Is it worth going back to work?
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
$395/ week
County sources 2022 · CPI adjusted to August 2026
A planning estimate for one child. Current tuition and included services vary by provider.
Annual care ÷ $89,062 income. 2020–2024 ACS 5-year.
| Age group | Center | Home-based |
|---|---|---|
| Infant | $3952022 source | $2192022 source |
| Toddler | $3552022 source | $1952022 source |
| Preschool | $3192022 source | $1982022 source |
| School-age | $2522022 source | $1842022 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 |
|---|---|---|---|
| Aitkin County | $927 | $936 | 2022 |
| Anoka County | $2,066 | $874 | 2022 |
| Becker County | $1,118 | $759 | 2022 |
| Beltrami County | $1,351 | $759 | 2022 |
| Benton County | $1,308 | $759 | 2022 |
| Big Stone County | $942 | $759 | 2022 |
| Blue Earth County | $1,118 | $759 | 2022 |
| Brown County | $927 | $759 | 2022 |
| Carlton County | $1,118 | $936 | 2022 |
| Carver County | $2,066 | $1,086 | 2022 |
| Cass County | $927 | $759 | 2022 |
| Chippewa County | $927 | $680 | 2022 |
| Chisago County | $1,243 | $936 | 2022 |
| Clay County | $1,118 | $936 | 2022 |
| Clearwater County | $1,160 | $653 | 2022 |
| Cook County | $1,308 | $1,086 | 2022 |
| Cottonwood County | $927 | $759 | 2022 |
| Crow Wing County | $1,118 | $759 | 2022 |
| Dakota County | $2,066 | $1,086 | 2022 |
| Dodge County | $1,118 | $724 | 2022 |
| Douglas County | $1,118 | $759 | 2022 |
| Faribault County | $927 | $786 | 2022 |
| Fillmore County | $927 | $724 | 2022 |
| Freeborn County | $1,118 | $653 | 2022 |
| Goodhue County | $1,308 | $936 | 2022 |
| Grant County | $1,118 | $653 | 2022 |
| Hennepin County | $2,066 | $1,086 | 2022 |
| Houston County | $1,160 | $759 | 2022 |
| Hubbard County | $1,308 | $759 | 2022 |
| Isanti County | $1,243 | $936 | 2022 |
| Itasca County | $1,160 | $936 | 2022 |
| Jackson County | $927 | $680 | 2022 |
| Kanabec County | $1,160 | $759 | 2022 |
| Kandiyohi County | $1,118 | $759 | 2022 |
| Kittson County | $885 | $680 | 2022 |
| Koochiching County | $1,160 | $680 | 2022 |
| Lac qui Parle County | $927 | $653 | 2022 |
| Lake County | $1,308 | $759 | 2022 |
| Lake of the Woods County | $1,351 | $998 | 2022 |
| Le Sueur County | $927 | $724 | 2022 |
| Lincoln County | $1,160 | $653 | 2022 |
| Lyon County | $1,160 | $653 | 2022 |
| McLeod County | $1,118 | $759 | 2022 |
| Mahnomen County | $942 | $759 | 2022 |
| Marshall County | $1,160 | $653 | 2022 |
| Martin County | $1,351 | $680 | 2022 |
| Meeker County | $1,118 | $653 | 2022 |
| Mille Lacs County | $1,308 | $759 | 2022 |
| Morrison County | $927 | $653 | 2022 |
| Mower County | $1,118 | $759 | 2022 |
| Murray County | $885 | $680 | 2022 |
| Nicollet County | $1,160 | $759 | 2022 |
| Nobles County | $1,160 | $653 | 2022 |
| Norman County | $1,160 | $680 | 2022 |
| Olmsted County | $2,066 | $936 | 2022 |
| Otter Tail County | $1,160 | $759 | 2022 |
| Pennington County | $1,160 | $759 | 2022 |
| Pine County | $1,118 | $759 | 2022 |
| Pipestone County | $927 | $680 | 2022 |
| Polk County | $1,160 | $653 | 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 $4,921 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 $1,711 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 $949 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 $89,062 median household income gives 23.1%. 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.