The Complete Guide to Paying for Your Wedding in 2025

Hello, thanks so much for visiting our site. I am Didi Russell, I have toured over 1000 wedding venues in 27 states over the last 15 years. I am obsessed with wedding industry data and research and the best news is, I have nothing to sell you. You won’t find ads on this page and I am not here to add you to a marketing email. I do hope to help engaged couples connect with locally owned wedding venues as you start your search for wedding planning solutions. Ok, now that’s out of the way, let’s talk about YOU! Planning a wedding is one of the most exciting times in life. But let’s face it, behind the romance of picking a venue and tasting cakes lies a bigger question many couples have to figure out early on: how to pay for a wedding 2025.

Modern weddings are a significant financial investment, with costs varying widely depending on where you get married, the size of your vision, and your unique preferences. This ultimate guide will walk you through everything—from understanding wedding costs by state to strategies for managing your wedding budget with less stress, so you can focus on what truly matters.

Why Wedding Costs Vary by State

Wedding expenses differ by state based on several factors such as vendor pricing, venue demand, and local economies. States with high population densities or in-demand wedding destinations (like Hawaii and New York) naturally come with higher costs, while less populated areas (such as West Virginia or Idaho) may offer more budget-friendly options.

Additionally, cultural norms in different regions may impact the size of the wedding party, type of venues chosen, and the number of guests invited, all of which contribute to the overall cost.

Average Cost of Weddings in Each State

Here’s a state-by-state breakdown of the average cost of a wedding, based on industry data. The numbers include typical expenses like venue rentals, catering, photography, and other common wedding services.

High-Spending States

These states host some of the most extravagant weddings with costs often exceeding $40,000. If you’re planning a big, lavish event, these regions provide the glitz and glam, but they do come with a hefty price tag.

• New York: $48,000
• New Jersey: $47,000
• Hawaii: $45,000
• California: $44,000
• Massachusetts: $43,000

Mid-Range States

For couples who want to host an elegant yet practical wedding, these states offer balance. Prices range between $30,000 and $40,000 for a beautiful event without breaking the bank.

• Illinois: $38,000
• Texas: $36,000
• Florida: $35,000
• Colorado: $34,000
• Oregon: $32,000

Budget-Friendly Gems

Dreaming of a memorable celebration on a smaller budget? Check out these states where wedding costs average under $30,000.

• West Virginia: $18,000
• Mississippi: $19,000
• Arkansas: $20,000
• Kentucky: $23,000
• Idaho: $25,000

Key Wedding Expenses to Consider

No matter where you’re saying “I do,” understanding the specific elements that contribute to wedding costs can help you allocate your budget efficiently. Here are some typical categories to consider when planning your big day:

1. Venue

This is often the largest expense for couples. Urban venues, luxury hotel ballrooms, and scenic outdoor destinations can quickly push the budget higher.

• National Average Cost for Venue Rental: $12,000 – $15,000

2. Catering

From plated dinners to buffet-style receptions, catering can vary widely depending on your guest count and menu choices.

• Average Cost Per Guest Range: $70 – $150

3. Photography and Videography

Capturing the big moments is a must, and professional photographers often charge a premium for their expertise.

• Average Cost for Photography Package: $3,000 – $4,500
• Average Cost for Videography Package: $2,000 – $3,500

4. Dress and Attire

The couple’s attire, including additional costs for alterations, accessories, and shoes, will also play a role in your budget.

• Average Cost of a Wedding Dress in the U.S.: $1,200 – $1,700

5. Entertainment

A superb DJ or live band can set the tone for your reception and keep guests dancing all night long.

• Average Cost of Wedding Entertainment (DJ): $1,200
• Average Cost of Live Band: $4,500

Money-Saving Tips for Budget-Conscious Couples

If the numbers seem daunting, don’t worry! Here are some tried-and-true tips for cutting back costs without compromising on your dream wedding.

• Consider Off-Peak Dates: Planning a wedding during the off-season or on a weekday can result in significant savings on venues and vendors.
• Limit the Guest List: Fewer guests mean fewer mouths to feed, lower catering costs, and a more intimate celebration.
• DIY Decor: From table centerpieces to wedding favors, putting a personal touch on your decor can save money and add charm to your big day.
• Opt for Local Vendors: Avoid added travel charges by choosing nearby photographers, caterers, and florists.
• Prioritize What’s Important: Decide which elements (like a stunning venue or live band) matter most, and allocate the bulk of your budget there while minimizing expenses elsewhere.

What’s Driving the Cost of Weddings – Corporate Greed!

Stop using big wedding websites like The Knot, Zola, Wedding Wire & other platforms that often charge sky high prices to small business wedding venues and vendors. There are fraud allegations and potential pending lawsuits over predatory practices big wedding companies perpetrate against small business wedding venues and vendors. This is one of the reasons the cost of weddings is so high, some of these big wedding websites charge $10,000 to $20,000 or more for small business wedding venues and vendors to be listed. Use Google to find your local wedding venues in searches like, “Dallas wedding venues” or “NYC wedding venues” to find amazing locally owned wedding venues. When you choose locally owned, you will often find that your wedding investment goes so much further. Corporate owned venues most often focus on cutting corners and cost savings, small business wedding venues prioritize reputation and experience. CHOOSE LOCALLY OWNED and you will not only get so much more for your wedding budget, you will be so much happier with your experience. Find locally owned wedding venues on our wedding venue search map, no one ever pays to be listed here and we do not accept big wedding sponsorships funds.

Certain factors can heavily influence the cost of your big day. Here’s what to keep in mind before you get your first vendor quote:

1. Venue and Catering (40%-50% of Your Budget):

The venue and catering are the largest expenses for most couples. Upscale venues often charge $10,000 or more just for the space, while catering services average between $75-$200 per guest.

2. Guest List Size:

More guests = higher costs. From catering to rentals (tables, chairs, etc.), every add-on increases your overall bill.

3. Personalization and Décor:

From custom wedding hashtags to exquisite floral installations and engraved invitations, personalization is a growing trend—but it can add thousands to your final tab.

4. The Dress and Attire:

Wedding dresses average about $1,800-$2,500, while tuxedos and bridal party attire will also require budgeting. Designer options? Prepare to spend more.

5. Photography and Videography:

Capturing your memories can cost between $2,500 and $7,000, depending on the experience and style of the team you hire.

6. Entertainment:

Live bands may range from $4,000-$10,000, while DJs, on the lower end, generally fall between $800-$2,000. Don’t forget extra enhancements like photo booths or light shows, which add further expenses.

7. Destination vs. Local Weddings:

Destination weddings can be cost-effective if you’re combining the ceremony and honeymoon. However, locations further off the beaten path may cost extra in logistics for travel and accommodations.

Smart Strategies for Paying for Your Wedding

When it comes to financing your wedding, there’s no one-size-fits-all approach. The best way to save money is by working with locally owned wedding venues, did you know, many of them offer payment plans? It’s true, no interest payment options from your venue is a far better options than maxing out high interest credit cards or taking out a loan. Another way to save money is to reduce your guest count, next up is to book a wedding venue far under your budget in order to have so much more for flowers, decor and other priority upgrades. When you spend a high percentage on your venue, you may not have the funds you desire for upgrades. Here are some expert tips to help:

1. Set a Realistic Budget First

Before booking anything, sit down as a couple (and possibly with your families) to discuss a realistic budget. Be open about who will contribute and how much. For instance, some costs may be split with family members, while others come out of your personal savings.

2. Create a Separate Wedding Fund

Open a dedicated bank account specifically for wedding expenses. Having all wedding-related payments come from one place makes budgeting much simpler. Plus, it’s easier to track your spending over time.

3. Break Down the Budget

Allocate your funds to each category and prioritize what matters most to you as a couple. Love photography? Spend extra there. Not fussed about a giant cake? Go smaller and save money.

4. Take Advantage of Wedding Loans (If Needed)

While it’s always better to avoid debt when possible, some couples opt for wedding loans. Make sure you shop around for low-interest options, though; weddings can get expensive, but they shouldn’t create financial strain long after the “I do’s.”

5. Book Smart and Early

Booking in advance can help lock in lower prices for things like venues and caterers. Don’t forget to shop for deals during off-peak wedding months (January to March).

6. Don’t Forget Hidden Costs

Remember to account for out-of-sight expenses like vendor tips (about 10%-20% of the bill) or marriage licenses, which cost $30 to $150 depending on your location.

7. Use Credit Card Rewards

Utilizing a credit card with generous points or cash-back rewards can help you rack up perks while paying for large expenses. Just be sure to pay off the balance entirely to avoid interest charges!

Finding Joy in the Planning Journey

While money plays a pivotal role in planning a wedding, it’s essential to focus on the joy of preparing for your big day. Here are a few ways to stay stress-free and happy as you plan:

• Celebrate Tiny Wins: Whether it’s booking your dream photographer or finding the perfect menu, take a moment to celebrate every milestone along the way.
• Delegate Where Needed: Enlist family, friends, or even a wedding planner to help with logistics, coordination, or supplier research.
• Stick to Your “Why”: Remind yourself why you’re choosing to celebrate in your unique way, whether it’s a large ballroom-style wedding or an intimate backyard gathering.

Paying for your wedding doesn’t have to be intimidating. With a solid plan, creative solutions, and shared teamwork, you can create the day of your dreams without breaking the bank. Start budgeting early and focus on what truly matters, so when the big day comes around, you can savor every moment stress-free.

Don’t know where to start? We’ve got plenty of free resources for wedding planning or budgeting. Whether you’re saving $30,000 or looking to throw a simple gathering, we’re here to help you make it perfect.

Now it’s your turn: Are you planning your dream wedding for 2025? Share your top budgeting tips or wedding hacks below—we’d love to hear them!