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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
$11,285/ year
Source 2020 · CPI adjusted to August 2026
A planning estimate for one child. Current tuition and included services vary by provider.
Annual care ÷ $60,050 income. 2020–2024 ACS 5-year.
| Age group | Center | Home-based |
|---|---|---|
| Infant | $11,2852020 source | $8,4142020 source |
| Toddler | $9,7612020 source | $8,4142020 source |
| Preschool | $8,4142020 source | $8,4012020 source |
| School-age | $5,0492020 source | $4,2002020 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. 44 counties share this rank.
Population-weighted mean of available infant center county medians.
$79,018 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 |
|---|---|---|
| Hardin County, IL | $940 | 2020 |
| Johnson County, IL | $940 | 2020 |
| Massac County, IL | $940 | 2020 |
| Saline County, IL | $1,187 | 2022 |
| Williamson County, IL | $1,399 | 2022 |
| Livingston County, KY | $677 | 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 $5,850 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 $940 per month. The underlying source is dated 2020 and is adjusted to August 2026 with the childcare CPI. Individual provider quotes vary.
The infant home-based estimate is $701 per month, from a 2020 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 $60,050 median household income gives 18.8%. 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 2020 | $167.65 | × 1.294532 |
| Infant / home | DOL NDCP 2020 | $125.00 | × 1.294532 |
| Toddler / center | DOL NDCP 2020 | $145.00 | × 1.294532 |
| Toddler / home | DOL NDCP 2020 | $125.00 | × 1.294532 |
| Preschool / center | DOL NDCP 2020 | $125.00 | × 1.294532 |
| Preschool / home | DOL NDCP 2020 | $124.80 | × 1.294532 |
| School-age / center | DOL NDCP 2020 | $75.00 | × 1.294532 |
| School-age / home | DOL NDCP 2020 | $62.40 | × 1.294532 |
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.