Daycare Cost: Philadelphia vs San Francisco (2026)
Philadelphia infant center care runs $1320/month — $1340/month less than San Francisco's $2660/month. That's $16,080/year per child.
Philadelphia, PA
$1320
infant/month
+$90 vs national avg
San Francisco, CA
$2660
infant/month
+$1430 vs national avg
Philadelphia vs San Francisco — All Care Types
Monthly costs. Green = lower cost. National average shown for context.
| Care Type | Philadelphia | San Francisco |
|---|---|---|
| Infant — Center | $1,320/mo ✓ | $2,660/mo |
| Toddler — Center | $1,170/mo ✓ | $2,370/mo |
| Preschool — Center | $990/mo ✓ | $1,920/mo |
| School Age | $830/mo ✓ | $1,630/mo |
| Infant — Home | $1,020/mo ✓ | $2,070/mo |
| Nanny (Full-Time) | $2,860/mo ✓ | $5,180/mo |
Source: ACF Child Care Market Rate Survey + metro cost-of-living adjustment. 2026 estimates.
Annual Cost Impact
For infant center-based care, Philadelphia costs $15,840/year vs San Francisco's $31,920/year.
Monthly savings
$1,340
Annual savings
$16,080
2-year infant care
$32,160
% difference
102%
Savings = San Francisco cost minus Philadelphia 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.
Philadelphia
19.4%
of $82k median income
San Francisco
31.2%
of $102k 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.
Philadelphia, PA — CCDF
Check eligibility →San Francisco, CA — 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 Philadelphia or San Francisco?
Philadelphia is cheaper for infant center-based care at $1320/month, vs. $2660/month in San Francisco — a $1340/month gap. Philadelphia wins on 6 of 6 care categories.
How much can I save on daycare moving from San Francisco to Philadelphia?
Infant center-based care in Philadelphia runs $1340/month less than in San Francisco. Over a typical two-year infant care period, that's $32,160 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. Philadelphia is $90 above the national average, and San Francisco is $1430 above.
Related Comparisons
See full cost breakdown: Daycare in Philadelphia · Daycare in San Francisco · All city comparisons