What is the adoption tax credit?

The federal adoption tax credit can help offset your adoption costs. Here's what you need to know:

For 2026:

• The maximum adoption tax credit is approximately $16,810 per child (adjusted annually for inflation)
• This is a per-child credit — if you adopt multiple children, you get the credit for each

Does it apply to stepparent adoption?

• The tax credit is primarily designed for non-stepparent adoptions (agency, international, foster care)
• Stepparent adoption expenses are generally NOT eligible for the federal adoption tax credit under current IRS rules
• However, your state may have its own adoption tax benefits — check with a tax professional

The good news: Stepparent adoption is already dramatically cheaper than other types of adoption:

• Our fee: $349 (vs. $20,000–$50,000+ for agency adoption)
• Total cost: Typically $650–$850 including court fees
• You save $4,600+ compared to hiring an attorney

Tax benefits you DO get after adoption:

• Claim the child as a dependent on your tax return
• Child tax credit eligibility
• Dependent care benefits

Consult a tax professional for your specific situation. Call us at (855) 924-0450 for adoption questions.