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
$1,000/ 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 ÷ $69,595 income. 2020–2024 ACS 5-year.
| Age group | Center | Home-based |
|---|---|---|
| Infant | $1,0002022 source | $7252022 source |
| Toddler | $7202022 source | $6332022 source |
| Preschool | $7202022 source | $6332022 source |
| School-age | $3652022 source | $5492022 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 |
|---|---|---|---|
| Meigs County | $694 | $481 | 2022 |
| Monroe County | $694 | $481 | 2022 |
| Montgomery County | $1,121 | $821 | 2022 |
| Moore County | $694 | $481 | 2022 |
| Morgan County | $694 | $481 | 2022 |
| Obion County | $694 | $481 | 2022 |
| Overton County | $694 | $481 | 2022 |
| Perry County | $694 | $481 | 2022 |
| Pickett County | $694 | $481 | 2022 |
| Polk County | $694 | $481 | 2022 |
| Putnam County | $1,121 | $821 | 2022 |
| Rhea County | $694 | $481 | 2022 |
| Roane County | $694 | $481 | 2022 |
| Robertson County | $1,121 | $821 | 2022 |
| Rutherford County | $1,121 | $821 | 2022 |
| Scott County | $694 | $481 | 2022 |
| Sequatchie County | $694 | $481 | 2022 |
| Sevier County | $1,121 | $821 | 2022 |
| Shelby County | $1,121 | $821 | 2022 |
| Smith County | $694 | $481 | 2022 |
| Stewart County | $694 | $481 | 2022 |
| Sullivan County | $1,121 | $821 | 2022 |
| Sumner County | $1,121 | $821 | 2022 |
| Tipton County | $694 | $481 | 2022 |
| Trousdale County | $694 | $481 | 2022 |
| Unicoi County | $694 | $481 | 2022 |
| Union County | $694 | $481 | 2022 |
| Van Buren County | $694 | $481 | 2022 |
| Warren County | $694 | $481 | 2022 |
| Washington County | $1,121 | $821 | 2022 |
| Wayne County | $694 | $481 | 2022 |
| Weakley County | $694 | $481 | 2022 |
| White County | $694 | $481 | 2022 |
| Williamson County | $1,121 | $821 | 2022 |
| Wilson County | $1,121 | $821 | 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 $6,968 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 $1,000 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 $725 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 $69,595 median household income gives 17.2%. 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.