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.
School-age care in a center
$1,015/ month
Source 2020 · CPI adjusted to August 2026
A planning estimate for one child. Current tuition and included services vary by provider.
Annual care ÷ $84,829 income. 2020–2024 ACS 5-year.
| Age group | Center | Home-based |
|---|---|---|
| Infant | $1,1282020 source | $7712020 source |
| Toddler | $1,0832020 source | $7852020 source |
| Preschool | $1,0042020 source | $7852020 source |
| School-age | $1,0152020 source | $6172020 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 school-age center care. Ties use the same rank.
Population-weighted mean of available school-age center county medians.
$102,186 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 |
|---|---|---|
| Baltimore County, MD | $1,829 | 2022 |
| Carroll County, MD | $1,713 | 2022 |
| Harford County, MD | $1,721 | 2022 |
| Adams County, PA | $1,195 | 2020 |
| Cumberland County, PA | $1,349 | 2020 |
| Dauphin County, PA | $1,279 | 2020 |
| Lancaster County, PA | $1,512 | 2020 |
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 $5,200 per month as the initial income threshold for a family of four.
Current limits and other eligibility rules may differ.
See limits & applicationThe school-age center estimate is $1,015 per month. The underlying source is dated 2020 and is adjusted to August 2026 with the childcare CPI. Individual provider quotes vary.
The school-age home-based estimate is $617 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 $84,829 median household income gives 14.4%. 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 | $201.00 | × 1.294532 |
| Infant / home | DOL NDCP 2020 | $137.50 | × 1.294532 |
| Toddler / center | DOL NDCP 2020 | $193.00 | × 1.294532 |
| Toddler / home | DOL NDCP 2020 | $140.00 | × 1.294532 |
| Preschool / center | DOL NDCP 2020 | $179.00 | × 1.294532 |
| Preschool / home | DOL NDCP 2020 | $140.00 | × 1.294532 |
| School-age / center | DOL NDCP 2020 | $181.00 | × 1.294532 |
| School-age / home | DOL NDCP 2020 | $110.00 | × 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.