Is a Costco membership worth it for two adults and a baby?

Yes — for two adults and a baby, a Costco membership is often worth it, especially if you’ll regularly buy formula, diapers, wipes, paper goods, gas, or other bulk household items there.

A simple way to think about it:

• Gold Star is $65/year.
• Executive is $130/year and includes a 2% reward on eligible Costco purchases.

If you expect to buy baby basics at Costco consistently, the membership can pay for itself pretty quickly. Families with infants often find the best value in:

• Formula
• Diapers and wipes
• Bulk household staples like paper towels, toilet paper, detergent, and snacks

For the Executive tier, it usually makes sense if you’ll spend about $3,250/year or more at Costco on eligible purchases, since 2% of $3,250 = $65, which covers the extra cost versus Gold Star.

Bottom line: If you’re going to use Costco regularly for baby supplies and everyday essentials, it’s usually a good value. If you’d mostly go for occasional trips, the basic membership — or waiting to compare a few months of spending first — may be the safer choice.

Membership fees and pricing can change, so it’s worth checking Costco’s current official membership terms before signing up.