The Real Costs and Reimbursements of Foster Care

Updated on August 20, 2018
groovyfind profile image

Hiya! I'm Sam, a former foster parent. I spend my days catering to a herd of cats, a couple of dogs, and three obnoxiously adorable kids.


Can You Make Money From Foster Care?

Nothing is more insulting than some random person asking the question "Oh, do you do foster care for the money?" Well, first, I own a business and have a job (as does my partner), so we can comfortably support ourselves AND the kids. Second, the reimbursement rate for caring for a foster child doesn't even cover the basics like food or clothing, much less leave anything extra for normal kid stuff.

If you're deciding whether or not foster care is something you want to do, there are a number of things to consider. These include:

  • The real costs involved
  • The other hidden cost: your time!
  • How much you'll be reimbursed
  • Why you really want to do this

The Real Costs

In my state, we get $372 per month to care for a child, plus once a year they provide a clothing voucher for $480.

That amount doesn't cover homecomings, school supplies, sports, field trips, school pictures, summer camp, toys, computers, proms, movies, vacations, amusement parks... or anything else that is normal for a teenager to do. That all comes out of our pocket to make sure the kids can be kids.

$480 is great... unless the kid arrives with only the clothes on his back. Any idea how much it costs to outfit a 16 year old from the floor up, for all the seasons at once? Don't forget gym clothes, court clothes, swimsuits, and winter coats! Did I mention we only get the voucher for JCPenney's? Yeah, we never figured out how to make it stretch that far either.

Did you know most states do NOT cover daycare costs for foster kids? That whopping monthly payment you get also has to cover $200-$400 a week in childcare. And as an extra special bonus, you can only use state-licensed daycares.

And ouch, the utilities! Add a few extra-clean teenagers with a gaming habit, and my water and electric bill double! Ugh. My dish bill doubles with more boxes; my phone bill quadruples with more lines for those ninja texters.

Finally, the laundry. Oh, my God, the laundry never ends. How do they get so many clothes dirty in one day?

Do You Have to Spend That Much?

Well honestly, do you really think I'm going to go to an amusement park without the kids?

That I'm going to grill up steaks but give my foster kids mac and cheese?

Or that we are going to go all out for Christmas but leave the foster kids out of the fun?

Any kid in our house is treated like a member of the family. This isn't about money or stuff or going places: it's about being included, no matter what we are doing. The entire point of fostering is to have the child feel like they are home until they can go home.



We use two gallons of milk in a day. Seriously.

Three pounds of bananas last us one day.

I added three bedrooms onto my house and bought an 11-passenger van JUST for the kids.


The Other Hidden Cost: Your Time

Surely you know how much time it takes for normal everyday kid stuff... and time is money, right? So let me give you a typical breakdown of what happens when new foster kids move in.

Aside from total shock, dismay, and nervous laughter, you need to get some things done... immediately!

  • The kids need clothes—and right now. They came with stuff that looked like it was from a dumpster and doesn't remotely fit. (If they came from another foster home, you are usually pretty good to go, because they will have sent the kids to you with stuff that actually fits.) So you need to take all the kids to the store and help them pick out clothes, shoes, socks, a backpack... the list goes on. They will either want nothing or Every. Single. Thing. They. See. Fun times.
  • Within 24 hours of placement, you need to get the kid into see a doctor. Sorry if you had plans or work. You need to track down all their school info and have it faxed over to the new school. If the kids has an IEP (Individual Education Plan)—and most do—it can take a week to set that up before they can even start school. Again, I hope you have vacation time at work. Within three days you and the kids will head to a court hearing to determine if they even stay in care, if they should go to relative, or if they need special services. This is always fun when you buy a kid $300 worth of clothes, take three days off work, and then they leave... and you never hear from them again.
  • You will be driving the kids to family visits. These will typically be an hour long, from one to five times a week. These visits are usually hard on the kids... so plan on letting them run crazy in a park to let off some steam afterwards. Then plan on fielding some pretty awful questions as these little people try to get their head around when they can go home. You learn to do your very best to not cry in front of them.
  • Medical appointments... Oh, my God, you have no idea. In addition to family visits, the kids must also go to therapy at least once a week. Get a sibling group of five? That's right, pal: you're looking at five separate appointments a week, usually not in the same building or with the same person. Plus dental, which will almost always be some major situation: foster kids haven't usually had someone coaching them on good dental hygiene. Medical involves everything from general issues to mental health issues; plan on at least one actual doctor appointment per week if you have several kids. And that's if no one is actually sick.

My Own Experience

As an example, let's talk about my first foster placement. Let's say you got a new kid this week (who came with a dog... what the hell?), and you have managed to get him settled in your house with clothes, food he will actually eat, and dog food. (Again, who gives a homeless kid a dog?!) Now you find out he will need to go to the dentist once a week for six weeks to fill every single tooth in his head, and the dentist is an hour away. Somehow no one told you that his birthday is in four days (good thing you had his medical card with the dates on it!). The kid is 78 pounds, 4'7" tall, and 15 years old, so that should be looked at for sure. You make a note to call someone, but you're not sure who. Has the dog had shots? No? OK, well, he needs shots, so add that to the list. (You get to pay for that, too.)

Now for the therapy. That's also an hour away, but they can double up on the day you have to drive him the hour to see family, so that's fine. Once you find the right guy to deal with the kid's not growing, you find out the kiddo who you've known for three weeks now needs brain surgery. Flipping wonderful. Plan on sleeping at the hospital because he's afraid of his shadow and leaving him all alone isn't an option. (I really hope you didn't have anything planned for a few months!) The kid has surgery and gets six weeks off school to recover, which means you get to entertain a kid who can barely move his head for at least four weeks. Naturally you go on a shopping spree of crafts, models, and other stuff he can do sitting or lying down, which prompts your other kid to whine that HE should get brain surgery so he can get more stuff. (Sighs.) FYI, the kid is on a second-grade reading level, can barely add, and has the social skills of a bull—a wild bull—so be sure to plan time to work on all that stuff too!

Once you get the brain thing fixed and the kiddo on growth meds, be sure to set aside a mountain of cash, because in eight months this kid is going to tear through five shoe sizes and go from a Boys' size eight to a Men's Medium in clothing ( and I'm not even remotely exaggerating). Now remember: this is NOT your kid. You just stopped your entire life for a child who will eventually go home... for $372 a month. So how much is your time worth? Think anyone would do all that, and give up life as they knew it, for $372? Bottom line: anyone who thinks foster care is profitable hasn't thought it through.

(FYI, the kid is a respectable 5'7" tall now and totally fine medically.)

A Few Other Considerations

Did you know that, if you need a babysitter, you will have to get their social security number and have a background check done on them first? Same thing for the kids going to sleepovers. Can you imagine how awkward that conversation is? "Oh, little Johnny wants to spend the night. Can I just get you to fill out this form and wait one to three weeks for the results?" That's right, a foster kid who has lost everything cannot even hang out at their friend's house without you.

If your mom wants to come spend the weekend with you... yep, any adult staying the night in your home will need a background check as well.

There are so many other ways to make much more money that is not nearly as emotionally taxing as being a foster parent. Money should not be (in any way, shape, or form) a consideration in becoming a foster parent.

Missouri Foster Care Payments Fall Short

Foster Care Reimbursement Rates

I live in Missouri, so we'll use that as an example. According to the Columbia Missourian, a survey was conducted by Children’s Rights, the National Foster Parents Association and the University of Maryland School of Social Work.

The study identified the "minimum adequate rates for children" specific to each state and based on an analysis of the real costs of providing care. This includes food, clothing, shelter, daily supervision, school supplies, insurance and travel.

The average amount of reimbursement across all ages in Missouri for 2007 was $227 per month. The average minimum adequate rate across all ages was $711.

Let's Recap...

So in addition to feeding, clothing, and housing a child, you also get to pay for:

  • Any damage they may do.
  • All toys, games, and hobbies.
  • Music lessons, scouts, or any other activities.
  • Sports and all the equipment.
  • Transportation.
  • Daycare or babysitters.

Plus, your time is now their time, so cancel all plans.

Maybe I'm using old-school math here, but I see no possible way to even break even in this equation. I have yet to figure out how to keep a human alive, fed, housed, happy, educated, cultured, and dressed for less than $13 a day.

So Why Do This?

Simple: for the kids.

If anyone wants to do foster care for any other reason, then they shouldn't bother.

Have you ever seen the face of a child light up because those new shoes you bought were their first new pair EVER?

Have you ever seen a child almost cry when they saw their "new room?" Or ask you how many people they had to share their bed with?

How about that surprised face when Santa actually came, when he never once remembered that kid before... and the the follow up heartbreaker of "Do I get to really keep the toys or are they going to get sold?"

Those moving moments when a child gets something they need and truly deserve are amazing. In those moments, the hassle and expense are truly worthwhile.

Do foster parents make money?

What do you think?

See results

This content is accurate and true to the best of the author’s knowledge and is not meant to substitute for formal and individualized advice from a qualified professional.

What do you think?

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    • profile image


      8 months ago

      This was a really touching article. Perfectly done.

    • Msmillar profile image


      12 months ago from Wilseyville

      Thank you for the enlightening article. The emotional toll fostering an angry child trump's everything. There is a gross limit of support for the foster parent. Some foster children come from abusive families, and when that child brings that abusive behavior to the foster family, it is emotionally and physically debilitating to the whole family. The system is not working.

    • profile image


      20 months ago

      Great article / very accurate.

    • profile image


      20 months ago

      Great post- very accurate/ almost made me cry.

    • profile image


      2 years ago

      This is the biggest bit of b.s. that I've read in a long time!!!!! Based on the theories I've been reading on this site then 90%++ of the upper class & wealthy american who could readily afford to raise foster children are not nice or good people for thinking it's not worth the trouble!!!! A child that is well aware of it's biological parent would rather live with their crackhead mom then in a mansion with a stranger. Now I can understand why 50% of foster kids r homeless, incarcerated or worse once turning 18. Any half educated person knows the government lies with stats. So it the gov't stats point to 50% of adult fosters being in a bad way. It's most likely closer to 60, 70 or even 80% of the children being lost to the world as drug addicts, lawbreakers, in prostitution or dead. It's a failed system. How ironic the foster parents shouldn't receive a dime but everyone else in the process is paid well from agency to physicians of various fields. On top of that over half of these kids become taxpayer problems by way of any institution with well paid folks making more money. From correction officers, lawyers to physicians again. Corrections correct no one, lawyers suck the system dry no matter what side of the isle they're on & physicians r nothing but legalized drug dealers. None of these so called professionals spend more than 30 minutes a week with these kids but yet they make a grip off of them. I read somewhere on this site where a foster mom said if she take her real children & the foster kids to the park & feeds her kids steak. Then the foster kids eat steak also. LOLOL!!! That's easy might cost an extra 3 - $5 a foster child to feed steak from the supermarket & put on the grill. Now lets throw Disney Land or better yet Disney World into the equation!! Now ur talking 2 - $500 A DAY extra per foster, child!!! Now come up with a logical humane answer for that equation. Taking the foster kids isn't logical unless ur upper middle class to wealthy. Not taking the foster kids is inhumane not matter what ur financial bracket. Use this site to get the gov't t invest more funding to the foster parents because money is the solution to these kids quality of life while in the system. And just because my parents purchased a new car for themselves while raising myself & my sibling didn't mean we suffered.

    • profile image

      Synthia montgomery 

      2 years ago

      A foster parent for 40 years,could have not said it better,thank you,after all is said and done I would do another 40 years if I could♥️♥️♥️

    • profile image


      4 years ago

      We had a cousin who would leave her 6 month old w/us for 3 weeks, not a word from her. I had to go to garage sales & thrift shops immediately to find some clothes & borrow a swing & bassinet from family members. Then, she had his WIC vouchers, so i had to pay for formula too, plus bottles & diapers. BTW, i had to buy a new diaper bag b/c i could not get rid of the smell of smoke. Then she showed up & said they were moving, in the next 15 minutes!

      My eldest son was 10 at the time & he yelled at her 'no real mom leaves her kid for weeks, then comes back like it was fine!" He was crying, i was trying not to cry as i filled a box w/his formula, other things he ate by then, & diapers. She was crying when she left, then when my husband got home from work, he was worked up into a frenzy.

      The next day i was leaving for an overnight conference & she called & asked me to come pick her up. Of course i went right over to the next town to get them & there was a toilet in the living room of this trailer, hardly any furniture...& to top it off, she was pregnant, 5 months & hadn't been to the dr yet. I took her & turned out she needed stress tests 3 times/ wk & was put on bed rest! So i let her pick out the color to paint her room, had a twin bed & found an old dresser in my mom's garage. Then i took her to the maternity store to buy her some clothes b/c she didn't have anything & she was starting to stretch them out. Then her boyfriend got out of the hospital ( 23 & renal failure which required dialysis 3 times/wk since he had used so many serious drugs). After the 2nd boy was born, she packed up, stole my son's vacation money & left before we even got home. Turns out DFS was looking for her b/c they had found drugs in her system when she was admitted to the hospital. We still went to get the older boy every Friday, but she had to pick him up b/c it broke our hearts to see him at the screen of the door screaming & beating on the screen.

      Shortly after, she left her boyfriend & moved to another town. After a few weeks, she called & asked if we would take the older boy for the semester she needed to graduate b/c she had a job & was going to play softball her last semester. Of course we said yes, then a few hours later she called & asked if we would take the new baby. We said we would try it for a week. When we got there, she had them both in their car seats & all of their things bagged up. She handed me her WIC folder, laughing at the fact that about 2 months of vouchers were expired & handed 20 bucks for diapers!

      Then, we didn't have daycare coverage for a 2 mo old & 13 mo old. I called every caseworker daily until i finally got a meeting w/the big shot who kept saying it wasn't going to happen. I wheeled my double stroller in there, after waiting over an hour. We began to talk & both boys just started screaming & crying. The man had the audacity it ask me why i didn't leave them somewhere! I flatly answered "i take them everywhere, i don't have daycare coverage." I left there w/6 months emergency daycare coverage! Squeaky wheel gets the oil.

      The rest of the foster care nightmare was extremely similar many who remarked on here. But it was 3 yrs before we actually had them adopted. We still get a stipend but it is 1/2 of foster stipend, but no more mileage reimbursement, clothing vouchers, etc. We did get to keep medicaid, but we had put them on our insurance as soon as we had them. Although, Missouri is now reimbursing us for the whole family's insurance premium a week, which is $82/ wk. And they require us to still use medicaid as our secondary, so we still have 0 copays?

      They are 9 & 10 now and they know her but she had the nerve to ask if she could have them for a week this summer? No need to answer that question! She has 2 more kids now, so i guess she wants to play mommy.

      She can read people so well & she knew it was a NO before she even asked!

    • profile image


      5 years ago

      This article is right on. My partner and I just adopted 3. We are not even close to rich. Our house went from 2 kids to 5. Our water bill and light bill went up. Our grocery bill went through the roof. We are spending about $1000.00 a month on food. That so called subsidy doesn't even pay the fees for our son to play football or pay the $2700 it takes for our daughter to join little league cheer leading. We certainly didn't do it for the money. People who have that idea are crazy!

    • profile image

      bead at home mom 

      6 years ago

      I've always felt it takes a very special person with tremendous dedication to take on the task of foster care. Thank you for sharing your gifts.

    • profile image


      6 years ago

      We need people who tell the truth about human service activities, such as foster care. There are too many dangerous myths out there.

    • SheGetsCreative profile image

      Angela F 

      6 years ago from Seattle, WA

      I'm glad you were able to set the record straight about fostering.

    • Diana Wenzel profile image

      Renaissance Woman 

      6 years ago from Colorado

      I am grateful for every family who puts a foster child first and helps transform his or her life in every possible way.

    • Merrci profile image

      Merry Citarella 

      6 years ago from Oregon's Southern Coast

      Thanks for taking care of the kids! Your lens is an eye opener.

    • profile image


      6 years ago

      You can make money from foster care? Really? Just try it! If it was that easy there would be a LOT more foster parents and we'd all be running to the bank. Instead there are a shortage of foster parents and we're running to various medical appointments, visitations, soccer games etc. As you can tell by now, I'm a foster parent too. It's hard work but I love it. Rewarding? Yes! Challenging? Yes! Financially lucrative? Nonsense! We lose money on foster care but it's worth it and once you start, it's hard to stop because you get to be the angel that makes things better, and buy them treats like new clothes, shoes, swimming lessons... things they've never had! Of course the one or two foster parents who have been mean and stingy is what makes headlines in the media and the rest of the foster parents get a bad rap too. For anyone who thinks you can make a dime from foster care, I challenge them to try it! Let's see if they have the heart and the stamina to do it. I bet they'll change their tune afterwards and will be wanting to give foster parents a medal after their first placement!

    • profile image

      Lynn Klobuchar 

      6 years ago

      I think you are aces for welcoming these kiddos into your home and into your hearts. Thanks you, thank you.

    • LiteraryMind profile image

      Ellen Gregory 

      6 years ago from Connecticut, USA

      This is very enlightening. I never really thought about the every day things involved in foster care.

    • groovyfind profile imageAUTHOR

      Samantha Lynn 

      6 years ago from Missouri

      @Lady Lorelei: They are, in the UK as well. So much could be fixed if they just helped these kids when they are young.

    • Brite-Ideas profile image

      Barbara Tremblay Cipak 

      6 years ago from Toronto, Canada

      It takes a very special person to foster children. It's a big job with tremendous responsibility. Any of us who have had children know EXACTLY the commitment this is. I've never fostered children, but I've raised 4 sons and 3 stepkids - been raising kids since I was 21. People who make heartless comments like you referenced about doing for it the money are unkind. I'm not saying there aren't any bad apples, but to suggest a large percentage are, is heartless.

    • Lady Lorelei profile image

      Lorelei Cohen 

      6 years ago from Canada

      Wow I think in Canada that foster parents are paid much higher than in the US. It is sad to see because kids are such a valuable investment in the future.

    • Frischy profile image


      7 years ago from Kentucky, USA

      This is so true! It broke my heart that even the workers seemed suspicious that foster parents were doing it for the money. What money? It's a very weird stereotype, because raising any child is expensive. And even the most "traditional" foster child comes with a lot of needs. Not to mention, things get broken in the house, utilities are increased, and gas to run her to her activities. The stipends help, but they are not enough to raise a child.

    • profile image


      9 years ago

      Thanks for posting. I agree with you 100% you are doing an amazing thing. Keep it up.

    • ctavias0ffering1 profile image


      9 years ago

      There are a few 'foster parents' who do go into it for the money but they are normally pretty quickly weeded out and sometimes even end up being prosecuted for neglecting the kids. Having said that, I know that fostering a child is always an expensive business and it's a great shame that the authorities don't provide enough to cover even the basic care of a child but you can't put a price on the love they need and that is really the most important part of it.

    • profile image

      sidther lm 

      9 years ago

      You could make that amount of money selling plasma- might be less exhausted too. I would be furious at that comment. I have heard it before by a woman who was about to sign up- when she saw how little she would "make" she backed out (luckily for those kids). Thank you for being a foster parent and for including the kids as if they were your family (as it should be) despite the additional expense.

    • Paul Ward profile image


      9 years ago from Liverpool, England

      One wonders how many desperately needed foster parents are deterred because they can't afford to subsidise care.

    • Charmcrazey profile image

      Wanda Fitzgerald 

      9 years ago from Central Florida

      Good for you! I admire anyone that will put forth the huge effort to show a child that he or she is important. Every kid deserves a decent start in life especially nowadays.


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