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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.)
It depends how you adopt. Adopting from the foster care system is nearly free, and these kids really need homes. There are generally few young children, so you will have a shorter wait for an over 5 or a sibling group. Private newborn adoption is about $12,000-$25,000, depending on the situation. Sometimes you pay some expenses for the natural mom, but mostly the fees go to agencies, lawyers, facilitators etc. Some agencies don't let you specify girl/boy.