Average Daycare Cost in New Jersey 2026
Monthly and annual rates by age group, city, and care type
The average daycare cost in New Jersey is $1700/month for infants and $1270/month for preschool-age children in 2026. That's 38% above national avg for infant care ($1230 nationally). Toddler programs run $1500/month, school-age aftercare $1060/month. Home-based care averages $1350/month for infants. Scroll down to calculate your net cost after the federal tax credit and FSA savings.
Daycare Cost by Age Group in New Jersey
| Age Group | New Jersey |
|---|---|
| Infant (center) | $1700/mo |
| Toddler (center) | $1500/mo |
| Preschool (center) | $1270/mo |
| School-age (center) | $1060/mo |
| Infant (home-based) | $1350/mo |
Paying too much? 1 in 6 eligible families don't claim childcare subsidies.
Check New Jersey's income limits and CCDF eligibility. Takes 2 minutes.
What can you actually do about it?
You know what daycare costs in New Jersey. These tools help you figure out your next move.
Is working worth it in New Jersey?
Net income after daycare, taxes, and commute costs
Can you afford a baby in New Jersey?
Full first-year costs: daycare, medical, gear, lost income
Total cost to raise a child in New Jersey
Full 18-year estimate: daycare, housing, food, education
What programs do you qualify for?
CCDF, Head Start, pre-K, tax credits. One scan covers all of them
What Childcare Costs at Your Income
Enter your household income. See what % goes to childcare, whether you may qualify for subsidies, and your actual monthly cost after tax savings.
New Jersey area median: $99,000/year
% of Income
CCDF Subsidy
New Jersey's income limit: $11,353/month (family of 4). Max infant subsidy: $1,200/month.
Check eligibility →Your income is close to the $11,353/month limit. Eligibility depends on family size and other factors.
Check eligibility →CCDF limit for family of 4: $11,353/month. Federal tax credits still apply — see net cost below.
Tax credit guide →Net Monthly Cost
—
after federal tax credits
New Jersey vs National
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Typical US family pays ~20% of income on infant care at $75K. The HHS "affordable" benchmark is 7%.
See New Jersey income ratio data →IRS 2026 CDCTC rates used for net cost estimate. Subsidy eligibility is estimated — actual qualification depends on family size, work status, and provider availability. Consult a tax advisor for personalized advice.
New Jersey average monthly daycare costs
Infant (center)
$1700
38% above national avg
Toddler (center)
$1500
$18,000/year
Preschool (center)
$1270
$15,240/year
School Age
$1060
Before/after school care
Home-Based
$1350
Family home, infant rate
Nanny
$3,400
Full-time, statewide avg
Source: ACF Child Care Market Rate Survey, 2025. Statewide averages — urban areas typically run 20–35% higher.
How Does New Jersey Daycare Cost Compare to the National Average?
In 2026, infant center-based daycare in New Jersey averages $1700/month, which is 38% above the national average of $1230/month. New Jersey families pay $470/month more the typical American family for the same type of care.
| Age / Care Type | New Jersey |
|---|---|
| Infant — Center-Based | $1,700/mo |
| Toddler — Center-Based | $1,500/mo |
| Preschool — Center | $1,270/mo |
| School Age — Center | $1,060/mo |
| Infant — Home-Based | $1,350/mo |
| Nanny (Full-Time) | $3,400/mo |
How Much Does a Year of Daycare Cost in New Jersey?
Full-time infant center care in New Jersey costs $20,400/year in 2026. That is $5,640 more than the national average of $14,760/year. Costs drop as children age: toddler care runs $18,000/year and preschool $15,240/year.
Infant / year
$20,400
Toddler / year
$18,000
Preschool / year
$15,240
School Age / year
$12,720
Your Actual Cost After Tax Benefits
Gross cost isn't what you pay. The federal Child & Dependent Care Credit saves most families $600–$1,200/year. Add an FSA and you cut another $1,250–$1,900. Enter your income below.
Default: New Jersey area median (Census 2024 ACS)
Available through many employers. Reduces taxable income and FICA — worth more per dollar than the credit alone.
IRS 2026 DCTC rates. FSA savings include income + FICA (7.65%) tax reduction. Non-refundable credit — reduces tax owed, not a cash refund. Consult a tax advisor for your specific situation.
What Childcare Subsidies Are Available in New Jersey?
New Jersey participates in the federal CCDF (Child Care and Development Fund) program. A family of 4 earning up to $11,353/month (85% of state median income) may qualify for subsidized care. The maximum subsidy for infant care is up to $1,200/month.
At New Jersey's average infant rate of $1700/month, the maximum subsidy covers about 71% of the cost for qualifying families.
Common Questions About Daycare Costs in New Jersey
How much does daycare cost in New Jersey?
Infant center-based daycare in New Jersey averages $1700/month in 2026. That's $470 above the national average of $1230/month. Higher wages and cost of living push prices up. Toddler care runs $1500/month and preschool $1270/month.
What is the difference between center-based and home-based daycare in New Jersey?
Center-based infant care in New Jersey averages $1700/month; home-based (licensed family daycare) averages $1350/month — about 21% less. Home-based care typically has smaller groups and more flexible hours. Centers tend to offer more structured programs. Both are licensed by the state.
Is a nanny cheaper than daycare in New Jersey?
For one child, no. A full-time nanny in New Jersey averages $3,400/month versus $1700/month for center-based infant care. For two children sharing a nanny, the equation can flip — two daycare slots at $1700 each ($3,400/month) often exceeds a single nanny cost. Use the daycare vs nanny calculator to compare.
Does daycare get cheaper as my child gets older in New Jersey?
Yes — significantly. In New Jersey: infant care ($1700/month) → toddler care ($1500/month, 12% drop) → preschool ($1270/month, 25% drop from infant) → school age ($1060/month, 38% drop from infant). This pattern holds in every state — staffing ratio requirements loosen as children age. Once kindergarten starts, most families switch to New Jersey after-school care — see the school-district, YMCA, and private-program rates, or the national after-school care cost guide.
How Much Does Daycare Cost in Different New Jersey Cities?
Daycare costs in New Jersey vary widely by city. Urban areas like major metro centers typically run 20–35% higher than the statewide average of $1700/month for infant care. Below are city-level estimates based on local cost-of-living adjustments.
Gloucester City, NJ
$1470/mo infant
Jersey City, NJ
$1780/mo infant
Newark, NJ
$1650/mo infant
Paterson, NJ
$1870/mo infant
Or see all 100 cities across the US · compare cities side by side.
Get your local cost
Statewide averages vary a lot by ZIP code. Enter yours to see what daycare actually costs near you.
See all 50 states
Compare New Jersey against every other state — filter by age group and care type, sorted by cost.
Daycare cost by state →Daycare Cost Data by ZIP Code in New Jersey
Statewide averages vary a lot by ZIP code. See local daycare market data for the largest communities in New Jersey.
How Does New Jersey Compare to Nearby States for Daycare?
Infant center-based daycare in New Jersey costs $1700/month. Neighboring states range from $1200 to $1900/month for the same care type. If you live near a state line, the savings could add up to thousands per year.
Compare New Jersey Daycare Costs
Side-by-side state comparisons — see how daycare costs differ across state lines.
How Do Daycare Costs Change by Age in New Jersey?
Infant care is the most expensive at $1700/month in New Jersey. Costs drop as children age: toddler care averages $1500/month, preschool $1270/month, and school-age programs $1060/month. Click any age group to compare across all 50 states.
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