Cheapest IVF in the US? Clinic Prices Under $9,000 (2026)
2026-10-03 · 18 min read · IVFcost.co
Every US fertility clinic that posts an IVF cycle price under $9,000 on its own website, with what that price buys and what it leaves out.
There is no single cheapest IVF in the US, because no two clinics price the same thing. What we can show is who posts a low price and what it covers. Of the 452 CDC-reporting clinic locations in our IVF clinic price check, 22 clinics post an IVF cycle price under $9,000 on their own websites. We read every one of those prices on the clinic's own page on October 3, 2026, and they are all listed below by state, each with what the price includes and what is charged on top.
The lowest posted figures are $4,525 at the Cooper Institute in New Jersey, $4,800 for Gentle IVF, a lower-dose protocol, at Arizona Reproductive Medicine Specialists, and $4,999 for CNY Fertility's base package. None of the three is a complete cycle. CNY says plainly that its base price leaves out monitoring and medications, "which are necessary to complete an IVF cycle", and puts its own complete cycle at $7,994 to around $12,888 ( CNY Fertility); the Gentle IVF price excludes medications and the anesthesiologist; and Cooper's price page does not say whether monitoring, anesthesia or medications are included. That gap between the headline and the total is the whole story of cheap IVF, and it is why we never rank clinics by price or average their prices: the packages differ too much for one number to compare them. A low price is a reason to ask for a quote, not proof that a clinic costs less.
For context, a single all-in IVF cycle in the US typically runs $25,000 to $32,000 once medications and common extras are added, and a realistic budget for the whole course is $40,000 to $60,000 ( FertilityIQ; our line-by-line breakdown is on what IVF costs). Only about one in three US clinic locations posts any IVF price at all ( our census), so the clinics below are the low end of the clinics you can compare without a phone call, not of every clinic in the country.
Key findings
- 22 clinics in 10 states post an IVF cycle price under $9,000 on their own websites. Arizona has the most (4), then California, Florida and New York (3 each).
- Only one of the 22 includes fertility medications: the North Carolina Center for Reproductive Medicine's $7,500 low-stimulation cycle, which is limited to medically qualifying patients. Fifteen say medications are extra, and the clinics' own estimates for them run from $500 to $8,000 a cycle.
- Most low prices leave out something a cycle needs. Only 7 of the 22 say the price includes cycle monitoring, 1 includes anesthesia, 2 include ICSI and 7 include freezing your embryos.
- The extras are priced very differently. Among these clinics, ICSI is posted at $600 to $2,250, anesthesia at $500 to $1,000, and a later frozen embryo transfer at $1,000 to $4,750.
- The price structure matters as much as the price. Freeze-all cycles, lower-dose protocols, multi-cycle plans, income-based pricing and group discounts all bring the cost down, and each comes with its own conditions.
Clinics that post an IVF price under $9,000
Each clinic name links to its page on IVFcost.co, with its CDC success rates by age, and each source link goes to the clinic's own price page. The amount is the clinic's lowest posted price for one IVF cycle, exactly as the clinic states it ("from" where the clinic says "starting at"). Where a clinic posts several IVF packages, we name the one the amount belongs to.
| State | Clinic | Posted price | What the price includes | Charged separately | Source |
|---|---|---|---|---|---|
| Arizona | Arizona Center for Reproductive Endocrinology and Infertility, Tucson | $6,999 standard IVF | Monitoring, egg retrieval with fertilization, embryo transfer (the clinic's pricing sheet itemizes all three) | ICSI ($1,295), embryo freezing | Clinic |
| Arizona | Arizona Reproductive Medicine Specialists, Phoenix | $4,800 Gentle IVF (lower-dose) | Ultrasound monitoring and estradiol tests, retrieval, lab work, embryo freezing, assisted hatching, one frozen embryo transfer | Anesthesiologist, medications (clinic estimate $1,200 to $1,500), ICSI ($2,000) if needed, storage, PGT. Its standard single cycle is $9,900 | Clinic |
| Arizona | IVF Phoenix, Scottsdale | $5,800 IVF with fresh embryo transfer ($7,250 with embryo freezing) | Retrieval, in-cycle ultrasounds and labs, assisted hatching, first fresh embryo transfer | ICSI, embryo freezing and storage, anesthesia, PGT-A biopsy, medications | Clinic |
| Arizona | New Direction Fertility Centers, Gilbert | $6,500 regular price | Retrieval, lab services, one embryo transfer, one year of storage | ICSI ($600), anesthesia ($500), PGT-A, medications | Clinic |
| California | Labryo Fertility Center, Newport Beach | $8,250 per embryo-banking cycle | Retrieval, ICSI, blastocyst culture, assisted hatching, embryo freezing, one year of storage | Monitoring, medications, embryo transfer, PGT | Clinic |
| California | Life IVF Center, Irvine | $5,950 IVF Package | Retrieval, fertilization of up to 10 eggs, embryo culture, embryo freezing, 12 months of storage | Cycle monitoring, medications, embryo transfer (from $2,950), sedation, ICSI, testing | Clinic |
| California | West Coast Fertility Centers, Fountain Valley | From $5,990 | Not itemized on the page | Ask for an itemized quote | Clinic |
| Florida | Assisted Fertility Program, Jacksonville | $5,500 self-pay IVF | Not itemized on the page | Anesthesia ($500), ICSI ($800), embryo freezing ($750), delayed transfer ($1,000), genetic testing ($3,000) | Clinic |
| Florida | Florida Fertility Institute, Clearwater | $8,700 laboratory and physician fees | Retrieval, fertilization, embryo transfer | Anesthesia ($1,000), ICSI ($2,250) if needed, PGT biopsy ($2,550), medications | Clinic |
| Florida | Florida Institute for Reproductive Medicine, Jacksonville | $7,290 single cycle | Cycle monitoring (about 5 visits), retrieval, embryo transfer | Medications (clinic estimate $3,000 to $7,000), anesthesia ($550), ICSI ($1,000) if required, embryo freezing ($800 with a year of storage) | Clinic |
| Hawaii | Fertility Institute of Hawaii, Honolulu | $8,000 to $13,000 without insurance | Not itemized on the page | Medications ($3,000 to $8,000), embryo or egg freezing, genetic testing | Clinic |
| Illinois | Midwest Fertility Center, Downers Grove | $7,200 Basic IVF Package, limited-time offer | The procedure only | Facility fees, medications, ICSI and other micromanipulation | Clinic |
| Illinois | North Shore Fertility, Skokie | $8,550 (the same page also names an $8,850 package) | Not itemized on the page | The clinic says medications, lab services and anesthesia may be additional | Clinic |
| New Jersey | Center for Advanced Reproductive Medicine & Fertility, Edison | $8,950 discounted package | All ultrasound and blood monitoring, retrieval and transfer, culture, fertilization, assisted hatching, embryo freezing, one year of storage, first pregnancy test | ICSI, genetic testing, anesthesia, medications. First frozen transfer within 6 months is $1,975 | Clinic |
| New Jersey | Cooper Institute, Mount Laurel | $4,525 conventional or minimal-stimulation IVF | Retrieval, embryo development, embryo transfer | ICSI ($1,100) when needed; the price page does not say whether monitoring, anesthesia, freezing or medications are included | Clinic |
| New York | CNY Fertility, Syracuse | $4,999 base package | "Many of the core IVF services" | Monitoring and medications. CNY's complete cycle runs $7,994 to about $12,888 | Clinic |
| New York | Hudson Valley Fertility, Fishkill | $7,650 single-cycle plan | Not itemized beyond the exclusions | Ultrasound monitoring, blood work, medications, embryo freezing and storage, frozen embryo thaw and transfer | Clinic |
| New York | Rejuvenating Fertility Center, Manhattan | $6,950 IVF with all embryos frozen ($8,200 with a fresh transfer) | Retrieval, embryo culture and freezing (or culture and a fresh transfer) | Medications, from your pharmacy. A later frozen embryo transfer is $4,750 | Clinic |
| North Carolina | North Carolina Center for Reproductive Medicine, Cary | $7,500 low-stimulation cycle, medications included | All stimulation medications, monitoring, anesthesia, retrieval, ICSI, assisted hatching, blastocyst culture, a frozen embryo transfer, freezing of two embryos | Medications for the frozen transfer cycle; $1,000 to freeze more than two embryos. Only for medically qualifying patients | Clinic |
| Ohio | Institute for Reproductive Health, Cincinnati (which also runs Bethesda Fertility Center) | From about $8,400 after discounts | Not itemized on the page | Ask about pretesting, medications, ICSI and embryo freezing | Clinic |
| Texas | Pozitivf Fertility, San Antonio | $6,995 IVF Essential | First embryo transfer | Medications. Its IVF Plus package includes them, at $10,995 | Clinic |
| Texas | UT Health San Antonio, San Antonio | $6,500 IVF package | All ultrasounds and exams, standard lab fees, estradiol tests, embryo transfer, progesterone check, pregnancy test | Medications, anesthesia, ICSI, PGT | Clinic |
Every state page lists all of its clinics' posted prices, not only the low ones: see Arizona, California, Florida, New York and Texas, or every state on what IVF costs. If you are near a big city, the metro pages compare every clinic there at every patient age, for example Phoenix, San Antonio and New York City.
What these low prices include
The table makes one pattern hard to miss: a low price usually buys a short list. We read each of the 22 prices for six things nearly every IVF cycle needs or commonly adds, and recorded whether the clinic says the price includes it, says it is charged separately, or does not say.
Medications are the biggest gap. The injectable drugs that grow your eggs are the most variable part of an IVF bill, which is why almost every clinic leaves them out of the posted price; the clinics' own estimates run from $500 to $3,500 at Life IVF Center and $1,200 to $1,500 for Arizona Reproductive Medicine Specialists' lower-dose Gentle IVF up to $3,000 to $7,000 at the Florida Institute for Reproductive Medicine and $3,000 to $8,000 at the Fertility Institute of Hawaii. How much you need depends on your protocol and how your body responds, which is why no clinic can quote it exactly in advance. Our medications guide explains what each drug in a protocol does and what it costs.
Monitoring is the gap people miss. The ultrasounds and blood tests during stimulation are not optional, yet only 7 of the 22 prices say they include them, and 4 say they are extra. CNY Fertility's base package and Hudson Valley Fertility's single-cycle plan both leave monitoring out, and Life IVF Center and Labryo Fertility Center list it separately.
The transfer is not always in the price. Eleven prices include an embryo transfer, but Life IVF Center, Labryo Fertility Center and Rejuvenating Fertility Center's freeze-all price do not. That can be a sensible structure (many cycles now freeze every embryo and transfer one later), but it means a second bill.
Why the lowest price is rarely the lowest total
A posted price is the start of a bill. To see how far the total can travel, here is one worked example using only the fees a clinic posts itself. At the Florida Institute for Reproductive Medicine in Jacksonville, the single cycle is $7,290 with monitoring, retrieval and transfer included. Add the clinic's own estimate for medications ($3,000 to $7,000), its anesthesia fee ($550) and its embryo freezing fee ($800), and the cycle comes to $11,640 to $15,640 before ICSI ($1,000 if required) or genetic testing. That is our addition of the clinic's posted fees, not a quote, and it is still well under the national typical range, which is why a posted low price is worth a call.
The extras themselves vary a lot from clinic to clinic. These are the fees the 22 clinics post for the most common ones:
| Extra | Posted fees at these clinics |
|---|---|
| ICSI (sperm injected into each egg) | $600 (New Direction), $800 (Assisted Fertility Program), $1,000 (FIRM, if required), $1,100 (Cooper Institute), $1,295 (Arizona Center for Reproductive Endocrinology), $2,000 (ARMS, if needed), $2,250 (Florida Fertility Institute, if needed) |
| Anesthesia for the retrieval | $500 (Assisted Fertility Program, New Direction), $550 (FIRM), $1,000 (Florida Fertility Institute); IV sedation $750 at Life IVF Center |
| Embryo freezing | $750 (Assisted Fertility Program), $800 with a year of storage (FIRM); NCCRM's low-stimulation price freezes two embryos and charges $1,000 for more |
| Later frozen embryo transfer | $1,000 delayed transfer (Assisted Fertility Program), $1,975 if within 6 months (Center for Advanced Reproductive Medicine), from $2,950 (Life IVF Center), $4,750 (Rejuvenating Fertility Center) |
Whether you need these extras is a medical question for your doctor. Our IVF add-ons guide shows what each one costs nationally and what the evidence says it does, and the frozen embryo transfer guide covers the transfer cycle.
Ways clinics bring the price down
Beyond a low headline, clinics cut the cost of IVF in five recognizable ways. Each one comes with conditions worth reading before you rely on it.
1. Freezing every embryo instead of a fresh transfer. A freeze-all cycle leaves the transfer for a later cycle, so it is priced lower. Rejuvenating Fertility Center lists IVF with all embryos frozen at $6,950 against $8,200 with a fresh transfer; Fertility Partnership near St. Louis starts its freeze-all cycle at $9,000 against $12,200 for a fresh cycle; and the national network CCRM Fertility estimates $8,250 to $19,615 for a freeze-all cycle against $12,660 to $20,855 with fresh eggs. Budget for the frozen transfer as a separate step.
2. Lower-dose ("gentle", "minimal" or "low-stimulation") IVF. These protocols use smaller doses of stimulation drugs and fewer visits. Arizona Reproductive Medicine Specialists prices Gentle IVF at $4,800 with an estimated $1,200 to $1,500 in medications, against $11,725 plus $2,000 to $2,900 for its Optimal IVF, and the North Carolina Center for Reproductive Medicine prices a low-stimulation cycle at $7,500 with medications included, for medically qualifying patients. A lower-dose cycle usually aims to collect fewer eggs, so ask the clinic which patients it suits and how its results compare for your age; our IVF success rates by age page shows the national picture.
3. Plans that cover more than one attempt. If you expect to need more than one retrieval, a plan can cut the per-cycle price. Hudson Valley Fertility offers two fresh retrievals and two transfers for $10,000; the Assisted Fertility Program offers two cycles for $11,000 with a third free; Strong Fertility Center in Rochester, New York, charges $9,790 for a first cycle that includes up to two transfers and $7,290 for each later cycle; and Labryo Fertility Center sells a year of unlimited embryo-banking cycles for $39,500. Read the refund and expiry terms: Labryo's package, for example, is valid for one year and excluded from performance refunds. Refund and shared-risk programs work differently again; our guide to paying for IVF compares them.
4. Prices that depend on income. The Center for Human Reproduction in New York charges uninsured patients $10,440 for a cycle if family income is up to $50,000, $11,600 up to $75,000 and $12,550 up to $100,000, covering monitoring, retrieval and transfer but not medications, anesthesia, ICSI or freezing. The Assisted Fertility Program takes 5% off for household income under $75,000 and 10% off under $50,000.
5. Discounts for a group. New Direction Fertility Centers in Gilbert, Arizona, offers eligible teachers IVF for $5,000 instead of $6,500, if the retrieval happens in July, August or September, without ICSI, anesthesia or genetic testing. Several clinics have similar programs for military families, first responders or healthcare workers, so it is worth asking.
Two more routes sit beside these. INVOcell, a device in which embryos develop inside the body for the first days instead of in a lab incubator, is priced at $4,000 at the Assisted Fertility Program and $7,500 per attempt as "Nature's IVF" at the Fertility Center of San Antonio, which says it is not suitable for every patient. And grants can pay part of a cycle: our IVF grants finder lists every US program that publishes its terms, by state.
How to compare quotes
- Ask every clinic for a written, itemized estimate. If you are paying yourself, the No Surprises Act gives you the right to a Good Faith Estimate of expected charges when you schedule care or ask for one ( CMS). It is the document you need if a bill later comes in higher.
- Line up the same six items for each clinic: monitoring, anesthesia, ICSI, embryo freezing and storage, the transfer, and medications. A price that includes more can be the cheaper one.
- Compare the cost of the course, not one cycle. Most patients need more than one attempt, so a plan with a lower per-cycle price can matter more than the first cycle's price. Our IVF cost calculator builds an all-in estimate by age and plan.
- Check each clinic's results for your age. Every clinic page on IVFcost.co shows its CDC-reported live-birth rates by age band, next to its posted price where it has one. A clinic's numbers depend on the patients it treats, so use them as a question to ask, not a ranking; our guide to reading IVF success rates explains why.
- Check what your insurance and state require. Fifteen jurisdictions require some plans to cover IVF; our insurance guide lists every state's law and how to check your own plan.
Common questions
What is the cheapest IVF in the US? No clinic can honestly be called the cheapest, because posted prices cover different things. The lowest posted IVF prices we found are $4,525 at the Cooper Institute in New Jersey, $4,800 for Gentle IVF (a lower-dose protocol) at Arizona Reproductive Medicine Specialists and $4,999 for CNY Fertility's base package, and none of them covers everything a cycle needs. The only price under $9,000 that includes medications is the North Carolina Center for Reproductive Medicine's $7,500 low-stimulation cycle, for medically qualifying patients.
Is cheap IVF lower quality? A posted price tells you nothing about results either way. Clinics with low prices often keep costs down with simpler packages, lower-dose protocols or a narrower set of services. Look at each clinic's CDC live-birth rates for your age band, ask what the price leaves out, and ask how the clinic's results look for patients like you.
Why do so few clinics post a price? Our census of all 452 CDC-reporting locations found that about one in three posts a self-pay IVF price on its website; the rest ask you to call or book a consultation first. The full findings break that down by clinic size, state and metro area.
Is IVF cheaper in some states? Posted prices differ by location even within one network: Aspire Fertility posts the same package at $11,760 in San Antonio and $16,500 in Austin ( our census). In the table above, Arizona has four clinics posting an IVF price under $9,000 and California, Florida and New York three each, but every state page lists its own clinics' prices, so check yours.
How we built this list
The clinics. We check every clinic location that reports to the CDC's assisted reproductive technology program, 452 locations, for a self-pay IVF price on the clinic's own website, and re-check each one about every two weeks. The live results, with the amount, what it covers, the source page and the check date for every location, are a free dataset under CC BY 4.0.
What counts. Only a price the clinic publishes on its own website, for an IVF cycle with an egg retrieval, that is current. A figure from a directory or cost guide never counts, and neither does a general statement about what IVF costs in a region or in general, an offer whose stated period has ended, or the price of a frozen embryo transfer or another single service.
This list. On October 3, 2026, we read every posted price on the clinic's own page, removed the ones that did not hold up, and listed every clinic whose lowest posted IVF cycle price is under $9,000. We list them by state rather than by amount because the packages are not alike, and we do not average them. One clinic with a low posted price is not listed: Tripler Army Medical Center in Hawaii, whose fee schedule is from 2020 and whose IVF program serves the military health system.
Prices reflect each clinic's own website as read on October 3, 2026. Clinic prices, packages and eligibility rules change, and a posted price is not a quote: confirm the current price and what it includes with the clinic, in writing, before you decide.