In-home daycare — or family daycare, as it is also commonly known — is child care service in a caregiver’s home rather than in a commercial daycare center.
In-home daycare services can range from informal arrangements, like the retired neighbor who watches a handful of local children in her home, to a more formal environment offering state-licensed and accredited programming led by a caregiver with a degree in early childhood education.
According to a Care’s 2024 Cost of Care Survey, 60% of families spend 20% or more of their household income on child care, and the survey reflects that those costs are rising each year. The U.S. Department of Health and Human Services (HHS), it should be noted, states that child care is considered affordable when it costs families no more than 7% of their household income
Breaking down the cost for families
Christine Furgason, 49, owns and operates Christine’s Childcare in Greenwood Village, Colorado, where, as a licensed provider, she’s allowed to care for up to six children in her home. However, she said her personal preference is to care for up to four children maximum.
“If you are able to find good home daycare, it’s way better because as a parent you have more flexibility, there’s less turnover, less risk for children to get sick, and more bonding takes place in a home setting,” Furgason said. “With a small group like this, we can do field trips and I can show them the world outside these four walls. That’s more difficult to do in a center.”
She said she provides the children in her care with breakfast, lunch and snacks, which include organic fruits and vegetables, as well as organic milk. She also provides some extras like wipes and sunscreen, while parents are responsible for diapers. Furgason’s hours are Monday through Thursday 7:30 a.m. to 5 p.m. and until 4:30 p.m. on Fridays. Parents pay $325 a week ($65 daily), or $75 a day for part-time care. On the few occasions when Furgason cannot personally be at work — like when her own son graduated from kindergarten — she’ll enlist the help of a local mother who is a licensed social worker.
Yelena Boguslavsky, said she first learned of a local home daycare in her neighborhood in Brooklyn, New York, through a trusted co-worker and enrolled her son in the program when he was 13 months old. The program runs daily from 7:30 a.m. to 4:15 p.m., though hours run until 6 p.m. According to Boguslavsky, there are two head teachers along with an assistant to care for approximately 16 children.
“The daycare provides all the meals — breakfast, lunch, snack and another snack for the children that are picked up after 5 p.m.,” said Boguslavsky, who pays $50 a day for a total of $1,040 per month, or $12,480 annually.
Parents are responsible for the diapers at Boguslavsky’s son’s daycare, as well as any ointment the child may need, while the program provides the wipes.
“[Home daycare] was highly recommended, and the pricing was affordable compared to the daycare centers in the area,” she said.
While home daycare is typically the least costly option for families (besides free care, of course), pricing can vary widely based on a number of factors including where you live, your provider’s experience and whether they’re licensed by the state, what services will be provided, and the age and needs of your child or children.
Determining factors of daycare costs
Nationally, the posted in-home child care rate averages $18.81 per hour, according to Care.com’s Cost of Care Calculator, but many factors can affect cost. Here are the factors that most often go into the cost of in-home daycare.
Location
Where you live will strongly determine how costly these services can be. In-home daycare in small, rural towns will generally be more affordable than in big, metropolitan cities. Here are some examples of posted in-home care rates based on location.
Current posted in-home child care rates in top U.S. cities*
| City, State | Hourly In-Home Rate |
|---|---|
| Atlanta, Georgia | $20.69/hr |
| Brooklyn, New York | $22.38/hr |
| Charlotte, North Carolina | $18.90/hr |
| Chicago, Illinois | $20.46/hr |
| Denver, Colorado | $21.58/hr |
| Houston, Texas | $17.90/hr |
| Miami, Florida | $20.44/hr |
| Orlando, Florida | $18.19/hr |
| Philadelphia, Pennsylvania | $19.53/hr |
| Phoenix, Arizona | $20.06/hr |
| Portland, Oregon | $20.28/hr |
| San Antonio, Texas | $16.92/hr |
| San Diego, California | $21.65/hr |
| Seattle, Washington | $25.16/hr |
| Washington, D.C. | $20.92/hr |
Provider experience
Pricing will vary based on your chosen provider’s experience. For example, is the caregiver a local mom or friend with some babysitting experience under her belt? Or does the caregiver have a master’s degree in early childhood education and certifications in CPR, first aid and emergency preparedness? The more certifications and formal education the caregiver has will likely be reflected in the cost of care.
Licensing and accreditation status
A licensed and accredited in-home child care provider will typically cost more due to their overhead costs versus a local mom who watches two children along with her own and isn’t licensed. Working with a licensed practitioner is an important factor to consider when employing a caregiver. Having a license means providers must abide by certain caregiver/child ratios, space requirements, and safety regulations. Without a license, caregivers may not be required to do so and are not regulated by any governing body.
Child’s age
Is your child a newborn or infant who needs to be fed, burped and have their diaper changed throughout the day? If your answer is “yes,” this could be the costliest age in terms of care, as infants require the most attention. Once a child turns 2 years old, child care costs generally decrease.
Meals
Will your caregiver provide a nutritious breakfast, lunch and snacks for your child? If so, be prepared for those meals to be factored into your overall child care cost. If you plan or are required to provide your own food for your child, you might pay less, depending on the policies.
Supplies
The more the caregiver has to provide, in most instances, the costlier the service. Are you required to supply baby wipes and other related supplies or will they be provided by your caregiver?
All these factors and more — depending on your specific situation — come into play when it comes to the overall cost of in-home daycare.
