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  <!-- Core pages -->
  <url>
    <loc>https://fertilitycostguide.com/</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/ivf-cost-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/egg-freezing-cost-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/surrogacy-cost-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/iui-cost-calculator</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/egg-donation-cost-calculator</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/why-is-ivf-so-expensive</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/egg-freezing-cost-guide</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/egg-donor-compensation</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/surrogacy-compensation</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/ivf-cost-by-state</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/fertility-financing</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/ivf-insurance-coverage</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/ivf-medication-cost</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/methodology</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/privacy-policy</loc>
    <lastmod>2026-04-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/terms</loc>
    <lastmod>2026-04-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- State guides — all 50 states -->
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-alabama</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-alaska</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-arizona</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-arkansas</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-california</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-colorado</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-connecticut</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-delaware</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-florida</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-georgia</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-hawaii</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-idaho</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-illinois</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-indiana</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-iowa</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-kansas</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-kentucky</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-louisiana</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-maine</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-maryland</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-massachusetts</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-michigan</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-minnesota</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-mississippi</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-missouri</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-montana</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-nebraska</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-nevada</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-new-hampshire</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-new-jersey</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-new-mexico</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-new-york</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-north-carolina</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-north-dakota</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-ohio</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-oklahoma</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-oregon</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-pennsylvania</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-rhode-island</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-south-carolina</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-south-dakota</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-tennessee</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-texas</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-utah</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-vermont</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-virginia</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-washington</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-west-virginia</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-wisconsin</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fertilitycostguide.com/guides/ivf-cost-wyoming</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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