It is possible he's not ready. In that case, give him time to get used to the idea. You guys haven't even been married a year. Enjoy being together, just the two of you. You won't have that time again for another 18 or more years.
Also, you mentioned the financial aspect. Babies are expensive, especially early-on. Having a baby is very stressful and worrying about money is only going to put more pressure on both of you and put a strain on your relationship. What if he has to end up working more hours to make enough money? He won't be around as much.
Talk to him about what is holding him back and be willing to compromise. Maybe say that you will start trying once you have X amount of money saved or once you move into a larger place, for example. I know you want a baby now, but it's not all smiles and giggles. Make sure you are *both* ready in all aspects--emotionally, mentally, and financially. If he's not really ready yet, you shouldn't push him.
Good luck.