Dependent-care FSA
Employer plans may allow up to $5,000 per year in pre-tax contributions for eligible care (lower limit if married filing separately).
Infant center: $21,945/yr (18.4% of median income). Preschool: $13,020/yr.
By Sammy S. · Founder · AuthorUpdated for 2025
$21,945
$1,829
$13,020
$34,965
Infant center care ranks #4 nationally (highest = #1) and exceeds the $14,802 US average. Infant care is 18.4% of median family income—above the 7% HHS affordability benchmark. Two children in center care would consume about 29.4% of median income.
These programs may reduce out-of-pocket cost or taxes but do not change the market averages above. State credits and subsidies vary.
Employer plans may allow up to $5,000 per year in pre-tax contributions for eligible care (lower limit if married filing separately).
Federal credit may apply to a portion of work-related care expenses. Rules depend on income and qualifying expenses. Illustration only—see our child tax credit calculator for related context.
Center-based infant annual cost for jurisdictions that share a border with California. California infant care: $21,945 (18.4% of median income).
Annual totals divided by 12 (rounded). Providers may bill weekly or require deposits.
Infant center (monthly equiv.)
$1,829
per month (equiv.)
Preschool 4-yr center (monthly equiv.)
$1,085
per month (equiv.)
Two-child center (monthly equiv.)
$2,914
per month (equiv.)
California shows $21,945 per year for center-based infant care and $13,020 for a 4-year-old in center preschool, using the same 2025 compiled table as the nationwide hub.
Median family income in California is $119,071 in this dataset. Infant tuition therefore consumes 18.4% of that benchmark—affordability rank #5 (#1 = least affordable relative to income).
Open a compare page for dollar gaps with neighbors or destination states, or return to the hub to see where California sits on the full 51-jurisdiction list.
Price rank #4 and affordability rank #5 can differ. A state with moderate tuition can still strain budgets if local wages lag, or feel lighter if incomes are high.
HHS uses 7% of income as an affordability ceiling. California exceeds that threshold for one infant center slot at 18.4%. Adding preschool for a second child raises the burden to about 29.4%.
State pre-K, subsidies, and employer benefits are not subtracted from these averages. Check your state child-care agency and local CCAoA fact sheet for net copays.
Budget monthly cash flow using $1,829/mo infant and $1,085/mo preschool equivalents, then add registration fees, supplies, and summer gaps your center charges.
If your employer offers a dependent-care FSA, enrolling before the plan year can set aside up to $5,000 pre-tax for eligible care. Unused FSA dollars may forfeit—size contributions against realistic tuition.
The Child and Dependent Care Tax Credit uses different rules than the Child Tax Credit. Use our child tax credit calculator for related federal credit context; confirm CDCTC eligibility with IRS Publication 503 or a tax preparer.
Quick steps before treating statewide averages as your exact tuition quote.
| State | Infant / yr | % income | Rank |
|---|---|---|---|
| $21,840 | 17.9% | #5 | |
| $22,569 | 18.8% | #3 | |
| $21,167 | 20% | #6 | |
| $20,943 | 19.4% | #7 | |
| $20,677 | 17.5% | #8 | |
| $20,254 | 16.2% | #9 |
Compare any two states
Center-based infant and preschool costs with income burden.