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See what a second income leaves after taxes, childcare and commuting.
Open calculator: Worth workingDaycare costs by state
A starting point across the state. Explore your county for the more local picture.
Infant care in a center
$1,749/ month
County sources 2022 · CPI adjusted to August 2026
A planning estimate for one child. Current tuition and included services vary by provider.
Annual care ÷ $103,678 income. 2020–2024 ACS 5-year.
| Age group | Center | Home-based |
|---|---|---|
| Infant | $1,7492022 source | $1,2312022 source |
| Toddler | $1,3182022 source | $1,0942022 source |
| Preschool | $1,3182022 source | $1,0942022 source |
| School-age | $1,2172022 source | $9792022 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.
Population-weighted mean of available county medians. Each county is adjusted before averaging. Coverage varies by age and setting; this is not an official statewide median.
Get closer to home
Each local page shows available age groups, source years, income context and nearby counties.
| County | Center | Home-based | Source year |
|---|---|---|---|
| Allegany County | $1,260 | $791 | 2022 |
| Anne Arundel County | $1,734 | $1,276 | 2022 |
| Baltimore County | $1,829 | $1,215 | 2022 |
| Calvert County | $1,713 | $1,267 | 2022 |
| Caroline County | $1,149 | $833 | 2022 |
| Carroll County | $1,713 | $1,267 | 2022 |
| Cecil County | $1,348 | $936 | 2022 |
| Charles County | $1,713 | $1,267 | 2022 |
| Dorchester County | $1,105 | $827 | 2022 |
| Frederick County | $1,721 | $1,173 | 2022 |
| Garrett County | $1,308 | $797 | 2022 |
| Harford County | $1,721 | $1,173 | 2022 |
| Howard County | $2,193 | $1,524 | 2022 |
| Kent County | $1,149 | $833 | 2022 |
| Montgomery County | $2,193 | $1,524 | 2022 |
| Prince George's County | $1,734 | $1,276 | 2022 |
| Queen Anne's County | $1,348 | $936 | 2022 |
| St. Mary's County | $1,348 | $936 | 2022 |
| Somerset County | $1,105 | $827 | 2022 |
| Talbot County | $1,348 | $936 | 2022 |
| Washington County | $1,348 | $936 | 2022 |
| Wicomico County | $1,105 | $827 | 2022 |
| Worcester County | $1,260 | $791 | 2022 |
| Baltimore City | $1,324 | $953 | 2022 |
Make it your budget
Use a calculator to compare costs with your own income and provider quotes.
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 $7,503 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 $1,749 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 $1,231 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 $103,678 median household income gives 20.2%. 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 | County sources 2022–2022 DOL NDCP | County aggregation | Adjusted per county |
| Infant / home | County sources 2022–2022 DOL NDCP | County aggregation | Adjusted per county |
| Toddler / center | County sources 2022–2022 DOL NDCP | County aggregation | Adjusted per county |
| Toddler / home | County sources 2022–2022 DOL NDCP | County aggregation | Adjusted per county |
| Preschool / center | County sources 2022–2022 DOL NDCP | County aggregation | Adjusted per county |
| Preschool / home | County sources 2022–2022 DOL NDCP | County aggregation | Adjusted per county |
| School-age / center | County sources 2022–2022 DOL NDCP | County aggregation | Adjusted per county |
| School-age / home | County sources 2022–2022 DOL NDCP | County aggregation | Adjusted per county |
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.