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Hopeful couples discover that adoption or gestational surrogacy costs from tens of thousands of dollars to more than $100,000. (And that's on top of the thousands of dollars many have already shelled out on fertility treatments, to say nothing about the emotional toll.)
1 Many states provide subsidies to adoptive parents. Step-parent or relative adoptions incur minimal cost, usually just court paperwork filing fees of roughly $100.  A fact sheet from the Child Welfare Information Gateway says costs for agency and private adoptions average between $10,000 and $15,000.