How This Tool Works
We compare your monthly rate against ACF (Administration for Children and Families) market rate survey data for your state. The data covers center-based and family home-based care across four age groups: infant, toddler, preschool, and school age.
Your percentile shows where you fall relative to all 50 states plus DC. If you're at the 75th percentile, your rate is higher than what families pay in 75% of states. That doesn't mean you're getting ripped off. It means your state is expensive.
High Rate Doesn't Always Mean Overpaying
States with expensive daycare usually have stricter licensing requirements. Massachusetts requires 1 caregiver per 3 infants. Mississippi requires 1 per 5. More staff per kid costs more. The care your child receives in a high-cost state often reflects those higher standards.
Within your state, rates vary by neighborhood, program quality, and hours of operation. A rate 10-15% above your state average is normal for centers in metro areas with extended hours or low ratios. Over 25% above average and it's worth shopping around.
Ways to Lower Your Cost
If you are overpaying, four moves make the biggest difference. Check your CCDF subsidy eligibility. A family of four earning under $5,500/month in Florida qualifies for up to $700/month in assistance. Second, compare center vs family home daycare. Licensed home-based care runs 20-35% less than centers in most states with comparable safety records. Third, use a Dependent Care FSA if your employer offers one. $5,000 pretax saves $1,250+ at most tax brackets. And check for free state preschool programs if your child is 3 or 4.