Daycare Cost: Memphis vs Philadelphia (2026)
Memphis infant center care runs $780/month — $540/month less than Philadelphia's $1320/month. That's $6,480/year per child.
Memphis, TN
$780
infant/month
-$450 vs national avg
Philadelphia, PA
$1320
infant/month
+$90 vs national avg
Memphis vs Philadelphia — All Care Types
Monthly costs. Green = lower cost. National average shown for context.
| Care Type | Memphis | Philadelphia |
|---|---|---|
| Infant — Center | $780/mo ✓ | $1,320/mo |
| Toddler — Center | $690/mo ✓ | $1,170/mo |
| Preschool — Center | $590/mo ✓ | $990/mo |
| School Age | $490/mo ✓ | $830/mo |
| Infant — Home | $610/mo ✓ | $1,020/mo |
| Nanny (Full-Time) | $1,930/mo ✓ | $2,860/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 Philadelphia's $15,840/year.
Monthly savings
$540
Annual savings
$6,480
2-year infant care
$12,960
% difference
69%
Savings = Philadelphia 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.
Memphis
13.1%
of $71k median income
Philadelphia
19.4%
of $82k 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.
Memphis, TN — CCDF
Check eligibility →Philadelphia, PA — 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 Memphis or Philadelphia?
Memphis is cheaper for infant center-based care at $780/month, vs. $1320/month in Philadelphia — a $540/month gap. Memphis wins on 6 of 6 care categories.
How much can I save on daycare moving from Philadelphia to Memphis?
Infant center-based care in Memphis runs $540/month less than in Philadelphia. Over a typical two-year infant care period, that's $12,960 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. Memphis is $450 below the national average, and Philadelphia is $90 above.
Related Comparisons
See full cost breakdown: Daycare in Memphis · Daycare in Philadelphia · All city comparisons