If you've started researching childcare in California, you've probably already felt that familiar knot in your stomach. The numbers can be startling, and it's easy to wonder how families make it work. You're not alone in that feeling, and you're not imagining things: California consistently ranks among the most expensive states for childcare in the nation.
But here's the thing: understanding what childcare actually costs, and why, puts you in a much better position to plan your budget and find options that work for your family. The sticker price at one daycare isn't necessarily what you'll pay, and there are more ways to make quality care affordable than you might realize.
This guide breaks down the real costs of daycare across California, from San Francisco to San Diego and everywhere in between. We'll look at how prices differ by your child's age, the type of care you choose, and where you live. More importantly, we'll cover the financial assistance programs and strategies that can help bridge the gap between what childcare costs and what your family can afford.
The average cost of daycare in California ranges from $1,200 to $2,800+ per month depending on your child's age, location, and type of care. Infant care is the most expensive, averaging $1,800-$2,800/month at centers. Home-based family childcare typically costs 20-30% less than center-based care. The San Francisco Bay Area and coastal urban regions have the highest costs, while the Central Valley and Inland Empire tend to be more affordable.
Your child's age is the single biggest factor affecting daycare costs. Younger children require more hands-on care, lower staff-to-child ratios, and specialized equipment, all of which drive prices higher. Here's what California families can expect to pay in 2026.
Infant care is the most expensive type of childcare, and in California, those costs can take your breath away. State regulations require a maximum ratio of one caregiver for every three or four infants, depending on the setting, which means providers need more staff per child. Add in the need for specialized equipment, more frequent diapering and feeding, and the intensive attention babies require, and you can see why costs are highest for this age group.
| Care Type | Monthly Cost Range | Annual Cost Range |
|---|---|---|
| Center-Based Infant Care | $1,800 - $3,200 | $21,600 - $38,400 |
| Home-Based Infant Care | $1,400 - $2,400 | $16,800 - $28,800 |
Keep in mind: Infant care spots are often the hardest to find, especially in high-demand areas. Many parents join waitlists during pregnancy. Limited availability can sometimes mean less room to negotiate on price, though it also means quality programs fill quickly.
Once your child turns one, you may see a slight decrease in costs, though toddler care remains expensive. California allows slightly higher ratios for toddlers (typically 1:4 or 1:6 depending on the age and setting), but toddlers still need significant supervision, help with feeding and toileting, and lots of active engagement.
| Care Type | Monthly Cost Range | Annual Cost Range |
|---|---|---|
| Center-Based Toddler Care | $1,500 - $2,800 | $18,000 - $33,600 |
| Home-Based Toddler Care | $1,200 - $2,200 | $14,400 - $26,400 |
Preschool-age children are the most affordable to care for in group settings. Higher allowable ratios (up to 1:12 for four-year-olds in some settings), greater independence in toileting and self-care, and the ability to engage in group activities all contribute to lower costs. This is also where you'll find the most options, including part-day preschool programs that can be significantly less expensive than full-day care.
| Care Type | Monthly Cost Range | Annual Cost Range |
|---|---|---|
| Center-Based Preschool (Full-Day) | $1,200 - $2,400 | $14,400 - $28,800 |
| Home-Based Preschool Care | $1,000 - $1,800 | $12,000 - $21,600 |
| Part-Day Preschool Program | $600 - $1,400 | $7,200 - $16,800 |
Good news: California's Transitional Kindergarten (TK) program is now available to all four-year-olds, providing free public school options. While TK typically runs on a school-day schedule, it can significantly reduce childcare costs for families with preschool-age children.
Where you live in California has a dramatic impact on what you'll pay for childcare. The state's diverse economy means costs can vary by 50% or more between the most and least expensive regions. Here's a breakdown of what to expect across different parts of the state.
The Bay Area consistently has the highest childcare costs in California and among the highest in the nation. High real estate costs, competitive wages, and strong demand all contribute to premium pricing. In San Francisco proper, along with much of the Peninsula and parts of the South Bay, expect to pay at the very top of the state's range.
| Age Group | Center-Based (Monthly) | Home-Based (Monthly) |
|---|---|---|
| Infant | $2,400 - $3,500 | $1,800 - $2,800 |
| Toddler | $2,200 - $3,200 | $1,600 - $2,500 |
| Preschool | $1,800 - $2,800 | $1,400 - $2,200 |
The East Bay (Oakland, Berkeley, and surrounding cities) tends to be slightly less expensive than San Francisco, though still well above state averages. The North Bay (Marin County) rivals San Francisco for highest costs.
Greater Los Angeles is a massive and economically diverse region. Costs in affluent Westside neighborhoods, Santa Monica, and beach communities often approach Bay Area levels, while the San Fernando Valley, South Bay, and eastern portions of LA County are somewhat more affordable.
| Age Group | Center-Based (Monthly) | Home-Based (Monthly) |
|---|---|---|
| Infant | $1,800 - $3,000 | $1,400 - $2,400 |
| Toddler | $1,600 - $2,600 | $1,200 - $2,100 |
| Preschool | $1,300 - $2,400 | $1,000 - $1,800 |
San Diego falls in the middle-to-high range for California childcare costs. Coastal communities like La Jolla and Del Mar are more expensive, while inland areas and North County offer more moderate pricing.
| Age Group | Center-Based (Monthly) | Home-Based (Monthly) |
|---|---|---|
| Infant | $1,700 - $2,800 | $1,300 - $2,200 |
| Toddler | $1,500 - $2,400 | $1,100 - $1,900 |
| Preschool | $1,200 - $2,200 | $900 - $1,600 |
California's capital region offers more moderate childcare costs than the major coastal metros. While not inexpensive by national standards, Sacramento-area families typically pay 15-25% less than their Bay Area counterparts.
| Age Group | Center-Based (Monthly) | Home-Based (Monthly) |
|---|---|---|
| Infant | $1,500 - $2,400 | $1,200 - $1,900 |
| Toddler | $1,300 - $2,100 | $1,000 - $1,700 |
| Preschool | $1,100 - $1,900 | $850 - $1,500 |
The Central Valley (Fresno, Bakersfield, Stockton, Modesto) and Inland Empire (Riverside, San Bernardino) generally have California's most affordable childcare. Lower real estate costs and cost of living translate to more accessible pricing for families.
| Age Group | Center-Based (Monthly) | Home-Based (Monthly) |
|---|---|---|
| Infant | $1,200 - $2,000 | $900 - $1,600 |
| Toddler | $1,000 - $1,800 | $800 - $1,400 |
| Preschool | $850 - $1,500 | $700 - $1,200 |
What to look for: Even within expensive regions, costs can vary significantly by neighborhood. Home-based family childcare programs often offer the best value, with costs 20-30% lower than centers while still providing licensed, quality care in smaller group settings.
One of the most significant choices you'll make is between center-based care and home-based (family) childcare. Each has distinct advantages, and the cost difference can be substantial.
Daycare centers are typically the most expensive option, but they offer certain advantages that some families prioritize:
Typical additional costs at centers: Registration fees ($50-$300), supply fees, field trips, and sometimes separate charges for meals or diapers. Annual rate increases of 3-5% are common.
Licensed family childcare homes offer care in a residential setting, typically with smaller groups and mixed ages. They usually cost 20-30% less than centers for comparable hours of care.
Keep in mind: When a family childcare provider is sick or takes vacation, you'll need backup care. Many providers build relationships with other local providers for coverage, but this is an important question to ask during your search.
Understanding what drives childcare pricing helps you evaluate whether a program's cost is reasonable and where you might find savings.
Labor is by far the biggest expense for childcare providers. California requires these minimum ratios:
Programs that maintain lower ratios than required will charge more, but may offer more individualized attention for your child.
Childcare programs need space, and California real estate prices directly impact what providers must charge. A center paying $15,000/month rent in San Francisco faces fundamentally different economics than one paying $4,000/month in Fresno.
Programs that employ teachers with higher education credentials and pay competitive wages typically charge more. This often correlates with quality, as better-compensated staff tend to stay longer and engage more with children. California has been increasing minimum wage requirements, which has contributed to rising childcare costs but also improved conditions for early childhood educators.
Full-time care (typically 9-10 hours/day, 5 days/week) costs more than part-time options. If your schedule allows, part-time care can significantly reduce costs. Some programs offer discounts for reduced schedules or have lower rates for shorter days.
Programs with NAEYC accreditation or specialized curricula (Montessori, Reggio Emilia, language immersion) often command premium prices. These programs may offer additional value, but accreditation alone doesn't guarantee a better fit for your child.
Some programs include meals, diapers, and supplies in their rates, while others charge separately. When comparing costs, make sure you're comparing apples to apples by accounting for all expenses.
California offers several programs to help families afford childcare. Eligibility requirements and availability vary, but it's worth exploring every option.
If you're receiving CalWORKs benefits (California's welfare-to-work program), you may qualify for subsidized childcare while you work or participate in approved activities. This program covers care while you're engaged in work, education, or training activities.
The Alternative Payment program provides subsidies for income-eligible working families who aren't receiving CalWORKs. You choose your own childcare provider (who must meet basic health and safety requirements), and the state helps cover the cost. Eligibility is based on family size and income, with priority given to families with the lowest incomes.
How to apply: Contact your local Resource and Referral agency (R&R) to learn about subsidized care options in your area. You can find your local R&R through the California Resource and Referral Network at rrnetwork.org or by calling 1-800-KIDS-793.
This state-funded program provides free or low-cost preschool for eligible three- and four-year-olds. CSPP programs operate through local school districts and community organizations. Income eligibility is based on state median income, and families experiencing homelessness or involved in child welfare receive priority.
These federally funded programs serve low-income families with children from birth to age five. Head Start programs provide comprehensive early childhood education along with health, nutrition, and family support services at no cost to eligible families.
California's universal TK program now serves all four-year-olds in the state, providing a free year of public school before kindergarten. While TK follows a school-day schedule (typically 8:30am-3pm), it can significantly reduce overall childcare costs for families with four-year-olds. Many schools also offer before- and after-school care for TK students at lower rates than full-day preschool.
If your employer offers a dependent care FSA, you can set aside up to $5,000 per year (or $2,500 if married filing separately) in pre-tax dollars for childcare expenses. This effectively gives you a discount equal to your marginal tax rate, typically saving families $1,000-$2,000 per year.
Both federal and California state tax credits help offset childcare costs. The federal credit provides 20-35% of qualifying expenses (up to $3,000 for one child or $6,000 for two or more), while California's credit provides additional relief for qualifying families.
Important: You cannot use both a dependent care FSA and claim the full tax credit for the same expenses. Generally, the FSA provides greater savings for most families, but consult a tax professional for your specific situation.
Even without qualifying for assistance programs, there are strategies to make childcare more affordable.
Licensed family childcare homes typically cost 20-30% less than centers while still meeting state licensing requirements. Many families find the smaller group sizes and consistent caregiver relationships are actually advantages, not compromises. The savings can add up to $400-$800 per month compared to center-based care.
If your work schedule allows any flexibility, part-time care can substantially reduce costs. Some families coordinate with other parents to share a nanny or split days between parents, grandparents, and paid care.
Many programs offer 5-15% discounts for second children. If you're planning to have multiple children in care simultaneously, this is an important factor in choosing a provider.
Beyond dependent care FSAs, some California employers offer childcare benefits like backup care programs, subsidies, or on-site care. Even if you don't think your employer offers anything, it's worth asking HR what might be available.
If your child turns four by September 1, they're eligible for free TK. While this doesn't cover full-day care, combining TK with before/after school programs is significantly cheaper than full-day private preschool.
Costs decrease as children get older. The highest expense comes during infancy, so if you can manage the first year or two, know that relief is coming. Some families use savings or family help to bridge the most expensive infant period.
Yes, childcare in California is expensive. That's not your imagination, and it's not something you should feel bad about struggling with. Even families with good incomes often find that childcare takes a significant portion of their budget, especially during the infant and toddler years.
But expensive doesn't mean impossible. By understanding what drives costs, exploring all your options for financial assistance, and making informed choices about the type of care that works for your family, you can find a path forward. The goal isn't necessarily finding the cheapest option; it's finding quality care you can afford and sustain.
Remember that childcare is temporary. The costs decrease as your child gets older, and eventually they'll enter the public school system. The investment you make now in quality care supports your child's development during their most formative years while allowing you to work and contribute to your family's financial stability.
You're doing great: The fact that you're researching costs and options shows you're approaching this decision thoughtfully. Whatever choice you make, it's the right one for your family if it allows your child to be safe, cared for, and loved while you do what you need to do.
Looking for childcare that fits your budget without compromising on quality? Wonderschool connects California families with licensed childcare providers, including home-based family childcare programs that often cost less than traditional centers while offering smaller groups and personalized attention.
Every provider on our platform has been vetted, and you can easily compare options, read reviews from other families, and see detailed information about programs, philosophies, and pricing before you reach out. Many of our providers accept subsidies and offer flexible scheduling options.
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