How Much Does It Cost to Have a Baby and Raise it?

How Much Does It Cost To Have a Baby

If couples planning to have a kid started to look up how much does it cost to have a baby, they just might drop the idea before it is even conceived and the population of the United States would start to decline.

To give you an idea, according to a recent report, the average cost of expenses during the first year of a child’s life in an average middle-class household is around $12,000. And as a kid grows up, the cost will only go up from here.

Usually, the best time to have a baby is considered to be in the middle the to late 20s.

The time when most of the folks are just getting used to being adults, focusing on their careers, etc.

Women have it worse, as the fertility in women peaks during the twenties and start to decline during the thirties.

So, just when they are about ready to get financially settled and stable, mother nature expects them to become parents.

Well, that is a heavy burden to bear, and the thought of having a baby can be overwhelming for prospective parents.

How Much Does It Cost To Have a Baby?

Among people between the ages of 18 and 40, 40% of them are tied with student loan or credit card debts, which are the main reasons they were unable to start a family.

This was found out during a recent survey by a New Jersey-based firm.

Around 30% of them said that the only thing keeping them from having a baby is because they simply cannot afford to have one and needed to strengthen their finances first.

According to recent research, the average cost of having a baby at a hospital is around $18,000.

This does not include the out of the pocket costs. If the lady needs a cesarean section done, the cost can hike up to $27,000 with additional out of pocket charges.

It is only the beginning of your baby’s life, and as the kid grows up, the cost will go up too.

As per the research was done by a family foundation, on average, the charges for the hospital charges and the doctor’s fee could be around $10,000 to $12,000 depending on the procedure.

The charges can go way up if there is a complication. This does not include the charges for prenatal procedures and visit, which also cost a lot.

How Much Does it Cost to Have a Baby With Insurance?

However, if you are one of those Americans who have private health insurance and a managed care plan, you may not have to worry about those charges.

Usually, all kinds of medical costs related to delivery and pregnancy are covered in the majority of managed care plans.

Deciding to have a baby can be a scary and huge step. To be better prepared for it, you will have to plan ahead and make sure that you have your expenses covered. This will make your life a lot easier once the baby arrives and you are bored with bills.

Things to Do Before Having a Baby

Here’s a Checklist of things to do before having a baby:

  • Take Care of Health First
  • Get Your Finances in Order
  • Boost Your Benefits
  • Mark Your Spending
  • Do the Paperwork


Well, its a bit expensive to be alive.

You have to pay for the cost of living.

Some of the things for which you pay include education, food, housing, and making more humans.

You need to know how much does it cost to have a baby to have an idea of the financial considerations.

Check out an impressive post about raising the baby the right way.

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