There is no such thing as “the” F45 price. F45 Training Incorporated’s 2026 franchise disclosure document, registered with the Wisconsin Department of Financial Institutions on April 2, 2026, tells franchisees flatly that they may charge membership fees in amounts they determine, while the franchisor reserves the right to set maximums and minimums. F45’s own FAQ page says the same thing in consumer language and tells you to call your local studio.
That makes national averages close to useless, so we read the published product pricing on eleven F45 studio pages covering seven metros in six states on September 5, 2026, then read all eleven a second time with a different client to confirm the numbers were stable. They were. What follows is what four of those studios actually charge, plus what the franchise filing says about the money moving through an average studio.
What Does F45 Cost Without Insurance?
| Studio (prices read September 5, 2026) | Unlimited, month to month | Unlimited, committed term | 4 classes/mo | Drop-in | Intro trial |
|---|---|---|---|---|---|
| Central Houston, TX | $214.50 | $199.33 (6-month) | not offered | $30 | Free, 3 days |
| Alpharetta, GA | $216.67 | $195.00 (3-month) | $99 | $35 | $20, 5 days |
| Kirkland, WA | $286.00 | $259.00 (3-month) | $99 | $40 | $25, 5 days |
| Boerum Hill, Brooklyn, NY | $429.00 | $342.33 (6-month) | $321 for 8/mo | $49 | $49, 7 days |
Two things about those monthly figures. First, F45 studios rarely bill monthly. Kirkland bills weekly, Boerum Hill, Alpharetta and Central Houston bill every two weeks, and other studios we read bill every four weeks. We converted everything to a true monthly figure using 52 weekly or 26 biweekly payments a year.
Second, that conversion is confirmed by the studios’ own math. Boerum Hill lists an unlimited three-month membership at $178 biweekly and separately sells a “3 Month Pass” at $1,157. Twenty-six biweekly payments of $178 divided by twelve is $385.67 a month, and three months of that is exactly $1,157. Biweekly means every two weeks, not twice a month, and the difference is about 8% a year.
The full eleven-studio spread was wider than the table above. The cheapest unlimited month-to-month rate we found was $214.50 in Central Houston and the most expensive was $429.00 in Boerum Hill, almost exactly two to one for the same product.
What the franchise filing shows about an average studio
The 2026 F45 filing discloses gross sales for 676 franchised studios open the full twelve months ended February 28, 2026. Average annual gross sales were $480,832 and the median was $429,222, which works out to $40,069 in average monthly gross sales per studio and a $35,769 median. The top third of studios averaged $724,472 a year; the bottom third averaged $281,691.
The filing counts 698 franchised F45 studios in the United States as of February 28, 2026, and shows the U.S. franchised count falling from 789 at the end of 2023 to 751 at the end of 2024 to 707 at the end of 2025. A shrinking studio count matters to a buyer for one practical reason: the FAQ states that if your studio closes, your membership is automatically cancelled, and F45 memberships are generally tied to the single studio where you signed up.
What Drives the Price
Which studio you walk into
This is the single biggest factor, bigger than tier. Boerum Hill’s unlimited rate is double Central Houston’s, and Boerum Hill’s ten-class pack is $419 against $250 in Houston. If two studios are within reach of your commute, price both before you sign, because F45 memberships do not transfer between studios.
The billing cadence
A studio quoting “$66 a week” (Kirkland) and a studio quoting “$100 every two weeks” (Alpharetta) sound similar and are not. Kirkland is $286 a month and Alpharetta is $216.67. Always ask for the annual total, not the payment amount.
Classes per month versus unlimited
The limited tiers are the cheap way in. Alpharetta and Kirkland both sell four classes a month for $99, which is $24.75 a class against drop-in rates of $35 and $40. Boerum Hill’s cheapest membership is eight classes a month at $321, or $40.13 a class, which is the same as its drop-in rate. Unused classes do not roll over the way a class pack does.
Contract term
Every studio we read discounted a commitment. Alpharetta drops from $216.67 to $195.00 a month on a three-month term, Central Houston from $214.50 to $199.33 on six months, Kirkland from $286.00 to $259.00 on three months, and Boerum Hill from $429.00 to $342.33 on six months. Brooklyn’s term discount is the largest in absolute dollars, worth about $1,040 over a year.
Gear, which is a studio decision at F45
Unlike Orangetheory, F45 does not force a hardware purchase on you at the corporate level. The franchise filing shows studios buying LionHeart heart rate monitors from the franchisor at $54 each (contractually up to $100), with 100 monitors a year required, “for the purposes of resale or to supply to members.” None of the four studios above listed a monitor as a required purchase in their published product lists. Ask your studio whether monitors are loaned or sold, and at what price, before you assume either.
Cash Price vs. Insurance
There is no insurance rate for a fitness studio and no cash discount to negotiate off a published tier. The question that actually matters is whether pre-tax dollars can touch it, and for general fitness the answer is usually no.
IRS Publication 502 is direct: you cannot include membership dues in a gym, health club, or spa as medical expenses, though you can include separate fees charged there for weight loss activities if the weight loss treats a specific disease diagnosed by a physician. Health club dues appear in the publication’s list of expenses that are not includible. That means an HSA or FSA will not cover F45 dues without a Letter of Medical Necessity from a physician, and even then your plan administrator makes the call.
Employer wellness stipends and insurer fitness benefits are a different and better path. Many Medicare Advantage plans and some commercial plans include a fitness benefit, and some cover boutique studios through a network rather than reimbursing you directly. Check whether your plan’s fitness network includes your specific F45 studio before you sign, because participation is decided studio by studio just like pricing. Our gym membership cost guide covers what those benefits typically do and do not include.
How to Pay Less
Price the four-class tier against your real attendance. At $99 for four classes, Alpharetta’s unlimited membership only wins above roughly nine classes a month, and Kirkland’s only wins above about twelve. Below three visits a week, the limited tier or a class pack is the cheaper honest purchase.
Buy the biggest pack you will genuinely finish. Alpharetta sells ten classes for $325 ($32.50 each), twenty for $499 ($24.95) and thirty for $599 ($19.97). The thirty-pack is 39% cheaper per class than the ten-pack. A pack you abandon, though, is worse than any membership, so size it to a realistic year.
Use the intro offer, and use it at two studios. Central Houston’s three-day trial is free and Alpharetta’s five days is $20. Since studios in the same region can differ by $200 a month on the same product, trialing two is worth real money. Trials are limited to first-time local visitors, so bring ID.
Take the term discount only if you are certain. Committing saves $15 to $87 a month at the studios above. It also removes your exit. F45 tells members to contact their studio to cancel, and terms live in the agreement you sign locally, so read the notice period and any early-termination fee before you trade flexibility for a discount.
Get the all-in annual number in writing. Ask for dues times twelve, plus any joining fee, plus any monitor or gear charge, as one figure, then sanity-check it against local rates with our fair price checker. If a charge keeps hitting your card after you cancel, our guide to negotiating a bill covers documenting and escalating a disputed recurring charge.
If the budget is the real constraint, change the category. Community rec centers and YMCA memberships price on income rather than list price, the same way free and sliding-scale clinics do. A $429 Brooklyn membership is $5,148 a year, and that is a genuine budget line, not a rounding error.
The Bottom Line
A realistic first year is $1,188 on Alpharetta’s four-class tier, about $2,392 on Central Houston’s committed unlimited rate, and $5,148 on Boerum Hill’s unlimited month-to-month rate. The middle of the market, an unlimited membership on a short term outside a high-cost metro, lands close to $2,400 a year.
Against the rest of the category, F45’s unlimited tier sits above Orangetheory at most studios and well above a standard gym membership, which is the trade you are making for coached, timed, 45-minute group sessions. If childcare is part of what you need, Burn Boot Camp bundles complimentary Childwatch that F45 does not offer, and if what you actually want is individual coaching, compare a handful of sessions with a personal trainer before committing to a year of group classes.