A mommy makeover is not one surgery, so it does not have one price. The total depends on which procedures you combine, where you live, and who performs the work.
For the most common version, a tummy tuck plus a breast lift with implants and liposuction, the national average is about $27,000 in 2026. Most women will see all-in quotes between $20,000 and $35,000. Smaller plans start closer to $18,700, and state averages run from about $23,600 in Oklahoma to about $31,800 in New York.
Key Takeaways
- Typical total: The classic mommy makeover averages about $27,000 nationally, with most all-in quotes between $20,000 and $35,000.
- Simpler plans: A tummy tuck paired with only a breast augmentation or only a breast lift averages about $18,700.
- Surgeon fee share: The surgeon fee is about two-thirds of the bill, and the facility, anesthesia, and implants make up the rest.
- Location: State averages differ by about $8,000, and big-city practices often charge more than their state average.
- Insurance: Health plans treat a mommy makeover as cosmetic, so most patients pay out of pocket or finance it.
The sections below show how each number was built, so you can check any quote against it.
Mommy Makeover Cost at a Glance
Your price depends first on the procedures in your plan. This table shows national all-in estimates for the combinations surgeons perform most often.
Each line shows the national average, the typical range, and the approximate surgery time.
- Tummy tuck + breast augmentation: $18,700 | $14,000 to $24,500 | 3.5 hours
- Tummy tuck + breast lift (no implants): $18,700 | $14,000 to $24,500 | 4 to 4.5 hours
- Tummy tuck + breast lift with implants: $23,600 | $17,500 to $30,500 | 4.5 hours
- Classic (tummy tuck + breast lift with implants + liposuction): $27,000 | $20,000 to $35,000 | 5 to 5.5 hours
- Classic plan + labiaplasty: $29,900 | $22,500 to $39,000 | About 6 hours
These are all-in figures. They cover the surgeon, the facility, anesthesia, implants when used, and basic costs before and after surgery.
“Patients often come in with a number they found online, but that number rarely matches their plan,” says Dr. Hoschander of the NYC Mommy Makeover Center. “Once we know which areas we are treating and how long surgery will take, the price becomes clear. Every quote we give is built around the individual patient.”
Why Mommy Makeover Price Estimates Are All Over the Map
Search this question and you will find national averages from about $12,000 to about $50,000. Most of that gap comes from three problems, not from real price differences.
- Surgeon fee versus total cost: Some figures cover only the surgeon, which leaves out the operating room, anesthesia, and implants.
- Different procedure bundles: CareCredit’s 2026 cost survey lists a “midrange” mommy makeover at $34,189, but that package adds a Brazilian butt lift and a thigh lift.
- Advertised starting prices: Practice websites often list the price of the smallest plan, and final quotes rise once the full plan is set.
The fix is simple. Compare the same procedures, and compare total cost instead of surgeon fees.
What the ASPS Data Says About Cost
The American Society of Plastic Surgeons (ASPS) publishes the most widely cited plastic surgery statistics in the country. Its data gives a solid base, with one important gap.
The Most Recent ASPS Fee Data
ASPS last published fee data in its 2024 report. That year, it switched from single averages to projected ranges that reflect different regions and practice settings. These figures cover the surgeon fee only.
Each line shows the ASPS surgeon fee range, then the midpoint of that range.
- Tummy tuck: $8,000 to $13,500 | $10,750
- Breast lift: $6,500 to $11,000 | $8,750
- Breast augmentation with implants: $4,575 to $8,000 | $6,288
- Liposuction: $4,300 to $7,500 | $5,900
- Labiaplasty: $3,550 to $6,500 | $5,025
For comparison, the 2023 report listed single averages of $8,174 for a tummy tuck, $6,816 for a breast lift, $4,875 for breast augmentation, and $4,711 for liposuction. ASPS data also shows that about 26% of breast augmentations in 2024 included a breast lift, a pairing many mommy makeover patients choose.
Every Line Item in a Mommy Makeover Quote
A full quote has several parts. Here is how the classic mommy makeover breaks down at the national average. Each line shows the typical range, then that item’s share of the $27,000 average.
- Surgeon fee: $13,000 to $24,000 | $18,000
- Facility or operating room fee: $2,500 to $5,500 | $3,650
- Anesthesia: $1,800 to $3,500 | $2,550
- Breast implants: $1,000 to $3,500 | $1,850
- Lab work, garments, medications, and follow-up: $500 to $1,500 | $950
“We always walk patients through the full breakdown, not just the surgeon fee,” adds the NYC Mommy Makeover Center. “The facility, the anesthesia team, and the implants all affect your safety and your result. A quote that looks low on paper often leaves one of those pieces out.”
Surgeon Fee
The surgeon fee is the largest single cost. It pays for the surgeon’s time and skill, along with the practice’s staff and overhead. Fees rise with experience, demand, and the complexity of your plan.
Facility Fee
This covers the operating room, surgical supplies, and nursing staff. Most facilities charge by the hour. An accredited surgery center or office surgical suite usually costs less than a hospital operating room.
Anesthesia
Anesthesia is also billed by the hour. A mommy makeover uses general anesthesia, managed by a board-certified anesthesiologist or a certified nurse anesthetist. Longer surgeries cost more.
Breast Implants
Implants are a separate product cost. Saline implants cost the least. Silicone implants typically add $1,000 to $2,000, and specialty options can add more.
Costs Before and After Surgery
Plan for lab work, a medical clearance if your surgeon requires one, prescriptions, and compression garments. Some practices include these items in the quote. Others bill them separately.
How This Guide Built the $27,000 Estimate
No single source gives a reliable all-in national average for a mommy makeover. So this estimate combines four independent methods and takes the average.
- Method 1: ASPS 2024 fee midpoints, plus facility, anesthesia, implants, and other costs | $30,900
- Method 2: ASPS 2023 averages grown by 3% a year for three years, plus the same added costs | $27,600
- Method 3: All-in advertised prices from a 2026 study of 100 U.S. metro areas, adjusted for one combined surgery | $24,600
- Method 4: CareCredit’s 2026 all-in procedure averages, adjusted for one combined surgery | $24,800
- Average of all four: $27,000
A few rules shaped the math:
- Combined procedures: The main procedure is charged at its full fee, and each added procedure is charged at half, the same pattern standard U.S. surgical billing uses for multiple procedures in one operation.
- Hourly costs: Facility and anesthesia fees were priced by the hour, at about $750 and $525 per hour for a surgery of roughly five and a quarter hours.
- Shared savings: Methods 3 and 4 price each surgery on its own, so they subtract $4,500 to $6,000 for the facility and anesthesia costs you avoid by combining.
- Lift premium: The metro study had no breast lift price, so half of the ASPS lift midpoint was added to method 3.
The four methods land within about $6,000 of each other. That tight spread makes the average more reliable than any one source on its own.
Mommy Makeover Cost by State
This table shows the estimated average for the classic mommy makeover in all 50 states and Washington, D.C. Use it to set expectations before your first consultation.
Each line shows the estimated average first, then the typical range.
- Alabama: $24,500 | $18,500 to $32,000
- Alaska: $27,400 | $20,500 to $35,500
- Arizona: $28,900 | $21,500 to $37,500
- Arkansas: $24,100 | $18,000 to $31,500
- California: $29,400 | $22,000 to $38,000
- Colorado: $29,600 | $22,000 to $38,500
- Connecticut: $27,900 | $21,000 to $36,500
- Delaware: $27,000 | $20,000 to $35,000
- District of Columbia: $28,300 | $21,000 to $37,000
- Florida: $25,600 | $19,000 to $33,500
- Georgia: $25,300 | $19,000 to $33,000
- Hawaii: $28,000 | $21,000 to $36,500
- Idaho: $25,200 | $19,000 to $33,000
- Illinois: $25,500 | $19,000 to $33,000
- Indiana: $23,900 | $18,000 to $31,000
- Iowa: $24,300 | $18,000 to $31,500
- Kansas: $23,800 | $18,000 to $31,000
- Kentucky: $26,500 | $20,000 to $34,500
- Louisiana: $24,400 | $18,500 to $31,500
- Maine: $26,400 | $20,000 to $34,500
- Maryland: $28,300 | $21,000 to $37,000
- Massachusetts: $29,500 | $22,000 to $38,500
- Michigan: $27,200 | $20,500 to $35,500
- Minnesota: $28,000 | $21,000 to $36,500
- Mississippi: $24,100 | $18,000 to $31,500
- Missouri: $25,300 | $19,000 to $33,000
- Montana: $25,900 | $19,500 to $33,500
- Nebraska: $24,900 | $18,500 to $32,500
- Nevada: $28,200 | $21,000 to $36,500
- New Hampshire: $28,000 | $21,000 to $36,500
- New Jersey: $27,800 | $21,000 to $36,000
- New Mexico: $23,700 | $18,000 to $31,000
- New York: $31,800 | $24,000 to $41,500
- North Carolina: $26,200 | $19,500 to $34,000
- North Dakota: $24,600 | $18,500 to $32,000
- Ohio: $23,700 | $18,000 to $31,000
- Oklahoma: $23,600 | $17,500 to $30,500
- Oregon: $28,800 | $21,500 to $37,500
- Pennsylvania: $26,800 | $20,000 to $35,000
- Rhode Island: $27,600 | $20,500 to $36,000
- South Carolina: $25,700 | $19,500 to $33,500
- South Dakota: $24,500 | $18,500 to $32,000
- Tennessee: $25,300 | $19,000 to $33,000
- Texas: $27,000 | $20,000 to $35,000
- Utah: $26,800 | $20,000 to $35,000
- Vermont: $26,600 | $20,000 to $34,500
- Virginia: $27,100 | $20,500 to $35,000
- Washington: $27,500 | $20,500 to $36,000
- West Virginia: $24,700 | $18,500 to $32,000
- Wisconsin: $25,600 | $19,000 to $33,500
- Wyoming: $25,400 | $19,000 to $33,000
To estimate a smaller plan, multiply your state’s figure by 0.69 for a tummy tuck with either a breast augmentation or a breast lift. Use 0.87 for a tummy tuck with a breast lift and implants. For the classic plan plus labiaplasty, multiply by 1.11.
How the State Numbers Were Calculated
Each state starts with the $27,000 national average. It then moves up or down based on the state’s cost of living, measured by the 2024 Regional Price Parities from the U.S. Bureau of Economic Analysis.
Cosmetic surgery prices do not move one-for-one with living costs. To measure the real link, this guide compared advertised surgery prices across 34 states from a 2026 study in Aesthetic Surgery Journal Open Forum with each state’s price level. Surgery prices rose about 8% for every 10% rise in cost of living.
For the 34 states in that study, the formula result was blended with the state’s actual advertised prices. States with more cities in the data got more weight on their real prices. All states were then adjusted so the national average stays at $27,000.
These are estimates, not quotes. Your surgeon’s price can land above or below your state’s range.
What the State Data Shows
A few patterns stand out once every state is on the same scale:
- Most expensive: New York leads at about $31,800, with Colorado, Massachusetts, and California close to $29,500.
- Least expensive: Oklahoma, New Mexico, Ohio, and Kansas sit near $23,700.
- Higher than expected: Kentucky and Michigan price above what their living costs alone would predict, which matches the 2026 study’s findings.
- Lower than expected: Florida prices below its cost of living, a likely sign of heavy competition in the busiest cosmetic surgery region in the country.
The ASPS South Atlantic region, which includes Florida, recorded about 548,000 cosmetic procedures in 2025. No other region came close to that total.
Why Location Changes the Price So Much
Where you have surgery can shift the total by thousands of dollars. Four forces drive most of that gap.
Overhead and Cost of Living
Rent, staff wages, and malpractice insurance cost more in high-price areas. Practices pass those costs on to patients through higher fees.
Local Income
The 2026 metro study found that states with higher per capita income had higher surgery prices. Income explained about 28% of the price differences between states.
Big-City Premiums
State averages hide big gaps inside each state. Manhattan and other major metros often run well above the statewide figure, while smaller cities in the same state run below it. In the study, New York was the most expensive state both before and after adjusting for living costs.
Real Cost Versus Sticker Price
A lower price does not always mean a lighter burden. The study found that an average cosmetic procedure cost about 19.4% of per capita income in Kentucky, compared with 11.7% in New Jersey.
Factors That Raise or Lower Your Quote
Two women in the same city can get very different quotes. These are the details that move the number most.
- Tummy tuck type: A mini tummy tuck costs less than a full one, and an extended tummy tuck that wraps toward the hips costs more.
- Breast plan: An augmentation alone is usually the lowest-cost breast option, while a lift with implants takes the most operating time.
- Implant type: Silicone implants typically add $1,000 to $2,000 compared with saline.
- Liposuction areas: Each added area adds operating time and cost.
- Surgeon experience: Surgeons with long track records and full schedules charge more.
- Facility type: Accredited office surgical suites and surgery centers often cost less than hospital operating rooms.
- Your anatomy: More loose skin, a wider muscle separation, or prior surgery can add time to the operation.
Ask your surgeon which of these drives your quote. The answer shows where you have room to adjust.
Is It Cheaper to Combine or Stage the Surgeries?
Combined surgery usually costs less overall. A staged plan costs more in total but spreads the payments out.
One combined surgery means one facility fee, one anesthesia session, and one recovery. Practices commonly estimate savings of $3,000 to $6,000 compared with separate surgeries.
A staged plan has its own appeal. ASPS reported that starting in 2024, more patients asked to stage their plans and pay as they go. Two operations can also be the safer choice for a long plan. Many surgeons cap a single combined surgery at about six hours.
Your surgeon should make that call based on your health first and your budget second.
Costs Outside the Surgical Quote
The surgical quote is not the whole budget. Plan for these costs as well.
- Time off work: Most patients plan about two weeks off and avoid heavy exercise for four to six weeks.
- Help at home: Surgeons usually limit lifting after surgery, so many families pay for extra childcare during the first weeks.
- Travel and lodging: Patients who travel for surgery may need to stay nearby through the first follow-up visits.
- Revisions: Some surgeons charge only facility and anesthesia fees for a touch-up, while others charge a full fee.
- Complication coverage: Certain practices include or offer complication insurance that helps with costs if a problem needs treatment.
A budget that includes these items prevents surprises later.
Does Insurance Cover a Mommy Makeover?
Health insurance almost never covers a mommy makeover, since plans treat it as cosmetic. A few narrow exceptions exist.
A panniculectomy to remove hanging skin that causes rashes or infections may qualify for coverage. An umbilical hernia repaired during the same surgery may also be billed to insurance. Muscle repair for diastasis recti is usually considered cosmetic.
Get any coverage decision in writing before surgery. Verbal estimates from a benefits line are not guarantees.
How Patients Pay for a Mommy Makeover
Most patients pay with savings, a loan, or a medical credit card. Common options include:
- Savings: Cash payment avoids interest, and some practices offer a small discount for payment in full.
- Medical credit cards: Lenders such as CareCredit and Alphaeon offer promotional plans for elective surgery.
- Personal loans: A fixed-rate loan from a bank or credit union gives you a set monthly payment.
- Practice payment plans: Some offices let you pay in installments before your surgery date.
Read promotional financing terms closely. Some plans charge interest back to the purchase date if the balance is not paid off in time.
Questions to Ask Before You Compare Quotes
Two quotes are only comparable when they cover the same things. Bring these questions to every consultation.
- All-in price: Confirm whether the quote includes the surgeon, facility, anesthesia, implants, garments, and follow-up visits.
- Facility accreditation: Find out where the surgery happens and which organization accredits the operating room.
- Anesthesia provider: Ask whether a board-certified anesthesiologist or a nurse anesthetist will manage your care.
- Revision policy: Request the practice’s written policy on touch-up costs.
- Deposits: Check when deposits are due and whether they are refundable.
Clear answers to these questions make it easy to spot a quote that looks low only because it leaves things out.
Plan Around the Full Number, Not the Starting Price
A classic mommy makeover costs about $27,000 on average in 2026, and most women will pay between $20,000 and $35,000. Your state, your surgeon, and your exact plan decide where you land in that range.
Use the state table as a starting point, not a final answer. A consultation with a board-certified plastic surgeon is the only way to get a real number for your body and your goals.
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