#20 most affordable (out of 50 states)

Kentucky Daycare Affordability Score: A (16% of Income)

Kentucky ranks well below the national average. Infant daycare takes a smaller share of household income here than in most states.

20% more affordable than the national average.

State Daycare

$9,480/yr

Median Income

$60,183/yr

% of Income

15.8%

nat. avg 19.8%

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Kentucky gets a A for infant daycare affordability — 15.8% of median income. See your area: daycarecalc.com

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How the grade is calculated

We divide annual infant daycare by median household income to get the cost burden ratio. Then we compare Kentucky's ratio against the national average. Grades reflect how much more or less families pay here relative to what families pay nationally.

A+

25%+ cheaper

10–25% cheaper

0–10% cheaper

0–10% pricier

10–25% pricier

25%+ pricier

Sources: ACF Child Care Aware of America 2025; U.S. Census Bureau ACS 2023 (median household income).

Kentucky vs. national average

Kentucky 15.8% of income

National average 19.8% of income

Kentucky families spend $5,280/year less on infant daycare than the national average ($14,760/yr nationally vs. $9,480/yr here).

Kentucky infant daycare affordability: common questions

How affordable is daycare in Kentucky?

Kentucky earns a A for daycare affordability. Annual infant center care averages $9,480, which is 15.8% of the state's median household income of $60,183. That's 20% below the national average burden of 19.8%.

What is the average cost of daycare in Kentucky?

Full-time infant center-based daycare in Kentucky averages $790/month in 2026. Annual cost: $9,480. That's 15.8% of the state median household income.

Does Kentucky have childcare subsidy programs?

Kentucky participates in the federal CCDF program, which provides childcare subsidies for working families below the income threshold. Eligibility typically covers families earning up to 85% of the state median income. Apply through your county's social services office. The Dependent Care FSA (up to $5,000 pre-tax) and Child and Dependent Care Tax Credit ($600–$1,050/child) are available to all families regardless of state.

Why does Kentucky get a A for daycare affordability?

The grade reflects how much of the median household income goes toward full-time infant center care. Kentucky's ratio of 15.8% is 20% below the national average of 19.8%. The federal government defines affordable childcare as 7% of income or less — Kentucky, like most states, exceeds that benchmark.

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What does this mean for your family?

The grade is based on median income. Your actual cost burden depends on your specific income and situation. Use the calculator to see your numbers.

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