Deciding where to settle down can be a daunting task, and inflation has pushed the financial commitment of starting a family higher in recent years.
Of course, insurance costs are a major consideration when choosing where to plant roots as they vary greatly across the country. According to Bankrate, as of September 2025, the most expensive states for homeowners insurance were Nebraska ($6,366 annually), Louisiana ($6,274), Florida ($5,761), Oklahoma ($4,613) and Kansas ($4,402). States with the cheapest annual premiums included Vermont ($816), Alaska ($957), Delaware ($966), New Hampshire ($1,040) and West Virginia ($1,048).
However, there is significantly more to consider than just these costs before having children.
WalletHub recently compared the cost and healthcare accessibility as well as baby- and family-friendliness of all 50 U.S. states and the District of Columbia to determine the best place to have a child in 2025. These metrics included things like hospital birth costs, the average cost of childcare, health insurance premiums, the state of Medicaid expansion, infant mortality rate, food insecurity, hospital quality, parental leave policies, rates of postpartum depression and prenatal care access.
The states WalletHub ranked lowest in their list of the best places to start a family included Mississippi, Alabama, Nevada, South Carolina and Georgia.
Check out the slideshow above to see which states made their top-ten.
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