When considering burial, it helps to first understand how cemeteries differ. There are 3 common types of cemeteries:

• Public or municipal cemeteries

  • Public (aka municipal cemeteries) are usually owned and operated by local governments. These are often more affordable but can have varying rules about headstones, decorations, or available space, depending on the region.

• Private cemeteries

  • Private cemeteries, on the other hand, tend to offer a wider range of options—such as specialized garden sections or mausoleums—and may allow for more personalization. However, these features typically come with higher prices.

• Religious or church-affiliated cemeteries

  • Meanwhile, religious or church-affiliated cemeteries may be an appealing choice if you or your loved one belonged to a particular congregation or faith tradition, since such cemeteries sometimes offer discounts or special amenities to members.

Most common type of burial plot

The most common type of burial is a traditional in-ground burial. As the name suggests, the casket is placed in the ground and marked by a headstone or plaque. (Wait, aren't all burials in-ground? No). Some cemeteries also offer above-ground interment, such as in a mausoleum or crypt, or smaller plots specifically designed for urns carrying cremated remains.

Pricing and affordability

Choosing a burial plot for a loved one can feel like a big decision, particularly when balancing emotional considerations with practical matters like cost. A good first step is deciding on your overall budget and narrowing down the geographic area where you’d like to search. If your loved one grew up in a particular town or region, or if they expressed a wish to be laid to rest near certain relatives, these preferences can help guide you to a shortlist of cemeteries. Once you have a handful of places in mind, reach out to each one to discuss the costs.

When talking with cemeteries, don’t just look at the price of the plot itself—make sure to ask about the following:

1. Hidden Fees

   1. Ask about opening and closing fees for the grave, perpetual care or maintenance fees, headstone installation fees, and any other potential surcharges that might not be obvious at first glance.

2. Payment Plans

   • Some cemeteries offer installment or monthly payment plans.

   • This can be helpful if you want to secure a plot sooner but need to spread out the cost.

3. Discounts or Special Sections

   • Sometimes there are certain sections of the cemetery that are less expensive or have special promotions.

   • Veterans cemeteries or certain organizational cemeteries may offer discounts if your grandmother qualified as a member.

4. Pre-Need Purchasing

   • If you are planning in advance, you could look into “pre-need” (buying a plot in advance). This can lock in today’s price, which is often lower than future costs. (See also: Our guide on funeral insurance)

5. Long-Term Costs

   • Some cemeteries have perpetual care fees or endowment fees that ensure the grave’s upkeep. Make sure you know what that cost is, or if it’s included.

   
   

If the overall cost seems daunting, you should inquire about payment plans or installment options. Many cemeteries recognize that families might need more flexible ways to pay, especially if they want to secure a plot in advance (which is often called a “pre-need” purchase). Planning ahead can sometimes lock in lower prices and spare your family from higher costs in the future. It never hurts to ask about possible discounts, promotions, or special offers as well. Cemeteries may occasionally have sections that are more affordable or may reduce prices if multiple plots are purchased together for family members.

More tips to save money:

1. Reach Out to Multiple Cemeteries: Compare not only the plot prices but also any additional fees (opening/closing grave fees, headstone installation costs, maintenance fees, etc).

2. Payment Plans: Many cemeteries allow you to pay for a plot in installments.

3. Discounts or Promotions: Occasionally, cemeteries may offer seasonal discounts or have certain areas that cost less.

4. Pre-Need Purchasing: Buying in advance can lock in current rates and help avoid higher costs in the future.

Picking the perfect burial plot

Once you have a sense of cost, it’s often worthwhile to visit the cemeteries in person. Pictures and brochures can give you a preliminary feel for the grounds, but nothing compares to taking a walk through the space. You’ll see how well the cemetery is maintained, whether the grounds are easily accessible, and whether the atmosphere suits what your family envisions for your loved one's final resting place. Some people prefer open areas that get plenty of sunlight, while others are drawn to spots under a large tree or along a peaceful path. If your faith or cultural background are especially important, check whether the cemetery has a designated section that aligns with your traditions.

During your visit, pay attention to how well the grass is kept, how the staff interacts with visitors, and whether there are restrictions on what kind of decorations or headstones are allowed. Be sure to ask questions about rules for placing flowers or other memorial items, as these can vary widely from one cemetery to another. Once you find a spot that feels right, read any contract or purchase documents carefully, checking for hidden fees or clauses that might surprise you later. It’s wise to keep a copy of all documentation somewhere safe in case you need to refer back to it in the future.

Eco-friendly burial options

If your family is looking for a more eco-friendly approach, cremation or natural burial plots may be more suitable options. This involves skipping chemical embalming, using a biodegradable coffin or shroud, and often avoiding a vault to allow the body to return more directly to the earth. See Earth Funeral for more details.

Concluding Thoughts

In the end, finding an appropriate burial plot is always a balance between your loved one's wishes, your family’s preferences, and your practical budget. By doing a bit of research, making in-person visits, and asking direct questions about all potential costs, you can make a selection that honors her memory without undue financial strain. Keeping a clear record of your findings—perhaps in a simple spreadsheet or a notebook—will help you compare everything more easily and ensure you make a decision that you and your family feel comfortable with.

If the process of researching and negotiating prices becomes overwhelming, consider reaching out to a funeral director or a professional advisor who specializes in death care and end-of-life planning. These experts can guide you through comparing options, understanding cemetery policies, and spotting any red flags in a contract. They can also offer perspective on local regulations that might influence your choices.