Surrogacy Costs Are Skyrocketing—Would You Pay This Much to Have a Child?

Can you put a price tag on having a child? For many facing infertility, the financial burden of building a family can be overwhelming. When carrying a child isn’t an option, surrogacy often becomes the only path to having a biological child. However, the cost of hiring a surrogate can be prohibitively expensive. In the U.S., surrogacy costs typically range from $100,000 to $150,000, but they can climb even higher depending on factors such as location, agency fees, medical expenses, and legal requirements. With no guarantees that surrogacy will result in a successful pregnancy, many couples find this investment daunting. Still, for those who have exhausted other fertility options, the opportunity to have a biological child makes the cost worthwhile.

Finding a Surrogate

The first and most crucial step in the surrogacy process is finding a reputable surrogate. If working with an agency, expect higher fees, as they handle screening, legal arrangements, and coordination. For those choosing an independent search, options include word-of-mouth referrals, social media, and online surrogacy communities.

Once a potential surrogate is found, she must undergo thorough medical evaluations before a reproductive endocrinologist and OB/GYN approve the process. These screenings come with upfront costs, even before a legal agreement is drafted. Hiring an attorney to manage the legal aspects adds another layer of expense. Additionally, medical procedures such as embryo transfer, prenatal care, and delivery can quickly add thousands of dollars to the total cost.

Weighing the Financial Burden

While many couples dream of having a biological child, the financial challenges of surrogacy can be staggering. Adoption, often considered an alternative, can also be costly, with fees ranging from $20,000 to $50,000 or more. Furthermore, by the time couples reach the decision to pursue surrogacy, they may have already spent tens of thousands on failed fertility treatments such as IVF and IUI.

Surrogacy also involves significant emotional and logistical challenges. Intended parents must consider the time required for medical procedures, legal contracts, and the surrogate’s well-being throughout the pregnancy. The emotional toll of potential failed attempts or medical complications can add to the stress. Additionally, travel costs may be involved if the surrogate lives in a different state or country, further increasing expenses.

The reality is that having a child is priceless, but the financial burden of assisted reproduction is significant. For those considering surrogacy, adoption, or further fertility treatments, financial assistance options such as grants and specialized loans may help make the process more accessible. Understanding all the costs and available resources can empower hopeful parents to make the best decision for their family-building journey.

How much have you paid in surrogacy costs? Let us know in the comments.

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Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.