Daycare Cost: Indianapolis vs Memphis (2026)
Memphis infant center care runs $780/month — $220/month less than Indianapolis's $1000/month. That's $2,640/year per child.
Indianapolis, IN
$1000
infant/month
-$230 vs national avg
Memphis, TN
$780
infant/month
-$450 vs national avg
Indianapolis vs Memphis — All Care Types
Monthly costs. Green = lower cost. National average shown for context.
| Care Type | Indianapolis | Memphis |
|---|---|---|
| Infant — Center | $1,000/mo | $780/mo ✓ |
| Toddler — Center | $870/mo | $690/mo ✓ |
| Preschool — Center | $750/mo | $590/mo ✓ |
| School Age | $620/mo | $490/mo ✓ |
| Infant — Home | $770/mo | $610/mo ✓ |
| Nanny (Full-Time) | $2,200/mo | $1,930/mo ✓ |
Source: ACF Child Care Market Rate Survey + metro cost-of-living adjustment. 2026 estimates.
Annual Cost Impact
For infant center-based care, Memphis costs $9,360/year vs Indianapolis's $12,000/year.
Monthly savings
$220
Annual savings
$2,640
2-year infant care
$5,280
% difference
28%
Savings = Indianapolis cost minus Memphis cost. Infant center-based care only.
Affordability Index
Infant center care as a % of state median household income. Under 7% is considered affordable; over 10% is a heavy burden.
Indianapolis
16.3%
of $73k median income
Memphis
13.1%
of $71k median income
National Avg
18.3%
of $80.6k median income
Subsidy Availability (CCDF)
Federal Child Care and Development Fund eligibility thresholds by state. Families below the income limit may qualify for reduced-cost or free care.
Indianapolis, IN — CCDF
Check eligibility →Memphis, TN — CCDF
Check eligibility →CCDF thresholds vary by state and are updated annually. Verify current limits at childcare.gov.
Frequently Asked Questions
Is daycare cheaper in Indianapolis or Memphis?
Memphis is cheaper for infant center-based care at $780/month, vs. $1000/month in Indianapolis — a $220/month gap. Memphis wins on 6 of 6 care categories.
How much can I save on daycare moving from Indianapolis to Memphis?
Infant center-based care in Memphis runs $220/month less than in Indianapolis. Over a typical two-year infant care period, that's $5,280 saved — not counting toddler or preschool years.
How do both cities compare to the national average?
The national average for infant center-based care is $1230/month. Indianapolis is $230 below the national average, and Memphis is $450 below.
Related Comparisons
See full cost breakdown: Daycare in Indianapolis · Daycare in Memphis · All city comparisons