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.
Infant care in a center
$25,722/ year
Source 2022 · CPI adjusted to August 2026
A planning estimate for one child. Current tuition and included services vary by provider.
Annual care ÷ $93,074 income. 2020–2024 ACS 5-year.
| Age group | Center | Home-based |
|---|---|---|
| Infant | $25,7222022 source | $14,6942022 source |
| Toddler | $15,1382022 source | $13,6942022 source |
| Preschool | $11,9962022 source | $12,9622022 source |
| School-age | $6,8572022 source | $11,3942022 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 infant center care. Ties use the same rank.
Population-weighted mean of available infant center county medians.
$103,984 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 |
|---|---|---|
| La Paz County, AZ | $993 | 2022 |
| Imperial County, CA | $1,175 | 2022 |
| Orange County, CA | $2,085 | 2022 |
| San Bernardino County, CA | $2,035 | 2022 |
| San Diego County, CA | $2,009 | 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 infant center estimate is $2,144 per month. The underlying source is dated 2022 and is adjusted to August 2026 with the childcare CPI. Individual provider quotes vary.
The infant home-based estimate is $1,225 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 $93,074 median household income gives 27.6%. 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 | $404.68 | × 1.222352 |
| Infant / home | DOL NDCP 2022 | $231.18 | × 1.222352 |
| Toddler / center | DOL NDCP 2022 | $238.16 | × 1.222352 |
| Toddler / home | DOL NDCP 2022 | $215.45 | × 1.222352 |
| Preschool / center | DOL NDCP 2022 | $188.73 | × 1.222352 |
| Preschool / home | DOL NDCP 2022 | $203.92 | × 1.222352 |
| School-age / center | DOL NDCP 2022 | $107.88 | × 1.222352 |
| School-age / home | DOL NDCP 2022 | $179.26 | × 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.