Complete Guide: Cost of Having a Baby in Australia
Important Note
These estimates cover pregnancy, delivery, and child expenses from birth to age 5. Australia's Medicare system significantly reduces healthcare costs, but private options are available.
Quick Cost Overview
The cost of having a baby in Australia is significantly lower than many other countries thanks to Medicare. Here's what you can expect:
With Medicare
Public healthcare & bulk billing
Private Healthcare
Private hospitals & specialists
Cost by Age Range
Costs change significantly as your child grows. Here's a breakdown by age range:
0-1 years
Birth costs with Medicare plus baby essentials
Annual estimate
1-2 years
Toddler care and potential childcare costs
Annual estimate
2-3 years
Early learning and childcare subsidies
Annual estimate
3-4 years
Preschool programs and developmental activities
Annual estimate
4-5 years
School preparation and kindy costs
Annual estimate
Detailed Cost Breakdown
Here's a detailed look at the major cost categories:
Prenatal Care Costs
Medicare bulk-billed care
GP and some specialist visits
Private obstetrician
Private specialist care
Ultrasounds
Medicare partially covered
Pregnancy supplements
Elevit, folic acid
Delivery & Hospital Costs
Public hospital birth
Free in public system
Private hospital birth
With private health insurance gap
Private obstetrician fees
Professional fees
Anesthetist fees
For epidural/cesarean
Baby & Child Essentials
Baby clothing (0-1 years)
Seasonal appropriate clothing
Nappies (0-2 years)
Disposable nappies
Feeding supplies
Bottles, formula if needed
Baby equipment
Pram, car seat, cot
Childcare (1-5 years)
Annual childcare with CCS subsidy
Healthcare (annual)
Medical expenses not covered by Medicare
Australia-Specific Planning Tips
Medicare & Healthcare
- • Medicare: Covers most pregnancy and delivery costs in public hospitals
- • Bulk Billing: Many GPs bulk bill, reducing out-of-pocket costs
- • Private Health Insurance: Optional but provides choice of doctor and hospital
- • Safety Net: Additional protection for high medical costs
Childcare & Education
- • Child Care Subsidy: Government assistance for childcare costs
- • Long Day Care: $80-$150+ per day depending on location
- • Family Day Care: Often more affordable alternative
- • Kindergarten: Free in some states, subsidized in others
State Cost Variations
High Cost States
NSW, VIC, WA
Medium Cost States
QLD, SA, TAS
Lower Cost States
NT, ACT