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Deadly dozen: These 12 locales are the most expensive places to die

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Dodging the federal estate tax doesn't mean your wealth will pass intact.

A little more than two-thirds of Americans expect to leave at least some of their wealth on to the next generation, according to a 2015 HSBC report, while 9 percent say they are saving as much as possible for their heirs.

In 2016, up to $5.45 million in assets per person are exempt under the federal estate tax. But depending on where you live, your wealth might still be subject to state or local estate and inheritance taxes — which often have much lower thresholds. High funeral costs could further eat into what you leave your heirs.

Based on tax data from the Tax Foundation and average funeral pricing from comparison site Parting.com, these states and the District of Columbia may be among the most expensive places to die.

— By CNBC's Kelli B. Grant
Posted 2 Sep. 2016


New Jersey

Trenton, New Jersey
Denis Tangney Jr. | Getty Images

State estate tax exemption level: $675,000

State estate tax rates: 0.8 to 16 percent


Inheritance tax: Zero to 16 percent, depending on amount and relationship to the deceased


Average traditional funeral cost: $7,123

Average direct cremation cost: $2,346

Oregon

Portland, Oregon
David Gn Photography | Getty Images

State estate tax exemption level: $1 million

State estate tax rates: 10 to 16 percent


Average traditional funeral cost: $5,758

Average direct cremation cost: $1,467

Massachusetts

Boston, Massachusetts
Mare Magnum | Getty Images

State estate tax exemption level: $1 million

State estate tax rates: 0.8 to 16 percent


Average traditional funeral cost: $7,233

Average direct cremation cost: $2,455


District of Columbia

Washington D.C.
Jess Escribano | EyeEm | Getty Images

Estate tax exemption level: $1 million

Estate tax rates: 0.8 to 16 percent


Average traditional funeral cost: $6,427

Average direct cremation cost: $2,336


Rhode Island

Providence, Rhode Island
Jeff Greenberg | UIG | Getty Images

State estate tax exemption level: $1.5 million

State estate tax rates: 0.8 to 16 percent


Average traditional funeral cost: $7,173

Average direct cremation cost: $2,484

Minnesota

Minneapolis, Minnesota
Henryk Sadura | Getty Images

State estate tax exemption level: $1.6 million

State estate tax rates: 9 to 16 percent


Average traditional funeral cost: $7,501

Average direct cremation cost: $2,858

Maryland

Baltimore, Maryland
Richard T. Nowitz | Getty Images

State estate tax exemption level: $2 million

State estate tax rates: 16 percent


Inheritance tax: Zero to 10 percent, depending on amount and relationship to the deceased


Average traditional funeral cost: $7,009

Average direct cremation cost: $2,333

Connecticut

Hartford, Connecticut
Enzo Figueres | Getty Images

State estate tax exemption level: $2 million

State estate tax rates: 7.2 to 12 percent


Average traditional funeral cost: $7,173

Average direct cremation cost: $3,005

Washington state

Olympia, Washington
Brian W. Downs | Getty Images

State estate tax exemption level: $2.078 million

State estate tax rates: 10 to 20 percent


Average traditional funeral cost: $5,917

Average direct cremation cost: $1,442

Vermont

Vermont was one of the first to get the ball rolling last year with its Remote Worker Grant Program, offering individuals up to $10,000 over two years to move to the Green Mountain State.
Glenn Van Der Knijff | Getty Images

State estate tax exemption level: $2.75 million

State estate tax rates: 0.8 to 16 percent


Average traditional funeral cost: $6,470

Average direct cremation cost: $2,094

New York

New York, New York
Alexander Spatari | Getty Images

State estate tax exemption level: $3.125 million

State estate tax rates: 3.06 to 16 percent


Average traditional funeral cost: $6,402

Average direct cremation cost: $1,892

Illinois

Chicago, Illinois
Joe Daniel Price | Getty Images

State estate tax exemption level: $4 million

State estate tax rates: 0.8 to 16 percent


Average traditional funeral cost: $6,942

Average direct cremation cost: $2,301