Cheapest IVF in Australia: What You'll Actually Pay (2026)
The cheapest IVF in Australia starts at ~$600 out-of-pocket per cycle at Number 1 Fertility in Melbourne, the country's only bulk-billing IVF clinic. Low-cost access programs at Adora Fertility (~$4,400), Primary IVF (~$4,700), and City Fertility (~$4,500) offer affordable alternatives in more locations. This page ranks the cheapest options, shows the lowest-cost clinic in every state, and explains how to reduce your IVF bill through Medicare, PBS, and insurance.
5 cheapest IVF options in Australia
Ranked by out-of-pocket cost per standard IVF cycle after Medicare rebates but before the Safety Net. Medication costs (PBS-subsidised) are separate. All clinics listed are RTAC-accredited.
Number 1 Fertility
East Melbourne (VIC)
$600
out-of-pocket/cycle
Australia's only bulk-billing IVF clinic. Out-of-pocket as low as ~$600 per cycle after Medicare. Consultation is fully bulk-billed ($0 gap). Single location in Melbourne. Best option for patients prioritising cost. Simpler protocols; fewer add-ons available.
View full pricing & details →Adora Fertility
Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, Canberra (NSW, VIC, QLD, WA, SA, ACT) — Adora Fertility
$4,400
out-of-pocket/cycle
Budget-focused IVF with transparent fixed-fee pricing. 7 locations nationally. IVF from ~$4,500. Good option for cost-conscious patients. Simpler protocols may mean fewer add-ons.
View full pricing & details →Primary IVF
Sydney CBD (NSW)
$4,700
out-of-pocket/cycle
Low-cost IVF model in Sydney. Transparent fixed pricing. One of the most affordable options in NSW. Smaller clinic with limited add-on services.
View full pricing & details →Next Generation Fertility
Melbourne CBD (VIC)
$6,100
out-of-pocket/cycle
Newer Melbourne clinic with competitive pricing. Focus on evidence-based treatment without unnecessary add-ons. Transparent pricing published online.
View full pricing & details →Fertility Solutions
Sunshine Coast, Bundaberg (QLD)
$6,300
out-of-pocket/cycle
Only RTAC-accredited fertility clinic north of Brisbane. Serves Sunshine Coast, Wide Bay, and Central Queensland. Regional pricing lower than Brisbane. Essential for patients who cannot travel to Brisbane regularly.
View full pricing & details →Cheapest IVF by state
IVF costs vary significantly between states. Melbourne has the cheapest option nationally (Number 1 Fertility), while remote states like the NT have fewer options and higher costs. This table shows the lowest out-of-pocket IVF in each state or territory.
| State | Cheapest clinic | IVF OOP | FET OOP |
|---|---|---|---|
| New South Wales | Adora Fertility Sydney | $4,400 | $1,200 |
| Victoria | Number 1 Fertility East Melbourne | $600Bulk-billed | $400 |
| Queensland | Adora Fertility Brisbane, Gold Coast | $4,400 | $1,200 |
| South Australia | Adora Fertility Adelaide | $4,400 | $1,200 |
| Western Australia | Adora Fertility Perth | $4,400 | $1,200 |
| Tasmania | TasIVF Hobart | $7,100 | $1,600 |
| Australian Capital Territory | Adora Fertility Canberra | $4,400 | $1,200 |
| Northern Territory | Monash IVF Darwin | $7,200 | $1,650 |
OOP = out-of-pocket after Medicare rebate, before Safety Net. Excludes medications, anaesthetist, and hospital fees. Based on standard IVF cycle pricing from clinic fee schedules (April 2026).
How to reduce your IVF costs
Medicare Safety Net
After $2,544.30 in annual gap fees, Medicare pays 80% of further out-of-pocket costs. This makes your 2nd and 3rd cycles significantly cheaper. Register your family group with Medicare to combine thresholds.
PBS-subsidised medications
All standard IVF drugs are PBS-listed. General patients pay $158–$285 per cycle (5–9 scripts at $31.60). Concession card holders pay $39–$69. Without PBS, the same drugs cost $1,500–$3,000. See our medication cost guide.
Private health insurance timing
Hospital-level cover can save $1,000–$3,000 per cycle on hospital and anaesthetist fees. The 12-month waiting period means you need to plan ahead. Take out cover at least 12 months before starting IVF.
Public IVF pathway
Free IVF through public hospitals in NSW, VIC, and QLD (limited). Wait times are 6–24 months and eligibility criteria apply, but it's the lowest-cost option for those who qualify.
Cheapest isn't always best
Success rates matter as much as price. A cheaper clinic with lower success rates may end up costing more over multiple cycles. The most meaningful comparison is cost per live birth — the total you spend to actually take home a baby.
Cost per live birth comparison (under 35, illustrative)
| Clinic type | OOP/cycle | Live birth rate (<35) | Avg cycles needed | Est. cost per live birth |
|---|---|---|---|---|
| Bulk-billing (Number 1 Fertility) | $600 | 30% | ~3.3 | ~$2,000 |
| Low-cost (Adora, Primary IVF) | $4,500 | 30% | ~3.3 | ~$15,000 |
| Mid-range (City Fertility, Monash) | $7,000 | 34% | ~2.9 | ~$20,300 |
| Premium (Genea, Melbourne IVF) | $8,500 | 37% | ~2.7 | ~$23,000 |
Illustrative figures only. Success rates from ANZARD 2023 and clinic websites. Average cycles needed = 1 / live birth rate. Actual outcomes depend on individual factors (age, diagnosis, embryo quality). Cost per live birth excludes medications, storage, and add-ons.
For straightforward cases in younger patients, low-cost clinics offer excellent value. For complex cases (recurrent failure, advanced age, male factor), a clinic with higher success rates and more advanced services (PGT-A, time-lapse monitoring) may be worth the premium. Ask every clinic for their success rates for your age group and diagnosis, not just their headline numbers.
Public IVF (free but limited)
Public hospital IVF is the ultimate low-cost option — you pay nothing or a small medication gap. But availability is limited to certain states and eligibility criteria are strict.
New South Wales (NSW)
Public IVF available
6–18 months
typical wait
Hospitals
- Royal Hospital for Women (Randwick)
- Westmead Hospital
- Royal North Shore Hospital
Details
Cycles: Up to 3 funded cycles
Age limit: Generally under 42 years, varies by hospital
Cost: Free (public hospital) — small gap for some medications
NSW has the largest public IVF program in Australia. Wait times vary significantly between hospitals. Royal Hospital for Women has the shortest wait (~6 months). Westmead may be 12-18 months.
Victoria (VIC)
Public IVF available
6–12 months
typical wait
Hospitals
- Royal Women's Hospital (Melbourne)
- Monash Medical Centre
Details
Cycles: Up to 3 funded cycles
Age limit: Generally under 43 years
Cost: Free (public hospital) — some medication gap fees may apply
Victoria has a well-established public IVF program through the Royal Women's Hospital. Monash Medical Centre also offers public IVF. Wait times are moderate compared to other states.
Queensland (QLD)
Public IVF available
12–24 months
typical wait
Hospitals
- Royal Brisbane and Women's Hospital
Details
Cycles: Up to 2 funded cycles
Age limit: Generally under 40 years
Cost: Free (public hospital) — medication costs may apply
Queensland has limited public IVF access through Royal Brisbane and Women's Hospital. Long wait times. Many patients opt for private treatment due to limited availability. Regional QLD has no public IVF.
South Australia (SA)
Public IVF available
12–24 months
typical wait
Hospitals
- Flinders Medical Centre (limited)
Details
Cycles: Limited — typically 1-2 cycles
Age limit: Generally under 40 years
Cost: $500–1,000 gap fees may apply
SA has very limited public IVF. Flinders Medical Centre offers some public fertility services but capacity is constrained. Most SA patients use private clinics (Fertility SA, Flinders Fertility).
Western Australia (WA)
Public IVF available
12–24 months
typical wait
Hospitals
- King Edward Memorial Hospital (limited)
Details
Cycles: Very limited — typically 1 cycle
Age limit: Generally under 40 years
Cost: $500–1,500 gap fees may apply
WA has minimal public IVF access. King Edward Memorial Hospital offers limited fertility services. Most WA patients use private clinics (Fertility North, Concept Fertility, FSWA).
TAS, ACT, NT
No public IVF programs
Tasmania, the Australian Capital Territory, and the Northern Territory do not have public IVF programs. Patients in these states use private clinics (TasIVF, Canberra Fertility Centre, Repromed Darwin) with Medicare rebates.
Frequently asked questions
What is the cheapest IVF clinic in Australia?
Number 1 Fertility in Melbourne is Australia's cheapest IVF clinic. They bulk-bill IVF procedures through Medicare, reducing out-of-pocket costs to approximately $600 per cycle. They are RTAC-accredited and the only bulk-billing IVF clinic in the country.
Can you get bulk-billed IVF in Australia?
Yes, but only at one clinic. Number 1 Fertility in East Melbourne bulk-bills IVF procedures, meaning Medicare covers the full procedure fee with no gap. You still pay for medications (PBS-subsidised at $158–$285/cycle), anaesthetist fees, and any extras. Total out-of-pocket is approximately $600 per cycle.
How can I reduce my IVF costs?
Five main ways: (1) Choose a bulk-billing or low-cost clinic; (2) Maximise your Medicare Safety Net — after $2,544.30 in gap fees per year, you get 80% back on further gaps; (3) Use PBS-subsidised medications ($158–$285/cycle vs $1,500–$3,000 private); (4) Get hospital-level private health insurance (12-month waiting period) to reduce hospital fees; (5) Ask about access or fixed-fee IVF programs at clinics like Adora, City Fertility, or Monash IVF.
Is public IVF available in Australia?
Yes, but access is limited. NSW has the best public IVF programs (Royal Hospital for Women, Westmead, Royal North Shore) with 6-18 month waits. Victoria offers public IVF through the Royal Women's Hospital. Queensland has limited access through Royal Brisbane and Women's Hospital. Tasmania, the ACT, and the NT have no public IVF programs. Eligibility criteria include age limits, BMI requirements, and medical indication.
What is the cost per live birth for IVF?
The cheapest clinic is not always the best value. Cost per live birth accounts for success rates. A clinic charging $8,000/cycle with a 36% live birth rate costs ~$22,200 per live birth on average. A clinic charging $600/cycle with a 30% success rate costs ~$2,000 per live birth — still far cheaper even with a lower success rate. However, higher-cost clinics may offer better outcomes for complex cases.
Related guides
Sources & further reading
- ANZARD (Australian & New Zealand Assisted Reproduction Database) — National IVF success rates and cycle data
- RTAC Code of Practice for Assisted Reproductive Technology Units — Clinic accreditation standards
- Medicare Safety Net — Services Australia — Safety Net thresholds and eligibility
- PBS Schedule — Pharmaceutical Benefits Scheme — Subsidised IVF medication pricing
Prescription treatments require a valid Australian prescription from an AHPRA-registered practitioner. This site does not provide medical advice. Always consult a qualified healthcare professional before starting any treatment.