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Top 10 States Where Childcare Costs Now Exceed Rent

June 1, 2025 | Leave a Comment

Top 10 States Where Childcare Costs Now Exceed Rent

For families across the U.S., the rising price of childcare is more than an inconvenience—it’s a crisis. In some states, childcare costs have officially surpassed rent, making it harder for parents to balance their budgets, plan for the future, or even stay in the workforce. With infant care rivaling mortgage payments and daycare fees draining entire paychecks, families are being forced to make difficult choices about their careers, finances, and living situations. If you’re wondering whether your state is one of the hardest hit, these numbers will give you a clearer picture—and possibly a serious case of sticker shock.

1. Massachusetts

Massachusetts consistently ranks among the most expensive states for both housing and childcare costs, but in recent years, childcare has taken the lead. The average annual cost for infant care exceeds $26,000, while the median rent for a two-bedroom apartment falls just below that. Dual-income households often find that one paycheck goes entirely toward daycare expenses. For single parents, affording childcare without assistance is nearly impossible. Despite statewide efforts to expand early childhood funding, the gap continues to grow.

2. California

In California, the average monthly cost of full-time infant care can top $1,800, while many families in the most affordable suburban and rural areas pay far less in rent. The state’s high cost of living is no secret, but the added burden of childcare costs pushes many parents to rely on grandparents, unlicensed caregivers, or reduce work hours. Urban centers like San Francisco and Los Angeles are especially impacted, with care centers charging premium rates and long waitlists. The struggle between affording childcare or housing isn’t hypothetical—it’s happening daily for thousands of families.

3. New York

In many parts of New York, particularly upstate or in suburban areas, rent is significantly lower than what families pay for childcare. Infant care averages over $1,400 a month, while rents in cities like Albany or Rochester can be hundreds of dollars less. Even in New York City, where both rent and care costs are sky-high, some families report spending more on daycare than on their mortgage or rent. The financial stress has pushed many parents to delay returning to work or seek under-the-table childcare arrangements. Despite being a hub for policy innovation, the affordability crisis remains unchecked.

4. Oregon

Oregon is another state where families are feeling the pinch, with childcare costs outpacing rent in many regions. Infant care can cost upwards of $19,000 per year, while the average rent for a two-bedroom apartment is slightly lower. The shortage of licensed providers adds another layer of stress, forcing parents to settle for costlier or less convenient options. In rural communities, families may have to drive over an hour for care that still drains their budget. Oregon parents are pushing for more accessible subsidies, but the demand still outweighs the supply.

5. Washington

In Washington, especially in areas like Seattle, the cost of childcare far outpaces what many families spend on rent. Infant care routinely exceeds $1,700 per month, while average rental prices in more affordable regions remain below that threshold. This imbalance has made it difficult for middle-income families to thrive, despite earning more than minimum wage. Many working parents find themselves ineligible for subsidies but unable to cover expenses without going into debt. It’s a classic example of being financially stable on paper, but drowning in reality.

6. Vermont

Despite its reputation for progressive policies, Vermont’s childcare costs are surprisingly steep. Families with infants pay over $18,000 annually for care, more than what the average household spends on housing. The state has made efforts to subsidize early education, but many families still fall through the cracks. The lack of available providers adds competition and drives prices even higher. In Vermont, quality care exists—but only if you can afford it.

7. Colorado

Colorado families are facing a widening affordability gap as rent stabilizes but childcare costs continue to rise. The average cost for infant care in the state is just under $1,850 per month, exceeding rent in many suburban and mountain towns. Areas like Boulder and Denver are particularly difficult, where long waitlists and staffing shortages drive prices even higher. Parents often face the impossible choice between career advancement and staying home to care for children. The state has introduced pilot programs, but most families are still feeling the squeeze.

8. Minnesota

Minnesota has one of the highest childcare costs in the Midwest, with families often paying more than $22,000 per year for infant care. Compared to average rent across the state, which is notably lower in rural and suburban areas, childcare takes the financial lead. Many parents describe feeling punished for working, as most of their income vanishes into daycare fees. While state assistance programs exist, they don’t cover middle-income families who still struggle to make ends meet. It’s a growing problem with no simple fix.

9. Connecticut

In Connecticut, childcare costs regularly exceed rent, especially in more affordable parts of the state. Parents pay around $1,650 per month for full-time infant care, with average rent in some areas being notably below that figure. The high cost of living, combined with stagnant wages and limited childcare options, has left many families in a bind. Even well-off households feel the burden when adding multiple children into the mix. For many, it’s not a question of whether to cut costs—it’s where.

10. Hawaii

Living in paradise comes with a steep price, especially for families with young children. In Hawaii, average infant childcare costs are nearly $1,800 per month, which rivals or exceeds rent in many local communities. With a limited number of licensed providers and high living expenses overall, families often rely on informal care networks or reduce working hours. Some even move off-island due to affordability concerns. In Hawaii, the cost of care affects not just budgets, but entire life decisions.

When Rent Isn’t the Biggest Bill

If you thought rent was your largest monthly expense, childcare may have already passed it—quietly and consistently. The rising cost of care doesn’t just affect families’ wallets. It shapes how they work, live, and grow. These ten states are just the start of a national pattern that demands more attention, better policy, and real support for working parents. Until that happens, families will keep facing impossible trade-offs.

Do childcare costs exceed your rent? How are you navigating the financial pressure? Share your experience in the comments—we want to hear from you.

Read More:

Parents Are Burning Out Trying to Afford ‘Good’ Childcare

Why Some Parents Are Giving Up Childcare Altogether

Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Budgeting Tagged With: Affordable Childcare, childcare costs, Cost of Living, Family Finance, parenting challenges, rent vs childcare, State Comparisons, working parents

The Unseen Burden: 10 States Where Childcare Costs Are Exploding

June 25, 2024 | Leave a Comment

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Raising a child is one of life’s most rewarding experiences, but it’s also one of the most expensive. Across the United States, many parents are feeling the pinch of rising childcare costs, which can consume a significant portion of the family budget. Let’s dive into the ten states where childcare expenses are skyrocketing, impacting family finances and decisions.

1. Massachusetts

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In Massachusetts, childcare costs are among the highest in the nation. Families can expect to spend upwards of $20,000 annually on childcare for an infant, which is a substantial chunk of the median household income. This high cost is driven by a combination of high living standards and stringent state regulations for childcare providers. Many parents find themselves weighing the cost against their income, sometimes choosing to stay home because it’s financially prudent. The state is exploring subsidies and other methods to ease this burden, but progress is slow.

2. New York

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New York is another state where childcare costs are soaring. In cities like New York City, the expenses can be particularly overwhelming, often exceeding $24,000 per year for a single child. The high demand and stringent standards for quality childcare contribute to these costs. Many families in the Empire State spend more on childcare than on rent, prompting calls for more robust state-funded programs. The situation stresses the importance of finding a balance between quality care and affordability.

3. California

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California’s childcare costs mirror its high cost of living, especially in metropolitan areas such as San Francisco and Los Angeles. On average, parents in California might pay between $14,000 and $16,000 per year for childcare. The state has been proactive in addressing this issue, with initiatives aimed at increasing subsidies for low-income families and boosting the number of qualified childcare providers. However, for many middle-class families, these costs still represent a significant financial challenge. The state’s diverse economy doesn’t always match the regional cost of living, making childcare affordability a pressing issue.

4. Minnesota

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Minnesota might not be the first state that comes to mind when thinking about high childcare costs, but it ranks high nationally. Average childcare expenses can reach up to $16,000 annually, which is a considerable expense for most families. The state offers various assistance programs, but the eligibility requirements often leave a gap in coverage, affecting many middle-income families. Additionally, the rural areas face a unique challenge with fewer available childcare options. The state government is continuously looking for ways to expand access and affordability.

5. Illinois

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In Illinois, particularly in Chicago, childcare costs are significant. Parents can expect to pay around $13,000 per year for quality childcare. The high costs are exacerbated by the urban setting where demand for childcare services is high, and the living cost is higher than in rural areas. Illinois has been working on legislation to cap childcare costs based on a percentage of family income, which could provide relief for many. Still, the day-to-day reality leaves many parents struggling to balance work and family life.

6. Washington

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Washington state has seen a dramatic rise in childcare costs, especially in tech-heavy areas like Seattle. The influx of high-income workers has driven up the cost of living, including childcare, which can average $15,000 annually. While the state has a robust economy, the unequal distribution of wealth affects the affordability of childcare. Washington is experimenting with innovative solutions like employer-supported childcare credits. However, for now, many parents are left juggling high costs with the need for quality care.

7. Colorado

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Colorado’s booming economy and growing population have led to increased childcare costs, particularly in Denver and Boulder. Parents in these cities might pay between $14,500 and $15,000 per year on childcare. The state is actively addressing the issue through enhanced funding for childcare centers and subsidies for families. Nevertheless, the rapid population growth continues to put pressure on available services, keeping costs high. This dynamic makes it challenging for young families looking to settle in the state.

8. Virginia

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In Virginia, particularly in the Northern Virginia region close to Washington D.C., childcare costs are substantial. The proximity to the capital and the high concentration of government and tech jobs drive up the average income, and consequently, the cost of services like childcare. Families can spend upwards of $14,000 annually, which competes with housing as their largest expense. The state has recognized the growing problem and is looking to increase state-funded childcare options. Meanwhile, many parents find themselves choosing between career and caregiving.

9. Maryland

 

Maryland faces similar challenges to neighboring Virginia, with high childcare costs concentrated especially in the Baltimore-Washington metropolitan area. The cost can reach around $13,500 annually, placing a significant strain on family budgets. Maryland has been proactive in expanding pre-kindergarten programs to reduce the burden on parents of toddlers. However, for infants and young children, the options remain costly. The state continues to explore ways to support families in balancing work and

childcare.

10. Oregon

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Oregon, particularly in Portland, sees high childcare costs with averages around $14,000 per year. The state’s vibrant urban centers attract young families, but many are caught off guard by the high costs of childcare. Oregon has made strides in funding childcare options and offering tax benefits to parents. Yet, the demand often outstrips the supply, keeping prices high. The state is looking into more sustainable solutions to support its growing population of young families.

A National Conversation

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Across the United States, the rising cost of childcare remains a pivotal issue for families. While each state faces unique challenges, the common thread is the need for affordable, quality childcare that supports families and the economy. Addressing this issue requires innovative solutions, both at state and national levels. As we continue to navigate these challenges, it’s clear that supporting families with affordable childcare options is essential for a healthy society.

Vanessa Bermudez
Vanessa Bermudez
Vanessa Bermudez is a content writer with over eight years of experience crafting compelling content across a diverse range of niches. Throughout her career, she has tackled an array of subjects, from technology and finance to entertainment and lifestyle. In her spare time, she enjoys spending time with her husband and two kids. She’s also a proud fur mom to four gentle giant dogs.

Filed Under: Parenting Tagged With: Affordable Childcare, childcare costs, Economic Challenges, Family Budgeting, State Comparisons

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Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
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