I don't know for sure what the costs are for a domestic (US) adoption, but if it's around $40,000, an international adoption most likely won't be much, if any, cheaper.
I am friends with a couple in their 30's who just adopted their 3rd child internationally, and the cost was about $40,000 (along with 2 trips to the child's birth country for court dates.) Of course, it can also depend on where you're adopting from and what agency you go through. I know the cost is extremely intimidating, but some agencies have funds and forms of financial aid for those who need it.
I don't know if I'm allowed to name my agency (a mod can surely delete this from my post), but I was adopted through Holt International Children's Services, and I believe in their work 200%. Holt was founded by Harry and Bertha Holt, a farming couple from Oregon, who had 6 children of their own, but adopted 8 more from Korea and started an orphanage there because they believe God was calling them to help children who were abandoned after the Korean War.
They based their organization on Isaiah 43:5 -- "Do not be afraid, for I am with you. I will bring your children from the east, and gather you from the west."
Today, Holt has active programs in 13 countries. Many of the people who work on their staff are Holt adoptees (or parents of Holt adoptees) themselves.
My parents are both a different race than I am but they are the best parents God could have ever hand-picked for me. (Not that we didn't have plenty of ups and downs, of course. But they are my Mom and Dad, without a doubt, and nothing could ever change that.)
God bless you and your husband in deciding if, how, and when you will be adding to your family through adoption.