#50 most affordable (out of 50 states)

New York Daycare Affordability Score: F (29% of Income)

New York is among the least affordable places for infant daycare. Costs here take a significantly larger bite out of household income than almost anywhere else.

47% less affordable than the national average.

State Daycare

$22,800/yr

Median Income

$78,470/yr

% of Income

29.1%

nat. avg 19.8%

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New York gets a F for infant daycare affordability — 29.1% 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 New York'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).

New York vs. national average

New York 29.1% of income

National average 19.8% of income

New York families spend $8,040/year more on infant daycare than the national average ($14,760/yr nationally vs. $22,800/yr here).

New York infant daycare affordability: common questions

How affordable is daycare in New York?

New York earns a F for daycare affordability. Annual infant center care averages $22,800, which is 29.1% of the state's median household income of $78,470. That's 47% above the national average burden of 19.8%.

What is the average cost of daycare in New York?

Full-time infant center-based daycare in New York averages $1,900/month in 2026. Annual cost: $22,800. That's 29.1% of the state median household income.

Does New York have childcare subsidy programs?

New York 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 New York get a F for daycare affordability?

The grade reflects how much of the median household income goes toward full-time infant center care. New York's ratio of 29.1% is 47% above the national average of 19.8%. The federal government defines affordable childcare as 7% of income or less — New York, 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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