Wondering how much does a trust cost in 2026? Whether you need a revocable living trust, an irrevocable trust for a house, or a Medicaid asset protection trust, costs vary by state, complexity, and provider. This guide delivers real pricing data, maintenance fees, and insider tips to help you budget accurately.
Before diving into numbers, understand that how much does a trust cost depends on several variables: trust type (revocable vs irrevocable), attorney fees in your region, asset complexity, and whether you choose online legal forms. In 2026, average trust setup ranges from $300 to $6,000+. Below we break down each component.
| Trust Type | Attorney Setup (Range) | Online/DIY | Annual Maintenance |
|---|---|---|---|
| Revocable Living Trust | $1,500 – $3,500 | $200 – $600 | $0 – $400 (self-trustee) |
| Irrevocable Trust (Standard) | $2,500 – $5,500 | $500 – $1,200 | $300 – $1,000+ |
| Medicaid Asset Protection Trust | $3,000 – $7,000 | Not recommended | $200 – $800 |
| Special Needs Trust | $2,000 – $5,000 | $400 – $900 | $250 – $750 |
| Gun Trust (NFA) | $350 – $1,000 | $100 – $300 | $0 – $150 |
| Land Trust | $500 – $1,500 | $150 – $400 | Minimal |
*Corporate trustee maintenance fees often range 0.5%-1.5% of assets per year. Many families name themselves as trustee to avoid annual costs.
Answers to queries like "how much does a living trust cost in California, Texas, Florida or New York?" Below are typical ranges for a standard revocable living trust (single or couple) with funding assistance.
| State | Typical Attorney Fee (2026) | Low-End (Online Hybrid) |
|---|---|---|
| California | $2,500 – $4,800 | $400 – $800 |
| Texas | $1,500 – $3,200 | $250 – $650 |
| Florida | $1,800 – $3,500 | $300 – $700 |
| New York | $2,500 – $4,500 | $450 – $850 |
| Illinois | $1,800 – $3,200 | $350 – $700 |
| Arizona | $1,600 – $3,000 | $300 – $650 |
| North Carolina | $1,500 – $2,900 | $250 – $600 |
| Michigan | $1,600 – $3,100 | $300 – $650 |
| Colorado | $1,800 – $3,300 | $350 – $700 |
| Pennsylvania | $1,700 – $3,200 | $300 – $680 |
Pro tip: Rural areas often have lower attorney rates compared to major metro hubs. Ask about flat-fee living trust packages — they usually include funding guidance.
Many people only consider setup, but ongoing costs matter. How much does a trust cost to maintain annually? If you serve as your own trustee, there are zero mandatory annual fees aside from possible registered agent fees or nominal bank account charges. However, if a corporate or professional trustee manages assets, expect 0.5%–1.5% of assets per year.
If you want to protect real estate from creditors or qualify for Medicaid, an irrevocable trust is common. How much does an irrevocable trust cost for a house? Typically $2,800 – $6,000 including deed transfer, legal documentation, and tax advice. Some attorneys charge separately for the deed preparation ($200–$400 per property). For high-value homes (over $1M), costs lean toward the higher end due to tax planning. Remember that once assets are placed in an irrevocable trust, you generally cannot modify terms without beneficiary consent.
Revocable trusts are cheaper upfront ($1,500–$3,500) and flexible, but irrevocable trusts offer asset protection and potential tax benefits. Medicaid Asset Protection Trusts (MAPTs) usually cost $3,500–$7,000 due to complex state-specific rules (look-back period).
How much does it cost to set up a trust using an attorney vs. online platform? Attorneys offer personalized advice and reduce errors, while online services (LegalZoom, Nolo, Trust & Will) cost $200–$600 but lack state-specific nuance for complex estates. For most families with straightforward assets (home, retirement accounts, no business interests), a revocable living trust from a reputable online provider works well, but you still need notarization and may pay extra for attorney review ($100–$300).
Total typical range: $1,800 – $4,200 for a fully funded revocable living trust with attorney guidance. Online DIY reduces to $400–$900 including notary and basic funding instructions.
Many estate plans combine a pour-over will with a living trust. How much does a will and trust cost as a bundle? Attorneys typically charge $2,200 – $4,500 for a complete package (trust, will, financial power of attorney, advance directive). That’s 15-25% cheaper than purchasing each document separately. In 2026, digital estate planning bundles from platforms like Trustworthy or MyFamilyPlan start at $500–$1,200 with attorney support add-ons. If you have a complex family situation (blended families, special needs), hiring an attorney is highly recommended.
Average attorney-prepared living trust costs $1,800–$3,500. Online DIY ranges $200–$600. In high-cost states like CA/NY, attorney fees often reach $3,000–$4,500.
If you act as trustee: $0 mandatory fees (just account costs). If you hire a corporate trustee (bank/trust company), expect 0.5%–1.5% of assets annually.
Typically $2,800–$6,000 including deed transfer and legal drafting. Complex Medicaid trusts may go up to $7,000.
In Texas: $1,500–$3,200; Florida: $1,800–$3,500. Both are moderate compared to California ($2,500+).
Yes, online platforms offer revocable living trusts for $200–$600. But errors in funding or state law could be costly later. For blended families, business assets, or special needs, use an attorney.
Simple amendments: $300–$800. Full restatement: $800–$1,800. Some attorneys offer discounted amendment rates for existing clients.
A basic will costs $300–$1,000 (attorney), while a trust is $1,500–$3,500. Trusts avoid probate, offering long-term savings and privacy.
Compare quotes from licensed trust & estate attorneys in your state. No obligation, tailored to your situation.
Get a Free Attorney QuoteDisclaimer: This information is for educational purposes and does not constitute legal or financial advice. Trust costs vary based on individual circumstances, location, and market changes. Always consult a qualified estate planning attorney or tax professional for personalized guidance.