How Much Does a Baby Cost?

To calculate the cost of bringing a baby into the world, you must include preparation, medical expenses, initial first-year necessities, and monthly demands. How much a baby costs is a long-term commitment that doesn’t cease until he or she reaches 18 years old.

Pre-Natal Medical Expenses [1]

Monthly check ups with the doctor – $1,500
One-month supply of prenatal vitamins – $15
Average cost of hospital bills – $5,000
The required infant car seat – $45

The Cost of a Baby Birth

Whether you have a vaginal or C-section delivery will affect the overall cost of a birth. The longer you stay in the hospital – the larger the costs. Suffering any complications also increases the cost to have a baby. Average costs to consider include:

• Patients with no healthcare coverage are looking at a typical cost to vaginally deliver their baby without complications from about $9,000 to $17,000+. The typical cost for a C-section delivery without complications or a vaginal birth with complications is generally between $14,000 and $25,000+.

• For patients with health insurance, out-of-pocket costs generally range from under $500 to $3,000+. The overall cost of delivering a new baby can range from $5,000 to $8,000 for a vaginal delivery to more than $12,000 for a cesarean delivery [2].

• Co-pays are typically part of out-of-pocket expenses and usually run $15 to $30 for a doctor visit. Inpatient delivery costs about $200 to $500.

• If a baby is premature, the possible complications can contribute to a bill that can reach tens of thousands of dollars. The increased costs center on extra care, medication, and a stay in the neonatal intensive care unit.

First-Year Expenses

In the first year, parents spend an average of $9,000 to $11,000 on formula, clothing, diapers, baby furniture, hair chairs, cribs, hygiene products, bibs, pacifiers, and other baby extras [3].

Monthly Expenses

Diapering and feeding your baby are solid monthly expenses. Average costs include:

• Disposable diapers are essential for baby care and typically cost around $.30 each. A baby generally goes through about 320 diapers in one month. Expect to pay around $100 for a one-month supply.

• It takes about 32 cans of formula to feed a baby for a month at an average cost of $3.65 each or $115 for a one-month supply.

• As your baby gets older, they will start to eat solid foods by 6 months. Expect to pay an average of $30 to $50 per month for solid food products.

In the Long Run

Overall, you’re looking at a cost of between $125,000 and $250,000 for having a baby and raising he or she until they reach the age of 18. This cost does not take into consideration higher education.



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