How Much Can You Earn as a Surrogate Mother?

    Most women looking to become surrogate mothers are not in it for the money.  When asked, the most common reason given is to help a childless family fulfill their dream of having a baby.  Even so, few women would become a surrogate without some financial reward.  Being pregnant is hard work, and being a surrogate mother is an opportunity for qualified women to earn significant money. If you’ve been wondering how much surrogates earn, read on. 

    Surrogacy compensation depends on a lot of factors, most importantly the intended parents that you’re considering to work with. Most of these parents have a set budget for their surrogacy process, so how much they pay is unique to their situation. Whatever your motivations are, here are some insights into understanding surrogate payments. 

    How Much Can I Get Paid as a Surrogate Mother?

    Pay often varies when it comes to surrogacy. Different factors will impact the compensation you get, such as the type of pregnancy (e.g. twins), the intended parents, prior surrogacy experience, and your state of residence. For commercial surrogacy, you’ll receive a base compensation ranging from $30,000 up to $50,000 depending on where you live and your own personal qualifications.  

    In addition to the basic salary, surrogate mothers are entitled to an array of benefits. Surrogate mothers receive a “monthly stipend” to cover the day-to-day costs of being pregnant.  Every invasive procedure (like an embryo transfer) or medical treatment (such as a hormone injections) often comes with a small payment.  Surrogates are entitled to maternity clothes, wellness sessions or even housekeeping assistance.  To estimate your total benefits, agency resources provide detailed descriptions of the expenses paid to surrogate mothers.

    Total compensation for the surrogate mother ranges from $50,000 to $65,000.  Most of that money is paid in monthly installments with a large final payment once the pregnancy is successful. Compensation for working surrogates, stay-at-home moms, and first-time surrogate mothers varies in different states. The policies of the surrogacy agency you’re working with may also determine the payment you get.

    Who Pays for Surrogacy-Related Expenses?

    By deciding to become a surrogate mother, you’re giving your time and effort to a year-long process. You shouldn’t be required to contribute financially to the process, too. Your chosen intended parents should cover all the surrogacy-related expenses throughout the entire period. Everything from the screening costs to medical procedures and legal expenses should be paid by the intended parents. 

    Your monthly stipend ensures you’re able to buy what you need, whenever you need it. Just like your base compensation, the payment for related expenses will be discussed early in the process and outlined in the final surrogacy legal contract. You probably don’t want any surprises, so take some time to understand surrogacy laws

    The monthly allowance offered often covers: 

    • Maternity clothing
    • Childcare and bed rest
    • Local travel costs for doctor’s appointments
    • Meals during the surrogacy
    • Housekeeping costs
    • Prenatal vitamins and other health supplies
    • Phone calls
    • Insurance policy co-pays
    • Other miscellaneous pregnancy-related  expenses

    What Happens in the Event of Complications?

    Complications can’t always be avoided, and that’s true even for surrogate mothers. Most surrogacy agencies include complication fees in the base compensation to ensure that surrogate mothers get compensated in the event of a complication. Agencies also offer additional insurance benefits to ensure surrogates get the care and support they deserve.

    Learn as Much as You Can Before Commiting

    Because the amount you get paid as a surrogate mother varies so much depending on specific situations, it’s crucial to speak to an experienced surrogate lawyer or a surrogacy professional to understand exactly how much you’ll be paid. You’ll also want to check out some of the top surrogacy agencies to get an idea of how much you can get. 

    Keep in mind that while there’s always a certain degree of altruism involved in becoming a surrogate mother, you’re entitled to payment that makes both you and the intended parents feel comfortable throughout the process. You and your loving family are making a huge sacrifice to help another individual or couple realize their dream of becoming parents. 


    If you’re ready to start the surrogacy process, consider your options carefully and discuss your individual surrogacy situation with specialists. Don’t rush into making any decisions. Remember the end result and how amazing it will feel for the deserving couple.


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