Money worries come up for nearly every woman facing an unexpected pregnancy. In fact, almost 4 in 10 women say finances were their main reason for considering ending a pregnancy.
So how much does it actually cost to have a baby, and what kind of help is available if you want to carry but aren’t sure how you’ll make it work?
What Does It Cost to Have a Baby?
When you decide to carry your pregnancy, there are medical and practical costs to consider, from early prenatal care to newborn supplies.
But there’s also good news: many resources exist to help you every step of the way, especially in South Carolina.
You might need things like:
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Prenatal care and screenings: OB or midwife appointments, lab work, ultrasounds, and any recommended screenings.
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Wellness and preparation: Prenatal vitamins, maternity clothes, childbirth classes, and extra support like nutrition guidance.
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Postpartum care: A follow-up medical visit after birth, emotional support, or therapy for baby blues or postpartum depression.
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Hands-on recovery help: Lactation support, nursing gear, compression garments, or a postpartum doula.
What If I Don’t Have Insurance?
It’s true that giving birth in the U.S. without insurance can be expensive—some estimates put the total cost between $15,000 and $20,000. But if you’re pregnant, you may qualify for Medicaid, even if you didn’t before.
Medicaid pays for almost half of all births in the U.S., and many pregnant women pay little to nothing for their care under this coverage.
If you do have private insurance, your total out-of-pocket costs often land between $2,000 and $3,000. And once you factor in what insurance or Medicaid covers, carrying to term can often be just as affordable, or even less expensive, than an abortion.
Monthly Costs After Baby Arrives
Once your baby is here, your focus shifts to everyday needs like safe housing, food, clothing, and baby gear.
Here’s what can help:
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Housing: You may not need to move right away. Many new moms find creative ways to make space or live with trusted friends or family.
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Food: Breastfeeding is free, and the WIC program helps cover formula and nutritious food for both mom and baby.
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Clothing & gear: Hand-me-downs are everywhere, and local pregnancy centers often provide free diapers, car seats, clothing, and more.
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Childcare: This can be a big expense, but if you qualify for WIC, Medicaid, or state assistance, some or all of your childcare may be covered.
Let's Talk Through It
Money can feel like a huge barrier, but it doesn’t have to be.
Across South Carolina, most pregnancy centers offer same-day ultrasounds, parenting classes, mom groups, and material assistance. Many can also help you connect with housing programs, job training, budgeting support, and other community resources.
You can text with one of our nurses anytime to ask questions or get connected to free resources near you. Or, explore what’s available in your area with our Care Locator Tool.
You don’t have to have every answer today. You just need to know you’re not alone, and that support is closer than you think.