How Much Does Surrogacy Cost in Texas?

Surrogacy is a meaningful and effective way to grow a family, especially for individuals and couples who are unable to carry a pregnancy themselves. If you're considering this path in Texas, one of your first questions may be how much it costs — and how the legal system in the state supports your journey.

This guide breaks down the typical cost of surrogacy in Texas, what those expenses cover, how state laws impact the process, and how American Surrogacy can guide you every step of the way.

How Much Does Surrogacy Cost in Texas?

The average cost of surrogacy in Texas generally falls between $100,000 and $200,000+, depending on the surrogacy program, your medical needs, and legal requirements. Texas is considered a surrogacy-friendly state, with enforceable gestational surrogacy laws that provide legal protection for intended parents and surrogates alike.

American Surrogacy’s Programs in Texas

We offer three customizable surrogacy programs to meet your budget, timeline, and risk tolerance:

Limited Risk Program ($169,900 - $179,000+): A full-service option that includes financial protections for events like failed embryo transfers, rematches, and early complications. Most intended parents are matched with a surrogate in 1 to 4 months.
Foundation Program ($115,400 - $170,000+): A pay-as-you-go model that includes full coordination but fewer financial safeguards. This is ideal for families who want to manage payments over time.
Independent Program (starting at $17,000): Designed for families who already have a surrogate match. This program covers coordination only and does not include compensation, legal services, or IVF. Most independent journeys still cost more than $100,000 overall.

You can explore each plan in more detail at our Full-Service Programs or Independent Program pages.

Surrogacy Cost Breakdown

Here are the typical expenses that make up a surrogacy journey in Texas:

Agency fees: Covering surrogate screening and matching with a qualified surrogate, case management, trust account oversight, legal and medical coordination, and ongoing support
Surrogate compensation: Base pay and reimbursement for travel, lost wages, maternity supplies, childcare, and health-related expenses
Legal services: Drafting gestational surrogacy agreements and securing court approval for parentage orders under Texas law
Medical costs: IVF treatment, embryo transfers, medications, monitoring, and delivery

These services form the foundation of a secure, ethical, and well-organized surrogacy process.

Understanding Agency Services and Surrogate Compensation

Agency fees cover all the behind-the-scenes coordination that makes surrogacy possible. At American Surrogacy, we manage matching, screening, scheduling, legal coordination, and emotional support. Every intended parent works with a dedicated case specialist for guidance throughout the journey.

Surrogate compensation in Texas typically starts at $50,000 in base pay. With reimbursements added, total compensation generally ranges from $60,000 to $75,000 or more. Covered expenses may include:

Travel to medical appointments
Maternity clothing and wellness care
Lost income and childcare
Insurance premiums and co-pays

Compensation is handled through a licensed escrow service to ensure financial transparency and legal protection.

Minimizing Unexpected Surrogacy Costs

Even in a state with clear legal protections, surrogacy can involve unexpected costs. If a match falls through or a transfer fails, you could face financial disruption. To protect against this, we offer the Limited Risk Program, which includes coverage for these common setbacks and helps ensure you stay within budget.

This program is ideal for families who want greater peace of mind and more financial predictability.

How Much Does a Surrogate Cost in Texas?

Surrogates in Texas typically receive $50,000 in base compensation. With travel, lost wages, and other reimbursements included, total compensation usually ranges from $60,000 to $75,000+. Some experienced surrogates may receive additional compensation.

If you're using the Independent Program, you’ll need to budget for compensation and medical expenses separately. Even in those cases, most journeys cost more than $100,000 once everything is accounted for.

How Much Does Surrogacy Cost with Insurance in Texas?

While insurance policies usually don’t cover agency fees or surrogate compensation, they may reduce your medical costs by covering:

IVF and embryo transfer procedures
Embryo creation
Fertility medications
Prenatal and delivery care (if the surrogate’s plan is eligible)

Common insurers in Texas include Blue Cross Blue Shield of Texas, Aetna, United Healthcare, and Cigna. Our team will help evaluate your and your surrogate’s insurance plans and assist with securing supplemental coverage if needed.

How Much Does IVF and Surrogacy Cost?

If IVF is part of your surrogacy journey, it adds several additional costs to your overall budget. These services may include:

Fertility testing and embryo creation
Medication protocols
Donor sperm or eggs, if required
Monitoring and lab work

Texas has a wide range of fertility clinics, with strong provider options in Austin, Dallas, Houston, and San Antonio. We’ll help you identify a clinic that fits your needs and financial goals.

Affording Surrogacy

Surrogacy is a significant investment, but there are a variety of tools available to help families manage the cost. In addition to our affordable surrogacy program options, many intended parents explore:

Grants and scholarship opportunities:

Employer-sponsored fertility benefits through platforms such as:

Carrot Fertility
Progyny

Additional strategies like HSAs, home equity loans, 401(k) borrowing, or financial help from family members are also beneficial.

Affording Surrogacy: Fertility Financing Options

Our team is happy to walk you through these options and help create a custom plan based on your unique goals. To help ensure you work with a trusted service provider, we work with a surrogacy financing partner who provides excellent services that help make surrogacy more affordable:

Sunfish: Sunfish offers low-interest fertility loans for IVF, surrogacy and egg donors for American Surrogacy. They make parenthood attainable for all types of families through financial solutions, support, and guidance.

Learn more about financing your surrogacy through Sunfish here.

Why Choose American Surrogacy?

Texas is one of the most supportive states for surrogacy — but working with the right agency makes all the difference. Here’s why families trust American Surrogacy:

Most families are matched with a surrogate within 1 to 4 months
We work with attorneys who understand Texas surrogacy law and how to secure pre-birth orders
Our dedicated case specialists provide consistent, one-on-one support
We offer flexible programs for full-service or independent journeys
We prioritize the wellbeing of both intended parents and surrogates to create strong, respectful partnerships

We’re here to make your surrogacy experience smooth, informed, and supported — every step of the way.

Next Steps in Your Surrogacy Journey

Texas is one of the strongest states in the U.S. for surrogacy, offering a clear legal pathway to parenthood. With professional coordination and experienced legal support, families from all backgrounds can pursue surrogacy here confidently and securely.

If you're ready to begin, contact American Surrogacy today to speak with a specialist and start your journey to parenthood.