Maybe you’ve read that adoption is only for wealthy families, or you’re wondering if there’s a certain salary you have to reach.

The truth is: you don’t need to be rich to afford adoption. What really matters is your ability to provide stability, love, and meet a child’s everyday needs.

Our specialists can walk you through your financial options, explain exactly what to expect, and help you create a plan to afford adoption. Fill out our form today.

At American Adoptions, we’re here to guide you through the financial side of adoption with personalized support so you can move forward with confidence.

How Much Money Do You Have to Make to Adopt a Baby?

There’s no nationwide income requirement to adopt a baby in the U.S. Unlike government programs, adoption doesn’t work with a set minimum salary.

Domestic infant adoption typically cost between $55,000-$85,000, but that doesn’t mean you need to earn that much each year to qualify.

Instead, agencies look at your full financial picture to see whether you can provide for a child.

Why Stability Matters More Than a Big Paycheck

One of the biggest myths in adoption is that it’s only for wealthy families. That simply isn’t true.

Adoption agencies aren’t looking for luxury lifestyles or big salaries — they just want to see that you can afford adoption and provide a stable, loving home for a child.

Here’s what really matters:

  • Steady income that covers your household and child-related expenses
  • Manageable debt that won’t overwhelm your budget
  • A realistic budget that shows you live within your means
  • Safe, suitable housing that meets a child’s needs
  • Some savings or planning for life’s unexpected expenses

We’ve helped families from every financial background adopt successfully — teachers, nurses, mechanics, single parents, and high earners alike.

What they all had in common wasn’t wealth, but consistency and preparation.

What You’ll Need for the Home Study Financial Review

The home study is where these factors are formally reviewed. This isn’t about judgment — it’s about ensuring you’re financially ready to welcome a child.

You’ll typically be asked to provide:

  • Recent pay stubs and tax returns
  • Bank statements showing savings and account balances
  • Documentation of debts, assets, and monthly obligations
  • Proof of health insurance that will cover your child

Your social worker reviews this information to confirm that adoption won’t create financial strain.

Their goal is to see that you can balance current responsibilities with the added costs of raising a child.

Not sure who will complete your home study? American Adoptions provides home study services in many states — and if we don’t serve your area, we’ll connect you with a trusted local provider.

Ways Families Afford Adoption: Grants, Loans & Benefits

If the cost feels overwhelming, you’re not alone. Many families use additional resources to afford adoption:

Adoption Grants

  • Gift of Adoption Foundation (up to $7,500)
  • Show Hope and Help Us Adopt (need-based programs)
  • Local foundations and faith-based organizations

Loans and Financing

  • Adoption-specific personal loans with flexible repayment terms

Employer Benefits

  • Reimbursement for adoption expenses
  • Paid adoption leave
  • Employee assistance funds
  • Flexible spending account options

Tax Credit

The federal adoption tax credit offers up to $17,280 per child in 2025. With partial refundability, even families with limited tax liability may receive money back.

How American Adoptions Protects Families Financially

At American Adoptions, we believe financial concerns shouldn’t hold you back from parenthood.

That’s why we provide:

  • Clear, upfront cost estimates tailored to your situation
  • Disruption insurance to protect your investment if a placement doesn’t move forward
  • Flexible payment schedules to fit your needs

Our process removes financial surprises so you can focus on what matters most — building your family.

Take the First Step Toward Affording Adoption

Worrying about whether you make enough to afford adoption is natural.

But you may be in a stronger position than you think. Adoption isn’t about having the biggest paycheck — it’s about creating a safe, stable, and loving home for a child.

Ready to discover your possibilities? Connect with our specialists today for a confidential conversation about your situation and learn about support available to turn your parenthood dreams into reality.