Her husband, Doug, refused to consider her pleas to stop pursuing costly therapies. But she knew that after she died, which she did on Sept. 29, there was one way she could keep from adding to the $200,000 in medical debt she would leave behind. Like a growing proportion of Americans, she said she wanted her body to be cremated.

“We did everything we could to cut down other costs, and one of the things Toni said was, ‘Let’s find out how much it costs to be cremated,’ ” Mr. Kelly said. “If there was a way we could save even $500 or $1,000, it didn’t make a difference. Her major thing was not ruining the family.”

All but taboo in the United States 50 years ago, cremation is now chosen over burial in 41 percent of American deaths, up from 15 percent in 1985, according to the Cremation Association of North America. Economics is clearly one of the factors driving that change.

The percentage of bodies that are cremated has risen steadily for years, for reasons ranging from spiritual to environmental. But a recent study shows that the increase has accelerated during the downturn, and many funeral home directors say they believe the economy is leading people to look for less expensive options.

The disposition of Ms. Kelly’s remains cost about $1,600, and that total included a death notice, a death certificate and an urn bought online. It was a fraction of the $10,000 to $16,000 that is typically spent on a traditional funeral and burial.

Family and friends remembered Ms. Kelly, a 54-year-old artist, at a simple memorial service at the golf course in Virginia Beach where Mr. Kelly works as an assistant pro and where she liked to walk their dogs. It was the first cremation on her side of the family, Mr. Kelly said.

“Neither one of us felt that the body itself was really all that important,” said Mr. Kelly, who raised two sons with his wife during their 28-year marriage. “We had no interest in being put in the ground, no need for a memorial for the whole world to see. Her concern was the financial devastation she was bringing to the family.”

Many others share that concern, according to a national telephone survey of 858 adults conducted last year by the Funeral and Memorial Information Council. It found that one-third of those who chose cremation in 2010 said cost was a primary factor, up from 19 percent in 1990.

With the cremation rate rising one-third faster than at the middle of the last decade, the cremation association projects it will pass 50 percent by 2017 (still lagging behind Canada and much of Europe and Asia). Although state cremation rates vary widely, from 13 percent in Mississippi to 73 percent in Nevada, every state has experienced an increase since 2005.

Until recently, said Michael W. Nicodemus, president of the cremation association, concerns about cost rarely entered into his discussions about cremation with families at the Hollomon-Brown funeral homes in Virginia’s Tidewater region, where he is a vice president. The rationale for cremation in the past was more typically that the family plot had become anachronistic in today’s transient society and that cremation afforded relatives and friends more time to gather from afar for a memorial service.

Today, he said, nearly half of his consultations eventually turn to worries about money, and the cremation rate at the company’s nine funeral homes has risen to 55 percent, up from 35 percent six years ago.

“People have lost money in the markets,” Mr. Nicodemus said. “Their retirements aren’t what they used to be. A lot are living off Social Security.” Some families, he said, have reversed burial plans because life insurance has lapsed or savings have been drained by uninsured medical expenses.

“We had six families to see yesterday, and all six were cremations,” Mr. Nicodemus said. “That tells me something.”

African-Americans, steeped in the traditions of open-casket funerals and rousing eulogies, remain the most resistant to cremation, according to surveys. But in the Virginia Tidewater, as elsewhere, even that cultural wall is crumbling.

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