How much does it cost to have a baby in New Jersey?

There are many questions when deciding to have a baby.

Are we ready for a huge commitment? Does my state allow time off from work? Are we physically and mentally prepared? Can I pay for the cost of having a baby and pay for everything once the child is there?

My wife Sierra and I recently welcomed our son into the world on February 24th and it cost us a decent amount, even with insurance. Which got me wondering: How much does it cost to have a baby in New Jersey compared to other states?

Most Popular Baby Names in Every State

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The average regular birth in the United States costs about $4,700 with insurance and without insurance about $11,000 in 2021. Cesarean births cost about $7,000 with insurance and $14,000 without insurance.

little boy (Getty Stock)

(Getty Stock)

Now on to New Jersey, and you might want to sit down before reading this. New Jersey is in a tie at five for the most expensive state for childbirth, at around $28,000. This is three times the national average. Only New York, California, Nevada and Florida come close.

Little girl sleeping in a cot

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If $28,000 isn’t enough, you still need to assemble the nursery. According to, after adding all the toys, crib, dresser, changing pad, bassinet, and more, you’re looking at spending around $100,000.

little boy playing with a building block

oksun70, Getty Stock / Think Stock

The bottom line is simple, New Jersey needs to set its delivery charges. When you add in everything else, from food to doctor visits, it can feel a bit overwhelming. However, this article is not meant to discourage you.

Baby Amari

Baby Amari (Newark Beth Israel Medical Center)

Having a good support system always helps. Plus, hosting a baby shower can significantly cut costs. Being a parent is difficult but an experience I wouldn’t change for the world. Wait until you’re ready, have lots of talks and good luck!

KEEP READING: Here are the most popular baby names in every state

Using March 2019 data from the Social Security Administration, Stacker compiled a list of the most popular names in each of the 50 states and Washington D.C., according to their 2018 SSA rankings. The top five boy names and top five Girls’ first names are listed for each state, along with the number of babies born in 2018 with that name. Historically common names like Michael have only made the top five in three states, while the less common name Harper makes the top five for 22 states.

Curious to know which names are trending in your home country? Keep reading to see if your name makes the top five – or to find inspiration for naming your baby.

WATCH: The best holiday toys from the year you were born

With the holiday spirit in the air, it’s the perfect time to dive into the history of iconic holiday gifts. Using national toy archives and data curated by The Strong from 1920 to present, Stacker researched products that captured the minds of the public through novelty, innovation, kitsch, quirkiness or just the right time, then exploded into success.

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