Key Takeaways:
- The difference in adoption costs is vast, with some adoptions costing virtually nothing and others costing tens of thousands of dollars.
- Depending on the facts of your case, an adoption may take several years and require you to pay adoption-related fees more than once.
- You’ll likely have to participate in a comprehensive home visit that reviews your health, parenting skills and financial fitness before you may adopt a child.
Comprehensive cost analysis of child adoption processes
Adopting a child into your home is an exciting prospect. However, you might also be a little nervous about the expenses involved in becoming a parent or expanding your family through adoption. The nerves are perfectly normal, and you might ease many of them by reviewing good resources about the cost of adoption, including this article. Below, we discuss the different types of adoption that may be available to you and what type of financial impact they might have on you and your family.
What are the different types of adoption?
There are different pathways to building a family, and there are different pathways to adopting a child. You might adopt your child through one of the following avenues:
- Adoption from a public child welfare system
- Adoption from a private agency
- Independent adoption
- International adoption
Depending on your unique circumstances and the process you choose, the average cost of adoption could be anywhere from $0 to $60,000. Now, let’s review how adoption costs might differ with each process.
Pro tip: Take time to think about all the types of children you could imagine adopting. Ask yourself whether you must adopt an infant or if you’re open to adopting a child who is several years old. Also ask yourself if you could adopt a child with special needs or who is from a different racial background than your own. Adoption of an infant may take longer and expose you to higher fees. Adoption of a child with special needs or different ancestry might require you to pay for more counseling or health care.
The cost of adoption from a public child welfare system
Adopting a child from the public child welfare system, sometimes called foster care adoption, is often the least expensive option. This type of adoption typically involves children who are already in the foster care system and are waiting to be placed in a permanent home. If you seek this type of adoption, you may have no fees. However, some cases include minimal fees for services such as:
- Adoption home studies
- Attorney advice
- Court documents
- Medical co-pays for the applicant
- Pet immunizations
- Safety changes for the applicant’s household
If you have to pay fees for a foster care adoption, you might receive up to $2,000 in adoption assistance. Families choosing public adoptions might also be eligible for ongoing financial support, including assistance with healthcare and education costs. Please note that adoption assistance varies by state.
The cost of private adoption
Adopting through a private adoption agency is another common option, and the price may vary greatly. Private agencies work directly with birth parents and adoptive families to facilitate the adoption of infants and children. The average cost of a private agency adoption in the US may range from $30,000 to $60,000. The cost of private adoption might vary based on factors like:
- Your income
- Whether you hire an attorney to help you
- How long it takes for you to complete the adoption process
- Whether a court needs to terminate a birth parent’s rights first
- How much counseling or healthcare services you, the child or the child’s birth parents might need before and after the adoption
- The extent of the birth parents’ legal costs
- How much interim care the child might need before the adoption is final
- How much post-placement supervision might be necessary before the adoption is final
Pro tip: Think about attending adoption orientations with many private agencies. These orientations might help you better understand your options and what you might need for the adoption process. Many agencies offer these orientations free of charge.
The cost of independent adoption
In independent adoptions, attorneys help adoptive parents and birth parents complete adoptions privately and without working with an agency. This type of adoption process may vary significantly depending on your state’s regulations. The cost of an independent adoption typically ranges from $25,000 to $45,000, making it a slightly more affordable option compared to a private agency adoption.
In an independent adoption, the costs might include:
- Legal fees for attorneys
- Fees for advertising to find interested birth parents
- Home study fees
- Birth parent expenses such as medical bills or living costs during pregnancy
The cost of international adoption
International adoption involves adopting a child from another country and might sometimes be more expensive than adopting a child stateside. The average cost of international adoption ranges from $20,000 to $50,000 or more. Costs often depend on the country from which the family is adopting and which entity is facilitating the adoption. One of the reasons intercountry adoption is so expensive is that it involves navigating the adoption laws of both the US and the child’s country of origin. This often includes multiple trips overseas, which may quickly add to the total cost.
Couples might adopt through any one or a combination of the following entities:
- The government
- An orphanage
- A non-profit organization
- A private agency
- A facilitator
- An attorney
Costs in an international adoption might also vary based on factors such as:
- Travel expenses
- Immigration fees
- Court costs
- Medical fees for treating the child
- Adoption education services
- Translation fees
- Post-adoption counseling fees
- Escort fees if the adoptive parents can’t travel to accompany the child to the US
Adoption service fees may vary widely depending on where your adoptive child lives. For instance, the United Kingdom, Belize and Sri Lanka have had median adoption service provider Hague Convention fees of $0. But a median adoption service provider convention fee might be more than $20,000 in South Korea.
Pro tip:
Pro tip: Consider how much you already know about another country or how much you can learn about that country before engaging in an international adoption. If you hope to adopt from a country that is typically expensive but you already know the language and many of the customs, you might save money you would have spent on translation or guide fees in a less expensive country.
A closer look at common costs in the adoption process
Now that you know the basic factors that might affect an adoption, let’s go over the average cost of some of the individual elements in an adoption.
Home study fees
A home study is an essential part of most adoptions. A home study might include the following:
- Pre-adoption training to help you understand adoption issues and the needs of children waiting to be adopted
- An interview with a home study specialist regarding your relationships, parenting skills, life skills and experience with children
- A home visit to assess how safe your home environment is for the child
- Health statements regarding your current physical and mental health and life expectancy
- Health coverage and income statements to show that you can responsibly and adequately handle your finances
The cost of a home study may range from $1,000 to $3,000. This fee may also double because some adoptions take several years to complete, and home studies expire, so you may have to pay for more than one.
Travel expenses
If the type of adoption you seek requires you to travel, you may spend hundreds or thousands of dollars on airfare and hotel stays. And you may have to travel multiple times before completing the adoption process.
Legal fees
Your adoption will likely require some kind of court intervention. Court documentation for an adoption might cost you between $500 and $2,000. And these prices significantly increase if you hire an attorney to help you.
Adoption lawyer fees
You may seek the help of an adoption lawyer for any type of adoption. And you may pay as much as $4,500 or more for attorney assistance. The cost of an attorney might vary according to:
- The type of adoption you choose
- State or country adoption laws
- How long your adoption takes
- The complexity of your case
How an attorney may help
Adoption in the United States offers a variety of options, each with its own costs and procedures. Many adoptive parents find attorney guidance useful for fulfilling the many requirements and diminishing stressors that may come. An attorney can research the state laws that might apply to you in an adoption situation and identify which adoption options are available to you. An attorney may also help you communicate with adoption agencies and draft paperwork necessary to facilitate and finalize an adoption.
