Galaxy S5 or S4? Help me choose topic

I am on AT&T and planning to upgrade from an old Galaxy S2.

The galaxy s4 costs about 19 per month on the AT&T Next 24 month plan, while the S5 runs 27 per month. In short, the S5 is about 0 more (over 24 months). Is the higher price of the S5 worth it?

Not a gamer and good camera is important. We have a new born so we do take quite a bit of pictures. Although I don't know if S5's camera is noticeably better.