There are plenty of questions when deciding to have a baby.

Are we ready for a huge commitment? Does my state allow a leave of absence from work? Are we physically and mentally prepared? Can I afford the cost of having a baby and afford everything once the child is here?

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Dieter Meyrl
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My wife Sierra and I recently welcomed our son into the world on Feb. 24 and it cost us a decent amount, even with insurance. Which led me to wonder: Just how expensive it is to have a baby in New Jersey compared to other states?

Most Popular Baby Names in Every State
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The average regular delivery in the United States costs around $4,700 with insurance and without insurance around $11,000 in 2021. C-sections births cost around $7,000 with insurance and $14,000 without it.

baby boy (Getty Stock)
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Now to New Jersey, and you may want to sit down before reading this. New Jersey is in a five-way tie for childbirth's most expensive state, coming in around $28,000 dollars. This is triple the national average. Only New York, California, Nevada, and Florida come close.

Baby girl sleeping in co-sleeper crib
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If $28,000 was not enough you still need to put the nursery together. According to momlovesbest.com after adding all toys, crib, dresser, changing pad, bassinet, and more together, you are looking to spend around $100,000.

baby boy playing with construction set
oksun70, Getty Stock / ThinkStock
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The bottom line is simple, New Jersey needs to fix their delivery cost. When you add to this everything else, from food to doctor's visits, it may seem a little overwhelming. However, this article is not meant to discourage you.

Baby Amari
Baby Amari (Newark Beth Israel Medical Center)
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Having a good support system is always helpful. Also, having a baby shower can drastically cut costs. Being a parent is tough but an experience I wouldn't change for the world. Wait till you are ready, have plenty of discussions, and best of luck!

KEEP READING: Here are the most popular baby names in every state

Using March 2019 data from the Social Security Administration, Stacker compiled a list of the most popular names in each of the 50 states and Washington D.C., according to their 2018 SSA rankings. The top five boy names and top five girl names are listed for each state, as well as the number of babies born in 2018 with that name. Historically common names like Michael only made the top five in three states, while the less common name Harper ranks in the top five for 22 states.

Curious what names are trending in your home state? Keep reading to see if your name made the top five -- or to find inspiration for naming your baby.

LOOK: The top holiday toys from the year you were born

With the holiday spirit in the air, it’s the perfect time to dive into the history of iconic holiday gifts. Using national toy archives and data curated by The Strong from 1920 to today, Stacker searched for products that caught hold of the public zeitgeist through novelty, innovation, kitsch, quirk, or simply great timing, and then rocketed to success.