top

close menu

Get Free Info

What Impacts the Cost of Adoption?

Why Low Estimates Come with Hidden Risks

The average cost of a successful and legal adoption ranges from $50,000 - $90,000. Unfortunately, many families are misled and sold low estimates without knowing why.

Case Study:

A family joined an agency licensed in only two states, but positioning itself as a national provider that is illegally advertising. They were led to believe their adoption—with full services—would only cost $55,000. Sadly, they were subjected to 4 fail points to their success.

  1. Cost Estimate Exclusions: Their estimate didn't include costs for failed adoptions, causing them to lose $35,000.
  2. Poor Marketing: Their agency didn't market to find pregnant mothers, meaning low opportunities, long waits and high-risk situations.
  3. Lack of Support: Their agency offered little support to the mother, which led to her changing her mind.
  4. Realities of Overall Cost: When they finally matched and completed an adoption, they still paid $85,000 in addition to the previous loss incurred from the failed opportunity.

Here’s the truth most professionals won’t say outright:

The only way to lower adoption costs is by cutting essential pieces of the process.

And when that happens, the cost you save upfront often comes back later — in delays, failed matches, legal problems, and heartbreak.

Bottom Line: Adoption isn't where you cut corners.

So What’s Normal?

Among experienced professionals with strong track records, the average cost of a successful domestic adoption typically ranges between $50,000 and $90,000. That range includes comprehensive services, legal protections, licensed support, and — critically — the resources required to find and care for birth mothers.

If you see numbers far below that, it’s worth asking: What’s missing?

1. Ideal Fee Ranges Hide the Real Numbers

Some agencies promote what I call “teen mom pricing” — fee ranges based on the simplest, cheapest cases. But these aren't realistic for most families.

Here’s what often gets left out:

  • Failed match costs ($10K–$30K each)
  • Birth mother expenses
  • Medical care
  • Legal complexities (especially cross-state)

The result? What seems affordable at first can balloon into tens of thousands more than expected. Some families burn through their entire adoption budget on failed attempts — and can’t afford to continue.

"It cost us more to fail with the budget option than it would’ve to succeed with a licensed national agency."

- Actual feedback from adoptive family, 2023

 

2. Less Marketing = Fewer Birth Mothers

To cut costs, many lower-priced programs slash outreach efforts — the very thing that finds you a birth mother in the first place. 

The risks:

  • Longer wait times (months or even years)
  • Fewer matches to choose from
  • Higher likelihood of risky or unstable situations
  • Giving up

Lower makreting can result in never becoming parents--which is something every family wants to avoid.

The truth is, effective outreach is expensive — but it’s also essential. The fewer birth mothers in a program, the more uncertainty you face.

3. Inexperienced or Unlicensed Staff

Another way some providers lower costs? By hiring staff who aren’t licensed, or don’t have the deep experience adoption requires.

What gets lost:

  • Guidance during complex or out-of-state adoptions
  • Support once you're matched
  • Knowledge of legal compliance, birth parent rights, and hospital coordination
  • Birth mother counseling that prevents disruptions

Think of it this way:

There are moments in life to cut costs. Adoption isn’t one of them.

4. You Bear 100% of the Risk

In low-cost adoption programs, if something goes wrong — a birth mother changes her mind, a legal situation unravels — you absorb every dollar of the loss.

There are no guarantees. No shared risk. No refunds.

You may be left paying for:

  • Birth mother living and medical expenses
  • Legal and agency fees
  • Travel, lodging, counseling
  • Time lost and emotional toll

Some families lose $10,000–$30,000 or more in a single disrupted match, with no financial safety net.

5. No Financial Guarantees or Refund Protections

Reputable national agencies structure their fees to include financial safeguards. That means:

  • Money-back policies if certain milestones aren’t met
  • Roll-over options for disrupted matches
  • Transparent contracts that explain exactly what’s covered

This matters because adoption isn’t just emotionally vulnerable — it’s financially vulnerable, too. Without protection, every match becomes a gamble.

Learn more about our Limited Risk Program here.

Your adoption success is too important to work with an agency that puts it at risk. Contact us today to avoid costly hidden fees in your adoption journey.

 

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.

Request Free Information

Adoption Home Study

Adoption Home Study Process

Learn what a home study is and why you need one to adopt a child.

Read More

Home Study Questions and Answers

While adoption home studies vary slightly from agency to agency and state to state, there are several key elements that are almost always included in every home study.

Read More

Home Studies: State by State

Find a qualified professional in your state to complete your home study.

Read More
Frequently Asked Questions

Do we need to retain our own attorney?

No, American Adoptions has established relationships with some of the best adoption attorneys in the nation. Because adoption laws vary from state to state and between counties, it is important to utilize the services of an adoption attorney who specializes in the state where the adoption will finalize, which is unknown until you match with an expectant mother. You have the right to retain your own attorney, but doing so may be an additional, unnecessary expense.

Can we choose the gender of our baby?

American Adoptions does not allow gender specificity in adoption. Any family who wishes to be gender-specific in their adoption should contact us at 1-800-ADOPTION and ask about the possibility of an exception waiver before taking any other steps toward adoption with our agency. Any families who do receive an exception to be gender-specific may also incur an additional fee, which helps cover the additional advertising costs of such a request.

Please note that gender specificity will likely increase your wait time significantly.

Additional Resources

Adoption Newsletter

Did you know that American Adoptions offers a free bi-weekly e-newsletter? Sign up today to keep up-to-date on the latest in adoption news and information.

Sign Up

Famous Adoptions

Learn which famous Hollywood actors, sports stars, politicians and other icons have been touched by adoption.

Read More

Adoption Glossary

Do adoption terms and phrases leave you feeling confused? Learn the meaning to key adoption words and phrases with our comprehensive adoption glossary.

Read More