Is it worth going back to work?
See what a second income leaves after taxes, childcare and commuting.
Open calculator: Worth workingLocal childcare costs
Compare ages and care settings, then put the estimate beside your own budget.
Toddler care in a center
$21,977/ year
Source 2022 · CPI adjusted to August 2026
A planning estimate for one child. Current tuition and included services vary by provider.
Annual care ÷ $127,229 income. 2020–2024 ACS 5-year.
| Age group | Center | Home-based |
|---|---|---|
| Infant | $30,6222022 source | $20,2522022 source |
| Toddler | $21,9772022 source | $18,3242022 source |
| Preschool | $24,1882022 source | $20,3272022 source |
| School-age | $27,2962022 source | $16,7612022 source |
One child. Weekly × 52 ÷ 12 for monthly; weekly × 52 for annual. School-age coverage varies and often means care around school hours. Age definitions.
A little context
Highest price ranks first, for toddler center care. Ties use the same rank.
Population-weighted mean of available toddler center county medians.
$148,679 median family income, 2024 ACS. A separate comparison from household income.
Nearby places
Actual county neighbors from the Census adjacency file. These are estimates for each county’s market.
| County | Monthly estimate | Source year |
|---|---|---|
| Alameda County, CA | $2,733 | 2022 |
| Marin County, CA | $2,904 | 2022 |
| Sacramento County, CA | $1,838 | 2022 |
| San Francisco County, CA | $3,213 | 2022 |
| San Joaquin County, CA | $2,048 | 2022 |
| Solano County, CA | $2,244 | 2022 |
| Sonoma County, CA | $1,288 | 2022 |
Make it your budget
Open a calculator with this county’s estimate prefilled. Edit it to match your provider’s quote.
See what a second income leaves after taxes, childcare and commuting.
Open calculator: Worth workingCompare center, home-based care, a nanny and a nanny share—including employer taxes.
Open calculator: Daycare vs. nannyCompare federal tax benefits with the rules for 2025 and 2026.
Open calculator: FSA vs. tax creditCompare your income with published state limits and find the application.
Open calculator: Subsidy income checkHelp paying for care
The January 2025 federal table lists $8,712 per month as the initial income threshold for a family of four.
Current limits and other eligibility rules may differ.
See limits & applicationThe toddler center estimate is $1,831 per month. The underlying source is dated 2022 and is adjusted to August 2026 with the childcare CPI. Individual provider quotes vary.
The toddler home-based estimate is $1,527 per month, from a 2022 source adjusted to August 2026.
The county figure is a tuition benchmark. Deposits, registration, supplies, meals, late pickup and paid closures may be billed separately. Ask for a written payment schedule.
Annual center care divided by $127,229 median household income gives 17.3%. Income comes from 2020–2024 ACS 5-year. The periods differ, so this is an illustrative comparison, not a current household survey.
The state assistance page links to the current program. Income is only one part of eligibility; work or education, your child’s age, assets and available funding can also matter.
Retrieved 2026-10-01. The displayed figures are rounded; calculations use unrounded values.
| Age / setting | Source | Original weekly | CPI factor |
|---|---|---|---|
| Infant / center | DOL NDCP 2022 | $481.76 | × 1.222352 |
| Infant / home | DOL NDCP 2022 | $318.61 | × 1.222352 |
| Toddler / center | DOL NDCP 2022 | $345.76 | × 1.222352 |
| Toddler / home | DOL NDCP 2022 | $288.29 | × 1.222352 |
| Preschool / center | DOL NDCP 2022 | $380.54 | × 1.222352 |
| Preschool / home | DOL NDCP 2022 | $319.79 | × 1.222352 |
| School-age / center | DOL NDCP 2022 | $429.44 | × 1.222352 |
| School-age / home | DOL NDCP 2022 | $263.70 | × 1.222352 |
CPI: BLS CUUR0000SEEB03, August 2026 index 403.749, divided by the source-year annual index. NDCP values may be age-derived, converted, clustered or imputed. Read the method and limitations.
Income: 2020–2024 ACS 5-year, median household B19013 and median family B19113. Income is not CPI adjusted.
Subsidy: ACF January 2025 initial income table; confirm current rules through the state application.