How much does daycare cost per month?

The average cost of full-time daycare center care in the US is approximately $1,150-$1,450 per month, depending on the child's age. Infant care is the most expensive, and costs vary significantly by region — from $800/month in rural areas to $2,000+ in major metro areas.

Is a nanny cheaper than daycare?

A full-time nanny typically costs more than daycare ($2,600-$2,800/month on average), but a nanny share — splitting a nanny with another family — can be comparable to center-based care at around $1,600-$1,800/month per family.

Childcare Cost Calculator

Estimate monthly and annual childcare costs by care type, child age, region, and hours per week. Compare options side by side.

Type of care

Child's age

Region

Hours/week

Estimated Cost — Daycare Center

Monthly

$1,450

Annual

$17,400

Based on 40 hours/week in National Average for an infant.

Compare All Options

Type	Monthly	Annual
Daycare Center	$1,450	$17,400
In-Home Daycare	$1,000	$12,000
Nanny (Full-Time)	$2,800	$33,600
Nanny Share	$1,800	$21,600
Au Pair	$1,600	$19,200

Daycare Center

Licensed facility with structured programs, multiple caregivers, and age-grouped classrooms.

Pros

Structured learning environment
Licensed and regulated
Socialization with peers
Reliable schedule — won't call in sick

Cons

Higher exposure to illness
Less individual attention
Fixed hours — less flexibility
Often have waitlists

Tax Benefits & Savings

Child and Dependent Care Tax Credit

Up to $1,050 for one child, $2,100 for two+

Federal tax credit for child care expenses while you work or look for work. Covers up to $3,000 in expenses for one child or $6,000 for two or more. Credit is 20-35% of expenses depending on income.

Dependent Care FSA

Up to $5,000/year pre-tax

If your employer offers a Dependent Care Flexible Spending Account, you can set aside up to $5,000 pre-tax for childcare. This reduces your taxable income. Cannot be combined with the full tax credit.

Employer Childcare Benefits

Varies

Some employers offer childcare subsidies, backup care programs, or on-site daycare. Check with your HR department.

Costs are estimates based on national averages and may vary significantly by specific city, provider, and care arrangement. Tax information is for general reference — consult a tax professional for your specific situation.

Sources