Ever wondered how Google makes its money? Well… You might have heard of Google Ads! Google runs on a PPC (pay per click) model where you pay only for traffic that comes to your site. But how do Google determine the cost per click (CPC) on specific keywords? Which are the most expensive keywords in Google Ads? How can you learn more about it? Can a digital marketing course help you learn about Ads? Which are the top digital marketing courses? Are you searching for the top 10 high CPC keywords in 2022? [i.e. high CPC AdSense paying keywords in 2022]? Are you aware that you can earn millions of dollars every month from your blog or website with just keywords chosen?Read this article as you are going to learn about high CPC Adsense keywords in 2022.


You may also have heard that Google Ads is a quick way to get Return On Investment (ROI) from search engine traffic. This is an appealing prospect, especially because Google runs on a PPC (pay per click) model where you only pay for traffic that actually makes it to your site. However, handing Google your money is a concerning prospect, especially if you’ve heard rumors that it can be cost-prohibitive if you’re bidding in a competitive space on some of the most expensive keywords.

The best thing you can do for your strategy is understand exactly how Google Ads determines cost per click (CPC) on specific keywords, what makes certain keywords more expensive, and how you can build your ad budget in a way that actually gives you ROI.

What are  Keywords or AdSense keywords?

Keywords are topics and ideas that define what your content is all about. In terms of SEO, they are the words and phrases that people searchers enter into search engines, also called “search queries” or “niche”

What is the importance of Keywords?

Is there any importance of choosing keywords for your blog post or article? Yes, there is. There is significant importance in choosing keywords.

Keywords are the linchpin between what people are searching for and the content you are providing to fill that need.

If you own a golf shop, for example, you might want to rank for “new clubs” — but if you’re not careful, you might end up attracting traffic that’s interested in finding a new place to dance after dark.

Keywords are as much about your audience as they are about your content because you might describe what you offer in a slightly different way than some people ask for it. To create content that ranks well organically and drives visitors to your site, you need to understand the needs of those visitors — the language they use and the type of content they seek.

You can do this by talking to your customers, frequenting forums and community groups, and doing your keyword research with a tool like Keyword Explorer.

Types of Keywords

There are two categories of keywords or AdSense keywords:

Long-tail keywords (phrase).

Long-tail keywords are also referred to as “phrasal keywords”. As the name “long-tail” implies, Long-tail keywords are the combination of specific words for search results.  Keywords can be broad and far-reaching (these are usually called “head keywords”), or they can be a more specific combination of several terms

Singular AdSense keywords.

On top of that strong competition, singular keywords can be infuriatingly vague. If someone is searching for a “dog,” you don’t know if they want a list of dog breeds, information about dog food, a place to buy a dog collar or just a site with cute photos of dogs.
Singular keywords might appear to be your ultimate goal as they often have a temptingly high search volume. However, they usually have extremely tough competition. You may want your boutique clothing store to rank for “clothes,” but it’s going to be tough to rank above Zappos and Nordstrom.

Importance of Long-tail keywords

Before talking about doing keyword research with tools like Semrush, Long Tail Pro, and Keyword Planner, I want to let you know about the importance of using long-tail keywords.

Whenever you want to find high-value keywords, you need to focus on using long-tail keywords with more than 3 to 4 keywords on them. That way you will increase your chances of getting more traffic and increasing your conversion rates.

Using keywords on your page

It’s no good just throwing AdSense keywords on your page. Creating compelling content is about providing real value for real people, not just sending hints to our robot friends at Google.

There are some basic AdSense keywords usage rules you should follow to get started. Unique keywords should be employed on each page of your site in the areas that bots and humans normally look to reassure them that you have what they’re after. This includes both the title tag and the body of your content, which leads to an important point: the pitfalls of clickbait. You may believe you’re enticing more clicks by offering tantalizingly vague titles for your content, but by disguising what the page is about, you’re opting out of some of the power of AdSense keywords.

Keyword Research Tools

Here are some popular keyword research tools that you can use to find keywords and to estimate CPC for the keywords you want to target.

  1. Google Keywords Planner

  2. Ahrefs

  3. SEMrush

  4. KeywordTool.io

  5. Moz Keyword Explorer

Getting CPC costs for your target keywords will help you in setting up your Ads campaign. The next thing you will have to do is determine the budget you will need to achieve your goals with the campaign. Once you have a solid keyword strategy and high-quality ads, you can win ad placements even over those that are spending more on Google Ads than you are.

Why do these high CPC Adsense keywords pay so much?

Because the companies behind the ads have a high customer value and can afford to spend a few hundred bucks to acquire a customer. It all boils down to their business economics.

So, how can you profit from this data and rake in thousands of dollars each month?

Let’s run through a hypothetical example.

You notice that insurance related blogs will carry a high CPC.

You then research a few keywords and find that “car  insurance companies” pays decently well.

You get to writing the best article you can on car insurance companies

With an amazing on-page SEO, you are able to get your blog post high on google rankings,

Which Adsense ads pay the most?

In addition to picking the best niche for adsense, you also have options as to which ad type to show.

The options are:

1) text & display

2) matched content

3) in-feed and

4) in-article.

The in-article ads will naturally blend with your content and display midway through your blog post. I like these types of ads because they are contextual and usually receive a good amount of clicks.

Sidebar ads are not as good since we are already trained to tune them out.

You can also try Matched Content if you have another content you’d like to promote.

The Most Expensive High CPC AdSense Keywords

While the minimum bid per keyword is 5 cents in AdWords, the high cost keywords listed above are nowhere near that. Google can make up to $50 per click from the most expensive PPC keywords. Keyword advertising is a highly lucrative business for Google. Learn more about the costs of AdWords here.

The most expensive niche groups paying for the most costly keywords are industries with very high lifetime customer value; the most costly AdWords keywords exist in industries where the customer pay-off is considerably high. Ultimately, the amount of money insurance companies get from an individual signing up for insurance with them makes high cost per click rates worth the investment, even at $54 a click.

Top 10 Most Expensive High CPC Google AdSense Keywords

The Top 10 Most Expensive Keywords are:

  1. Insurance

  2. Loans

  3. Mortgage

  4. Attorney

  5. Credit

  6. Lawyer

  7. Donate

  8. Degree

  9. Hosting

  10. Claim

You’ll notice that these top ten most expensive AdWords keywords deal primarily with financing and industries that manage vast sums of money. The fact that the educational keyword “degree” is one of the top ten most expensive Google keywords, right up with lawyers and credit, reminds us of the growing cost of education.

The next ten most expensive keywords complete our total list, resulting the top 20 most expensive keywords:

  1. Conference Call

  2. Trading

  3. Software

  4. Recovery

  5. Transfer

  6. Gas/Electricity

  7. Classes

  8. Rehab

  9. Treatment

  10. Cord Blood

There you have it – the highest cost keywords. If you are considering entering into one of these industries, be ready to pay high cost per click rates for the top keywords. While some may start treatment facilities for the greater good, be aware that you’ll wind up in one of the most expensive niche groups, and your paid search marketing wallet will suffer from those high CPCs.

The most expensive SEM keywords may be frustrating for those in the industries, but they are the best keywords for Google, who makes 97% of revenue from advertising on Google sites (AdWords, AdSense). In the last four quarters, the biggest player of search engine history brought in $32.2 billion in total advertising revenue.

Most Expensive High CPC Keywords by Industry

While it’s difficult to quantify the most expensive keywords on Google because of the sheer amount of data that changes daily, we’ve broken down the most expensive keywords for some of the most common industries:


Top CPC: $1090.00
Average CPC: $6.75

The legal industry has some of the highest CPCs in this article, primarily due to the high amount of competition they’re up against and the higher ticket service cost. For this industry, we looked at keywords relating to “lawyer,” “attorney,” “legal services,” and a few other related keywords. Here are the ones that topped the list:

offshore accident lawyer$815.00
best motorcycle accident lawyer$770.00
18 wheeler accident lawyer san antonio$670.00
scranton personal injury lawyer$560.00
truck accident attorney dallas$515.00
houston trucking accident attorney$500.00


Top CPC: $90.00
Average CPC: $2.62

What’s curious about this is that we targeted keywords around the top most common types of doctors, yet it was still urgent care and detox programs that dominated the highest costs per click.

hospital alcohol detox$65.00
dermatological problem$65.00
fort lauderdale hospital detox$65.00
transporter hospital$60.00
children’s hospital emergency room near me$60.00
kensington hospital detox$60.00

Marketing & Advertising

Top CPC: $165.00
Average CPC: $3.33

Marketing professionals in this space presumably know advertising tricks to help keep costs down, but this industry is also more likely to put value in Google Ads. That’s why the average CPC is relatively reasonable compared to these top CPC keywords:

call tracking marketing$125.00
marketing your law firm$120.00
seo and social media marketing services$115.00
affiliate marketing software free$110.00
law firm marketing los angeles$100.00

Business Software

Top CPC: $95.00
Average CPC: $3.80

For this category, we didn’t want to include “SAAS” since that would not be a keyword a consumer would use to find the software of their choice. Instead, we used aggregate keywords around “business software” to see what the most expensive CPCs would be: 

top 10 help desk software$95.00
help desk software for small business$90.00
small business call center software$85.00
accounting online program$70.00

Real Estate

Top CPC: $95.00
Average CPC: $2.37

Curiously, despite pooling all keywords related to “real estate agent” and “REALTOR” along with the other service-based keywords, it was the descriptive keywords using “fast” or “with cash” that seemed to outpace all others when it came to cost per click.

sell my house fast phoenix$70.00
sell my house fast austin$65.00
sell my house fast san diego$65.00
selling a house as is by owner$60.00
teacher home buying programs texas$60.00

Home Improvement Services

Top CPC: $320.00

Average CPC: $6.40

The home improvement industry is a large one, but we focused primarily on services such as HVAC, plumbing, and restoration and renovation. It seemed as though air conditioning and water damage seemed to be the ones with the dominant CPC in this group:

emergency flood repair$265.00
flood restoration san diego$210.00
air conditioning repair weatherford tx$210.00
best ac repair phoenix$185.00
air conditioning repair boca raton$150.00


Top CPC: $50.00
Average CPC: $2.46

For this industry, we decided to pull keywords relating to “auto repair,” “auto body,” and “dent removal,” taking care to remove any insurance or car accident litigation keywords. You’ll notice that lower ticket items such as oil changes and tire services are not present on this list. We can reasonably assume that advertisers in this category want to put their advertising dollars toward higher ticket items:

paintless dent repair denver colorado$45.00
abs unlimited auto repair$45.00
paintless dent repair mn$40.00
denver auto hail repair$35.00
change oil light$35.00


Top CPC: $280.00
Average CPC: $3.44

Car insurance completely dominated the insurance industry:

oklahoma auto insurance quotes$210.00
insurance companies okc$185.00
cheapest auto insurance reddit$170.00
insurance strategy$160.00
texas auto insurance quotes online$155.00

Loans & Finance

Top CPC: $320.00
Average CPC: $3.44 

In the finance space, we compiled keywords relating to banking, credit, debt, loans, mortgages, and more. The common theme among the high-CPC keywords was debt relief or loan acquisition (VA loans being especially popular):

va loan multi family$190.00
tax credit for college students$135.00
va loan after chapter 7$130.00
how to get preapproved for a va home loan$125.00
structured settlement loan$105.00


Top CPC: $140.00
Average CPC: $2.40 

It’s clear that online learning overtook the list of high-CPC keywords. This is likely due to smaller ticket educational items such as certifications, courses, and training not providing high enough ROI to justify such high costs per click.

online accredited psychology degree$135.00
online degree in educational psychology$135.00
online business degree florida$135.00
online university college$125.00

Summary of high CPC Keywords by Ahrefs

The list of highest CPC keywords was determined from approximately 10,000 related keywords per industry. This information was accessed from Ahrefs and compiled on April 3, 2020 and should be used only for editorial purposes as there are many more keywords out there, CPC is subject to change with current industry and economic conditions, and keyword tools will provide differing data. Be sure to perform your own keyword research before making advertising decisions.

The average CPC per industry is unable to be determined from small datasets, so we pulled this information from WordStream’s keyword benchmarking report. 

Didn’t see your industry represented? Follow the steps below to find the keyword costs for your most relevant keywords.

How Do I Find Out How Much a Keyword Costs?

Thankfully, not everything on the Google Ads platform is so expensive. In fact, WordStream estimates that the average CPC on Google is between $1 and $2. 

With CPCs like that, you might be ready to:

Decide if Google Ads is right for your business

Find out the true cost of your most desired keywords

Estimate the budget that it will take to power your lead generation engine

Pro tip: Use Auto Ads by Google

Adsense Auto Ads take advantage of machine learning and place themselves automatically on your site where Google thinks they will perform well.

Google has been testing the Auto Ads feature as a beta since September of 2017 and recently (early March) released this feature to everyone.

Since Google has millions (if not billions) of sites to test, they will most likely be better than you or me when figuring out the right type and placement of the ads.

The only downside of this is that you won’t have much control of how many ads are shown or where they are placed, which if you are picky, might annoy you.

Bonus Keyword Industries/Niches

Here are other high paying keywords that you can target in your blog posts

  1. Treatment $41 CPC

  2. Software $39 CPC

  3. Classes $36 CPC

  4. Recovery $34 CPC

  5. Trading $33 CPC

  6. Rehab $33 CPC

  7. Hosting $31 CPC

  8. Transfer $29 CPC

  9. Cord Blood $27 CPC

  10. Claim $25 CPC


Hope this article will help you get started with Google Ads. But before you begin your Ads journey, it is better to educate yourself with an online course.

If you are a beginner and are interested in starting a digital marketing career, then a digital marketing course can teach you about various digital marketing channels, strategies, and related practices to help you channelize and optimize your digital marketing Google campaigns. Digital marketing courses can also help you learn about Google’s Ads and how to drive consistent and high-quality traffic to your site. Enroll in a digital marketing course today and take your career to the next level.


Alejandro Rioja

Gh Kabutey is a content writer, video editor and social media marketer. I promote in a new and holistic manner, Ghanaian culture [music, dance, people], news, and trends. I am a biochemist by profession.

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