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What It Costs to Have and Raise Twins

While expectant moms dream of cuddling their babies, dads are often worrying. Exactly how much does it cost to have and bring up twins?

Your little bundles of joy can cost a bundle. But perhaps not as much as you think. Here's some idea of what to expect.

Having Twins: $1,000 or More

The cost of childbirth depends on where you live and whether you have health insurance. Charges tend to be lower in the South and higher in the Northeast. The cost also depends on whether your twins are born vaginally or by C-section and at what week they're born. If your twins are born premature or at a low birth weight, the costs will run much higher.

In fact, if your twins need care in the NICU after birth, the average cost for childbirth and hospital care can range from $65,000 to more than $100,000.

Of course, your share of the cost will be much less if you have insurance coverage. Exactly what your costs will be, though, depends on the type of insurance you have and your particular plan. In 2007, the average out-of-pocket expenses for U.S. couples were:

  • $1,068 for one uncomplicated vaginal birth
  • $1,329 for one uncomplicated C-section
  • $1,381 for one complicated C-section
  • $3,326 for one premature or low birthweight birth

How these charges add up for two babies may differ from plan to plan. It’s best to check with your insurance company ahead of time to see what out-of pocket expense you’re responsible for.

Onetime Baby Supplies: $4,000

Baby cribs and rocking chairs can add up. Fortunately, these are onetime expenses. And although you'll need two cribs and two car seats, you can probably make do with just one of many other items, such as diaper bags and changing tables. You can also reuse most of these items if you have more children.

If you want the Cadillac of baby gear or two of everything, you can expect to pay well over $4,000. On the other hand, you can get used items or inexpensive versions that meet modern safety standards, and cut costs a lot. You may also receive many of these as gifts.

Here's the breakdown:

  • Transportation: $600 or more. Includes stroller, infant car seat, diaper bag, portable play pen, and baby carrier.  
  • Outfitting the nursery: $2,000 or more. Includes crib and/or bassinet, mattress, bedding and blankets, changing table, small dresser, rocking chair, monitor, and diaper pail. 

  • Nursing and feeding: $300. Includes bottles, nipples, cleaning brushes, bibs, a highchair, utensils, and burp cloths. Add on for nursing bras and pumps.
  • Entertainment (optional): $300 or more. Items such as a portable swing, "bouncy seat," and play mat.


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