of · Content updated 25 September 2026

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## In short

SunLife's Cost of Dying Report 2026 puts the average simple attended funeral at £3,828 — £3,518 for a cremation and £4,758 for a burial — and a direct cremation at £1,628. Costs are highest in London (£4,897) and lowest in Northern Ireland (£3,105). These are survey averages; compare funeral directors' own price lists.

What you pay depends mostly on cremation or burial, whether there is a service, the funeral director you choose and optional extras such as flowers, cars and a wake. The figures below are averages from one annual industry survey, so treat them as a guide and get itemised prices for your own choices.

Typical range: 1628–4758 £ (for the funeral itself (SunLife 2026 averages))

## What makes up the cost

| Item | Range | Note |
| --- | --- | --- |
| Direct cremation (no service) | £1,628 average | SunLife Cost of Dying Report 2026 |
| Simple attended cremation | £3,518 average | SunLife Cost of Dying Report 2026 |
| Simple attended burial | £4,758 average | SunLife Cost of Dying Report 2026 |
| Traditional attended funeral | £4,510 average | SunLife Cost of Dying Report 2026 |
| Doctors' cremation forms (England and Wales) | No fee since 9 September 2024 | Deaths are now reviewed by NHS medical examiners |
| Crematorium or cemetery fees | Set by each crematorium or council | Usually included in the funeral director's estimate as a disbursement |
| Flowers, cars, wake and headstone | Your choice | Ask for each item to be priced separately |

## What changes the figure

- Cremation or burial: SunLife's 2026 simple burial average is £1,240 more than a simple cremation
- Where you live: SunLife's regional averages run from £3,105 in Northern Ireland to £4,897 in London
- Which funeral director you use, and whether you arrange some or all of it yourself
- Whether the person had a funeral plan or life insurance

## Ways to spend less

- Funeral directors must publish a standardised price list, including attended and unattended cremation, under the CMA's Funerals Market Investigation Order 2021 — compare at least two
- Compare published crematorium fees on [FuneralFinder](https://funeralfinder.org/uk/crematoria/fees/), then read [how to choose a funeral director](/family-life/choosing-a-funeral-director-uk/)
- If you get certain benefits, check [help with funeral costs](/family-life/help-with-funeral-costs-uk/) before you sign a contract, and see [how to pay for a funeral](/family-life/how-to-pay-for-a-funeral/)

## Frequently asked questions

### What help is available with funeral costs?

If you get certain benefits you may get Funeral Expenses Payment (England, Wales and Northern Ireland) or Funeral Support Payment (Scotland). You can claim before or after the funeral, up to six months after it. Children's funerals have their own schemes in each nation. See [help with funeral costs](/family-life/help-with-funeral-costs-uk/).

### What is a direct cremation?

A cremation without a funeral service, with no mourners present. SunLife's Cost of Dying Report 2026 puts the average at £1,628. Families can hold a memorial separately. See [direct cremation](/family-life/direct-cremation-uk/).

### Has anything changed recently?

Since 9 September 2024, doctors in England and Wales no longer complete paid cremation forms, because every death is reviewed by an NHS medical examiner. In Scotland, a statutory code of practice for funeral directors has been in force since 1 March 2025.

## Sources

- [SunLife — Cost of Dying Report 2026](https://www.sunlife.co.uk/funeral-costs/)
- [CMA — Funerals Market Investigation Order 2021](https://www.gov.uk/government/publications/funerals-market-investigation-order-2021)
- [GOV.UK — Death certification reform and medical examiners](https://www.gov.uk/government/publications/medical-examiners-and-death-certification-reform-summary-of-impact/death-certification-reform-and-the-introduction-of-medical-examiners-updated-summary-of-impact)
- [GOV.UK — Funeral Expenses Payment](https://www.gov.uk/funeral-payments)

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.