You can pay anywhere from nothing (adopting through foster care), to $10,000 from some agencies, to $30,000 depending on which route you choose. International tends to be very expensive, but some people have reimbursement plans from their employers. There is an adoption tax credit which has recently been made fully refundable (at least I think I heard that it was). We used Catholic Charities and paid $5,000 plus legal fees the first time and $10,000 plus legal the second time. It was two different offices in different dioceses, and they set their own fees.
We are lower income since I gave up my job to stay home with our DD. We had to show the agency that we had a plan for financial success, and make a detailed budget. The agency (both times) was concerned, but the judge never was. They also want to know that your home is safe and you are stable.
at 9:46 PM on May. 12, 2010