How Much Does Home Birth Cost?

A home birth is a planned delivery that takes place in the mother's home, typically attended by a certified midwife. Costs include prenatal care, birth supplies, midwife fees, and postpartum visits. Home births are the most affordable option but are recommended only for low-risk pregnancies.

Cost by State

State	Without Insurance	With Insurance	Medicare
Mississippi	$3,000	$800	$600
Arkansas	$3,100	$800	$600
Oklahoma	$3,100	$800	$600
West Virginia	$3,200	$800	$600
Alabama	$3,300	$800	$700
Louisiana	$3,300	$800	$700
Iowa	$3,400	$900	$700
Kansas	$3,400	$900	$700
Kentucky	$3,400	$800	$700
New Mexico	$3,400	$900	$700
South Carolina	$3,400	$900	$700
South Dakota	$3,400	$800	$700
Idaho	$3,500	$900	$700
Missouri	$3,500	$900	$700
Nebraska	$3,500	$900	$700
North Dakota	$3,500	$900	$700
Tennessee	$3,500	$900	$700
Indiana	$3,600	$900	$700
Ohio	$3,600	$900	$700
Utah	$3,600	$900	$700
Wyoming	$3,600	$900	$700
Georgia	$3,700	$900	$700
Michigan	$3,700	$900	$700
Montana	$3,700	$900	$700
North Carolina	$3,700	$900	$700
Arizona	$3,800	$1,000	$800
Texas	$3,800	$1,000	$800
Wisconsin	$3,800	$1,000	$800
Florida	$4,100	$1,000	$800
Maine	$4,100	$1,000	$800
Delaware	$4,200	$1,100	$800
Minnesota	$4,200	$1,100	$800
Nevada	$4,200	$1,100	$800
Pennsylvania	$4,200	$1,100	$800
Vermont	$4,200	$1,100	$800
Colorado	$4,300	$1,100	$900
Virginia	$4,300	$1,100	$900
Illinois	$4,400	$1,100	$900
New Hampshire	$4,400	$1,100	$900
Oregon	$4,400	$1,100	$900
Rhode Island	$4,500	$1,100	$900
Maryland	$4,600	$1,200	$900
Washington	$4,600	$1,200	$900
New Jersey	$4,900	$1,200	$1,000
Alaska	$5,000	$1,300	$1,000
Hawaii	$5,100	$1,300	$1,000
Connecticut	$5,200	$1,300	$1,000
Massachusetts	$5,300	$1,300	$1,100
California	$5,400	$1,400	$1,100
New York	$5,600	$1,400	$1,100

Frequently Asked Questions

How much does home birth cost without insurance?

The average cost of home birth without insurance in the United States is $4,000. Costs vary significantly by state.

Does insurance cover home birth?

Most health insurance plans cover home birth when medically necessary. With insurance, the average out-of-pocket cost is $1,000.

Does Medicare cover home birth?

Medicare Part B typically covers home birth when ordered by a doctor. The average Medicare-approved amount is $800.

What additional costs should I expect beyond home birth?

Additional costs may include prenatal testing, anesthesia fees, newborn care, extended hospital stays, and any complications. These can add $1,000 to $5,000 or more.