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.
Preschool care in a center
$721/ month
Source 2022 · CPI adjusted to August 2026
A planning estimate for one child. Current tuition and included services vary by provider.
Annual care ÷ $82,631 income. 2020–2024 ACS 5-year.
| Age group | Center | Home-based |
|---|---|---|
| Infant | $9172022 source | $1,0972022 source |
| Toddler | $9172022 source | $1,0972022 source |
| Preschool | $7212022 source | $9842022 source |
| School-age | $6272022 source | $7972022 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 preschool center care. Ties use the same rank.
Population-weighted mean of available preschool center county medians.
$102,163 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 |
|---|---|---|
| Allegan County, MI | $655 | 2022 |
| Barry County, MI | $795 | 2022 |
| Ionia County, MI | $706 | 2022 |
| Montcalm County, MI | $706 | 2022 |
| Muskegon County, MI | $641 | 2022 |
| Newaygo County, MI | $785 | 2022 |
| Ottawa County, MI | $871 | 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 $5,000 per month as the initial income threshold for a family of four.
Current limits and other eligibility rules may differ.
See limits & applicationThe preschool center estimate is $721 per month. The underlying source is dated 2022 and is adjusted to August 2026 with the childcare CPI. Individual provider quotes vary.
The preschool home-based estimate is $984 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 $82,631 median household income gives 10.5%. 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 | $173.20 | × 1.222352 |
| Infant / home | DOL NDCP 2022 | $207.14 | × 1.222352 |
| Toddler / center | DOL NDCP 2022 | $173.20 | × 1.222352 |
| Toddler / home | DOL NDCP 2022 | $207.14 | × 1.222352 |
| Preschool / center | DOL NDCP 2022 | $136.15 | × 1.222352 |
| Preschool / home | DOL NDCP 2022 | $185.75 | × 1.222352 |
| School-age / center | DOL NDCP 2022 | $118.46 | × 1.222352 |
| School-age / home | DOL NDCP 2022 | $150.55 | × 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.