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The notion of adopting a child truly tugs at our heartstrings, but let’s keep it real: the twist and turns that precede a successful adoption can be a nightmare! And to top it all off, your bank account will look damn-near empty after the process.
“I would like to adopt, but can’t afford the agency fees. It’s soooooo expensive.” a MadameNoire reader recently commented
. She’s right. Between the legal fees, medical costs, travel expenses and possible failed adoption matches, this method of bringing a child into your family costs Americans between $10,000 to $40,000!
But compare that to the average cost of a natural birth — $30,000 — and it isn’t too
Now since there are several different methods to acquiring an adopted bundle of joy, let’s break down the numbers for each, shall we?
Maybe you’ll want to extend your motherly love to a precious child overseas? The latest figures
show international adoption has plummeted to only 20,000 children from 45,000 in 2004. Despite the drop, international adoption costs have climbed — adoptive parents have put down as much as $50,000!
The price tag varies depending on which country you choose. One adoption agency — Bethany Christian Services
— give us a pretty good picture of how much you’ll spend for international adoption. Taking in a Haitian child, for instance, will set you back between $35,149 and $42,129. What does this include?
Agency fees (paid to the social workers, the home study fees, and more) – $ 12,950
Country fees (funds the nation’s orphanage system) — between $13,810 and $ 14,650
“Third-party fees” (whatever that is) $ 2,864 — $ 3,404
Travel fees (don’t forget important documents like medical exams, proof of marriage, financial statements
etc.) — $ 4,825 — $ 10,125
Post-adoption fees (agency needs to keep an eye on you as a caregiver) – $ 700 — $ 1,000
The great thing about adopting internationally is that you don’t have to cover an expectant mother’s expenses or worry about her changing her mind. The downside? All that travelling can be a pain in the rear; be willing to visit the host country twice
. Also, tough luck if you want a newborn! In most countries, children are orphaned and older before they’re permitted to be sent overseas, GlobalPost
For a newborn, perhaps you’ll consider domestic adoption?
Newborn American baby? That’ll be $33,793
, please! This average figure can climb or drop even depending on the child’s race. According to NPR
, a Caucasian baby costs $35,000, a bi-racial baby costs between $24,000 and $26,000 and a Black baby can cost about $18,000. But where, according to Adoptive Families
, does all the money go?
Home study Fee (agency determines if you’re fit for parenthood through interviews, background checks and references) – $1,912
Agency application & program fee (y’know, adoption centers got bills to pay & profits to make) – $14,161
Attorney fees (with all the legal mumbo jumbo, you might need one) – $3,548
Document preparation/Authorization – $1,114
Advertising (agencies need to retain their relationships with hospitals/clinics to find mothers willing to give up their child) – $2,017
Birth family counseling (sometimes offered to birth mothers for free
, at your expense) – $1,085
Birth mother expenses (OB-Gyn, hospital stay, etc. One article calls this expense a “fraud” because taxpayers pay this fee, not you
) – $3,076
Travel expenses (varies depending how far or near the birth mother is) – $2,198
All other expenses – $4,682
Whew! That’s a lot, but the good thing is that there’s a shorter wait time compared to international adoption and certainly less traveling. However, adoptive parents run the risk of the dreaded “false start” — expectant mothers fall in love with their baby and refuse to give it up. Thirty-five percent
of adoptive parents have experienced this and lose out on an average of $5,000.
If you’re willing to forgo the fantasy of raising a child from birth, adopting from a foster home is the cheapest option — a relatively low price tag of only $2,744. As reported by Adoptive Families,
let me give you a full picture of the expenses:
Home study fee – $231
Attorney fees – $1,573
Travel expenses – $342
Other expenses – $598
You pay absolutely nothing for agency fees, document preparation, advertising, and birth mother expenses. In fact, foster homes will give you a monthly stipend for food, medical insurance, school supplies, and clothes. On average, adoptive parents receive $607 a month. The downside is that many of the toddlers have developmental delays. “There’s usually a long line of potential parents waiting for an infant in good health,” ABC News
For women who cannot or choose not to give birth to children, another woman can carry and delivery the baby for them, which is what Melissa Harris-Perry
did to add a baby girl to her family. If you thought domestic and international adoption was expensive, you’ll be shocked to hear that gestational surrogacy costs a whopping $80,000 to $100,000! Where did we come up with that number? Here’s the breakdown
In vitro fertilization transfer fee - $1,000
Pregnancy allowance (8 months at $200 per month) - $1,600
Maternity clothing allowance – $500
Life insurance – $500-$600
Health insurance - $1,000 – $25,000
Meeting allowance (5 meetings at $100 per meeting) - $500
Childcare - $1,200
Housekeeping - $400
Surrogate’s lost wages -$2,500
Travel to IVF doctor -$1,000
Program fee – $22,500
Attorney/court fees – $10,250 – $16,760
If you can supply your own egg, a baby of your own genetic line will be born. The downsides are obviously the costs and the surrogate can, again, change her mind and keep the baby
Parents who choose any of these methods must be prepared mentally for the unforeseen circumstances can take you on an emotional roller coaster as well as the fiscal challenges that come up.
But you know what? It’s all worth it in the end when you have your new angel-faced tyke to call your “son” or “daughter.”