Why is Adoption so Expensive?
If you're beginning your adoption journey, you’ve likely wondered why adoption is so expensive. You're not alone. Cost is one of the most common concerns hopeful parents have—and it’s understandable. Domestic adoption often involves a complex, emotional, and legally sensitive process that includes many professionals working together to ensure everything goes smoothly.
But here’s the good news: understanding why adoption costs what it does can help you prepare, plan, and choose the right professional—especially one that’s transparent and trustworthy.
With American Adoptions, you'll receive a clear breakdown of every cost upfront, complete financial protection in case of disruptions, and support from a licensed agency that has helped create over 13,000 families.
Fill out our online form today to speak with a specialist and learn how we can help you build your family with clarity and confidence.
Why Is Adoption So Expensive?
Adoption can feel overwhelming—emotionally and financially. One reason adoption is so expensive is that it requires the collaboration of multiple professionals to ensure every step is handled with care, legality, and compassion. This includes:
The average cost to adopt a child ultimately comes down to the choices you make, also dependent on the state and specific circumstances. But this isn’t just money spent—it’s an investment in a lifelong connection and a safe, ethical adoption experience.
American Adoptions Agency Fees: How You Benefit
At American Adoptions, our fees are designed to provide peace of mind, not uncertainty. You’ll also have a dedicated adoption specialist available whenever you need them.
They can help you create a budget and stick to it to ensure cost won’t be a concern for your journey.
In addition to the comprehensive services you’ll need for your journey, we also provide industry leading adoption disruption insurance to protect what you’ve paid.
Here's how we help make your investment worth it:
Transparent, Upfront Costs
We give every family a detailed cost estimate before they commit to a specific adoption opportunity. This estimate includes:
Adoption Disruption Insurance
One of the biggest financial risks in adoption is a disruption. That’s why our agency is one of the few that offers disruption insurance—providing unmatched protection if the adoption doesn’t proceed. Unlike other agencies, our policy ensures:
- You won’t lose your money
- You can continue pursuing adoption without starting from scratch financially
- Your emotional investment is safeguarded, too
You deserve honest wait times, complete financial protection, and a licensed team that supports you every step of the way.
Why Does It Cost So Much to Adopt? [Financing Options in Georgia]
If you’re worried about affording adoption, that’s okay—many families are. The important thing to know is that you have options, especially in Georgia. Here are some helpful ways to finance your adoption:
Adoption Grants
Nonprofit organizations like Help Us Adopt and Gift of Adoption Fund offer grants for hopeful adoptive families. Some Georgia-specific options may also be available through local churches or community foundations.
Adoption Loans
Low-interest adoption loans are available from providers like Pathways for Little Feet and LightStream.
Fundraising
From online crowdfunding to community events, many families successfully raise funds with creativity and support. Georgia’s strong community networks can make local fundraising easier.
Personal Savings & Gifts
It’s common for families to combine personal savings with support from relatives and friends. Some choose to use a portion of retirement accounts or inheritance as well.
Adoption Tax Credits
- Federal Adoption Tax Credit: Up to $15,950 per child (for 2023)
- Georgia Adoption Tax Credit: Georgia offers a $2,000 tax credit per child for five years after a Georgia-resident adoption is finalized
Employer Benefits
Many large Georgia employers—including Delta, Home Depot, and Emory University—offer adoption assistance, including reimbursement of up to several thousand dollars and access to counseling and legal resources.
Contact Us
You shouldn’t have to figure this out alone. Our specialists are here to help you understand adoption costs, financing options, and how we make adoption easier and more secure for Georgia families.
Fill out our online form or speak with a specialist today to get started on your adoption journey.
Why Is It So Expensive to Adopt? [FAQ]
Why does adoption cost so much money?
Adoption involves multiple professionals—legal experts, social workers, counselors, and medical staff. The fees cover services that ensure ethical, safe, and legal adoptions, as well as support for birth parents and adoptive families.
How much is adoption subsidy in Georgia?
In Georgia, adoptive parents of children from foster care may receive a monthly adoption assistance payment ranging from $400–$550/month, depending on the child's needs and circumstances. This is typically not available for private domestic adoptions.
Do you get a monthly check when you adopt a child in Georgia?
If you adopt a child through the Georgia foster care system, you may be eligible for a monthly subsidy. For private domestic adoptions, like those facilitated through our agency, families do not receive monthly checks unless the child qualifies for federal or state assistance programs.
Disclaimer
Information available through these links is the sole property of the companies and organizations listed therein. American Adoptions provides this information as a courtesy and is in no way responsible for its content or accuracy.