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The Agriculture Department said Monday a middle income family with a child born in 2013 can expect to spend about $245,340 on that child for food, shelter and other expenses up to age 18, an increase of 1.8 percent from 2012.

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The USDA report found geographic variations in the cost of raising a child. They were the highest in the urban Northeast at $282,480, followed by the urban West at $261,330 and the urban Midwest at $240,570, which includes Iowa and South Dakota. The urban South came in the lowest at $230,610 for each child.

"It's pretty normal to be worried as to whether you can afford a child. I was worried about it. It's scary," said Becker, a father of two sons, who founded financial planning firm Mom and Dad Money in 2013. "Take the time to plan, take the time to figure out what it might cost, get the right things in place but if it's close . . . don't let the numbers scare you off if having a baby is something that is important to you. If you make the effort to prepare, it's going to have a way of working out."

Matt Becker, a financial planner from Pensacola, Fla., who focuses on working with new parents, said couples considering whether to have a baby can be sometimes overwhelmed by how much it might cost them to raise a child. He encourages soon to be parents to begin putting money aside even before the child is born to get a feel for how much the new arrival might cost them each month; a practice that also will help them build up savings in case of an unexpected emergency.

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The USDA report said that as families have more children their costs decline. A family with three or more children can spend 22 percent less per child than those with two children, a result of kids sharing toys and clothes and parents purchasing food in larger and more economical amounts. An estimated 4 million children are born in the United States annually.

The study also noted that families can expect to spend more as their income increases. A family earning less than $61,530 can expect to spend $176,550 on a child while homes earning more than $106,540 can expect to spend $407,820. Households in the Nike Red Jackets

The report, issued annually by the USDA since 1960, found expenses for housing were the single biggest expense, averaging about $73,600 or 30 percent of the total cost of raising a child, followed by childcare/education at 18 percent. The remainder went to food, transportation, health care, clothing and miscellaneous expenses during the same period. "Although children can be very expensive I think we need to keep in mind that they have many benefits. They're not just a Nike Hoodies Maroon

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lowest group spent 25 percent of their before tax income on a child, the middle 16 percent and those in the highest group 12 percent.

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in the budget."

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The Agriculture Department said Monday a middle income family with a child born in 2013 can expect to spend about $245,340 for food, shelter and other expenses up to age 18, an increase of 1.8 percent from 2012.

340 to raise a child born in 2013

Childcare costs have soared dramatically since the first report 53 years ago. Back then a middle income family could Nike Jacket Light have expected to spend $25,230 ($198,560 in 2013 dollars) to raise a child until the age of 18. Housing was the top cost for parents back then, too.

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