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Daycare vs Nanny Cost in Montana (2026)

Infant daycare in Montana averages $1,000/month. A full-time nanny costs $2,460/month including employer taxes — $1,460/month more for one child. With two kids, daycare runs $2,000/month while the nanny is $2,830/month. Two kids closes the gap significantly.

Daycare Center
Infant (0–12 mo) $1,000/mo
2 infants $2,000/mo
3 children $3,000/mo
Per-child rate multiplied by family size.
Nanny (all-in)
Take-home pay $2,200/mo
+Employer taxes $260/mo
Total cost $2,460/mo
Rates cover most kids. Marginal cost per additional child ~15%.

Personalized Cost Comparison

Daycare Center
$1,000
per month
$12,000/yr
Nanny (all-in)
$2,460
per month
$29,520/yr
Daycare saves $1,460/month with 1 child.

Monthly Cost by Family Size

Children Daycare Nanny Difference
1 child $1,000/mo $2,460/mo Daycare saves $1,460
2 children $2,000/mo $2,830/mo Daycare saves $830
3 children $3,000/mo $3,080/mo Daycare saves $80

Nanny costs include estimated 12% employer payroll taxes. 2-child nanny rate assumes ~15% premium over single-child rate.

Nanny tax required in Montana: When you pay a nanny more than $2,700/year, you become a household employer under IRS rules. You owe employer Social Security (6.2%), Medicare (1.45%), and FUTA (6% on first $7,000). Most states add workers' comp ($300–$700/year). The Montana nanny rates above include these obligations.

Nanny Rates in Montana Cities

Billings
Largest city; energy-sector families
$2,300/mo
nanny take-home
Missoula
University of Montana; outdoor-economy families
$2,200/mo
nanny take-home
Bozeman
Tech/remote-worker migration premium
$2,500/mo
nanny take-home

Add ~12% for employer taxes to get your total monthly cost.

Daycare Center

  • ✓ Peer socialization daily
  • ✓ Licensed & regulated
  • ✓ Backup care if teacher sick
  • ✓ Structured curriculum
  • ✗ Fixed schedule (7am–6pm)
  • ✗ Closed holidays
  • ✗ Per-child pricing

Nanny

  • ✓ Flexible hours & schedule
  • ✓ One-on-one attention
  • ✓ Care at home
  • ✓ Can help with chores
  • ✗ No backup if nanny sick
  • ✗ You're the employer (taxes)
  • ✗ Less peer interaction

Other Childcare Options in Montana

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Daycare vs Au Pair
Montana cost comparison
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Daycare vs Nanny by State

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