How much an adoption costs and 4 ways to pay for it
Key takeaways
- The cost of adoption ranges from $2,800 to $60,000, depending on the type of adoption you choose.
- Many private organizations offer grants you can use to offset adoption costs.
- States also offer adoption assistance programs that can provide monthly subsidies to help make adoption more affordable.
Expanding your family can be an exciting adventure, but one that can come with a hefty price tag. The Child Welfare Information Gateway estimates that adoption costs can set you back by as much as $60,000. This may explain why out of the 37 percent of adults who’ve considered adopting, only one quarter have considered it “very seriously.”
Thankfully, there are a number of growing resources, including adoption loans, grants, state and federal assistance programs, that can lessen the financial impact on your pocket.
Domestic adoptions in the U.S. cost less than $2,800 if done through the foster care system, or between $30,000 and $60,000 through an adoption agency.
Understanding adoption costs
- The most affordable way to adopt a child is through the U.S. foster care system. On average, it costs under $2,800 to adopt a child from foster care.
- Independent adoption through an attorney costs between $25,000 and $45,000. These estimates include fees for home study, the birth mother’s medical bills and legal and court fees for all of the parties involved.
- Adopting through a private agency is the most convenient way to adopt, as the organization oversees the process from start to finish and includes additional services like counseling. However, it’s also the most expensive way to adopt as it can cost anywhere from $30,000 to $60,000, depending on the agency.
- Intercountry adoption is the second most expensive way to adopt, as you’ll have to factor in additional expenses, like travel and accommodation, escort fees and the child’s passport and visa. On average, it costs between $20,000 and $50,000 to adopt a child abroad.
- Because they’re more cost-effective, public adoptions (or adoptions through foster care) account for 58% of all domestic adoptions in the U.S.
“There are over 113,000 children and youth in the U.S. foster care system right now who are legally available for adoption and in need of a permanent, supported, and nurturing home and the process fees are typically less than $1,000 for that type of adoption,” says Kristen Hamilton, former director of Communication at the National Council for Adoption.
“In addition, there are subsidies which many of these children will qualify for, that can help parents meet their needs after adoption. However, they should know that the subsidy process must be completed before finalizing the adoption.” Hamilton adds.
How to afford adoption
The median household income in the U.S. is just under $80,000 as of 2023. For many Americans, paying tens of thousands of dollars to expand their families is simply out of reach. That said, there are plenty of funding alternatives you can explore to reduce these costs.
Adoption loans
An adoption loan is a type of personal loan used to fund the costs associated with adopting a child. Personal loan rates range from around 7.5 percent to 36 percent, depending on the lender, with repayment terms between one and seven years.
Taking out a personal loan to cover the costs of adopting a child can be a good idea if you have good credit and a stable source of income, as this will allow you to secure the best interest rates. However, a potential downside is that you may have a tough time getting a loan with bad credit and — if you do — you’ll most likely end up with a high interest rate. Plus, if you default on the loan, you could damage your credit for up to seven years.
Adoption grants
Adoption grants are a type of gift aid you can use to pay for adoption costs. Because grants don’t need to be repaid, they are one of the best ways to finance adoption costs. That said, grants are given out on a first-come, first-serve basis and some can take a while to process. That’s why the sooner you start your application, the better.
Adoption grants are given by private organizations and sometimes by the adoption agencies themselves. Some of the most popular organizations that give out grants for adoption include:
“Nearly all of those grants will require the family to have completed a home study in order to submit an application,” Hamilton says. “Some are tied to being further along in the process, but typically the grants are given so that the family can complete the adoption process and would be awarded well prior to finalization,” she adds.
Some grants are also limited to certain income thresholds, so read all the requirements in advance before you apply.
Assistance programs
Each state has its own adoption assistance program, which offers a monthly payment to families to help subsidize some of the costs. These amounts vary by state — and sometimes by county — and have limits based on the child’s age.
You’ll also have to apply for these subsidies at the state where you adopt the child, regardless of where you live afterward. You can learn more about each state’s assistance program by visiting the North American Council on Adoptable Children’s website.
A growing number of employers are also offering to help cover adoption costs as part of their benefits. According to the Dave Thomas Foundation for Adoption, in 2024, surveyed employers who offered to reimburse adoption costs as part of their benefits package gave employees an average reimbursement of $16,422.
Regardless of where you adopt your child from, you may also be eligible to claim the federal Adoption Tax Credit. This credit is issued to you as a refund and, in 2024, you could get up to $16,810.
Crowdfunding
Another way to finance adoption is through donations. If this is something you’d like to explore, you can set up a donation campaign through websites like GoFundMe, AdoptTogether and Adoption Bridge. It should be noted that some of these sites charge a fee and if the goal isn’t reached by a certain date, you might lose some of the funds.
Frequently asked questions
