Understanding the Cost of Couples Therapy in California
Investing in couples therapy is one of the most powerful things you can do for your relationship. But let’s be honest—therapy isn’t cheap. In Southern California—especially in areas like Menifee, Murrieta, Temecula, and the surrounding Inland Empire—therapy rates vary widely.
Some therapists charge as little as $125/session, while others (particularly those with advanced training in couples work) charge $200 or more. I’m a Licensed Marriage & Family Therapist who specializes in couples therapy, sex addiction recovery, and betrayal trauma. I’ve invested in advanced training like the Gottman Method and Relational Life Therapy to offer couples deep, effective care—often in fewer sessions than general talk therapy.
It’s important to understand the factors that influence cost so you can make wise, informed decisions about your relationship and your budget. Let’s explore some of those factors.
What Affects the Cost of Couples Therapy?
1. Therapist’s Qualifications
Therapists with advanced training—such as in the Gottman Method, Emotionally Focused Therapy (EFT), or Relational Life Therapy (RLT)—often charge more, and with good reason. Their expertise can lead to faster, more effective results. While newer therapists or platforms like BetterHelp may offer lower rates, you may need more sessions to make progress, which can cost more in the long run (financially AND relationally).
2. Location
In major cities, therapy rates are generally higher than in smaller towns. In private practices across the Temecula Valley and much of Southern California, individual therapy often ranges from $150–$200 per session.
Couples therapy tends to cost more because it requires not only managing two clients in real time, but also mastering a different therapeutic skillset altogether. Many therapists in our region don’t offer couples therapy at all because it’s complex and emotionally demanding.
“I’ve chosen to specialize in this work because I believe healthy marriages are the foundation of healthy families (and a healthy society). My sessions include practical skills, research-backed interventions, and a strong structure to help you make real progress—not just vent.”
3. Session Length & Frequency
Therapy sessions can range from 45 to 90 minutes. Longer sessions typically cost more, and weekly sessions are often recommended in the beginning to build momentum. I usually suggest couples start with 12 weekly sessions before tapering down. Alternatively, some couples choose to do an intensive (3-4 hour sessions spanning 3-4 days). It’s an upfront investment, but can offer a big jumpstart for couples facing a crisis.
What’s the Average Cost?
Here’s a general range to expect:
In-Person or Online Sessions: $100–$450 per session (quite the spread, I know!)
Sliding Scale Rates: Some therapists adjust fees based on income (as low as $50 in some cases)
Intensives or Workshops: Higher upfront cost, but often a more focused path to healing
Additional Costs to Keep in Mind
Initial Consultations: Some therapists charge for a first-time assessment
Assessments or Tools: For example, the Gottman Relationship Checkup starts at $39, not including time for therapist review. I choose to include both the assessment and review as part of my regular fee.
Workshops or Intensives: These can range from a few hundred to several thousand dollars depending on length and depth
Non-clinical costs: travel to therapist’s office (mileage and time commitment) and babysitters for younger children are also important to consider
Insurance and Payment Options
1. Insurance
Some plans cover couples therapy, but it’s often complicated. Coverage often requires a mental health diagnosis for one partner, and insurers may review your clinical records. If privacy matters to you, paying out of pocket may be the better route.
Many private practice therapists (myself included), are out-of-network providers. This allows us to tailor treatment to your relationship’s needs without limitations set by insurance companies.
2. FSA/HSA Accounts
Many couples use pre-tax dollars from a Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for therapy. Just be sure to request a receipt or superbill from your therapist. It must include both the CPT code and a diagnostic code in order to be considered for reimbursement.
3. Payment Plans
Ask your therapist if they offer payment plans or packages. Some do, especially for longer-term work or intensives.
Tips for Budgeting for Couples Therapy
Evaluate the Cost of Doing Nothing: Sometimes the biggest expense is staying stuck. Therapy may be a short-term cost with long-term gains for your relationship, family, and emotional health.
Budget for Connection: Consider setting aside a monthly amount just for relationship care—just like you would for groceries or gas.
Explore Flexible Options: Look for therapists with sliding scale rates or consider starting bi-weekly if weekly isn’t feasible right away.
Final Thoughts
Couples therapy is more than an expense—it’s an investment in your future. With the right support, you can move from surviving to thriving together. Whether you're navigating betrayal, rebuilding trust, or simply feeling disconnected, help is available—and worth every penny.
If you’re in California and wondering whether couples therapy is right for you, I’d love to help you explore it. I offer online sessions across the state, including locally in Menifee, Murrieta and Temecula. I’m happy to answer any questions about the process or cost.
Schedule a free consultation to see if this might be the support your relationship needs.
