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What Is the Cost of Child Care?
Finding someone to care for your child is a daunting task. Finding the right person to trust is even more difficult. You only want the best for your loved one and a childcare provider can offer a safe, warm and nurturing environment. And in this modern world where finances are tight, learning the costs of childcare is imperative to help you plan for the extra expense.
Important Factors
where you live
Child care varies from city to city. Therefore, your geographic location is the number one factor in determining the cost of childcare. Rates are based on a certain city’s cost of living, population, annual salary income, unemployment and modernism. States with the least expensive child care costs are Alabama, Idaho, North Dakota, South Carolina and Texas. While states with very expensive child care costs are California, Illinois, Maryland, Minnesota, New York, Pennsylvania, Washington and Wisconsin.
Toddler age
Age is another consideration. Child care costs for babies from 0 to 11 months are more affordable because less work is required in a child care provider. All the caregiver has to do is feed, bathe, change the diapers and put the baby to sleep. For toddlers from 1 to 4 years old or for those in their preschool years, the cost is higher. At this point, taking care of children is a bigger responsibility because caregivers have to prepare meals, help with your toddler’s homework, and stay up late to wait for you to come home. Besides, it is not an easy job to run after a hyper child and manage other household chores at the same time.
Operating Hours
Whether your little one’s provider is a stay or outside carer, an establishment or a relative, the hours dedicated to looking after your child are scrupulously observed. Some providers may have a fixed salary while others may not. This depends on the agreed schedule of the parents and the provider.
The Type of Child Care Provider
Day Centers
The cost of day care still depends on where you live and the quality of the day care center. In most cases, a day care center costs anywhere from $10 to $40 an hour. Since it is a professional center, you are not only paying for the services of the caregivers but you are also paying for the operating cost of the daycare and their reliability.
Typically, day care centers for babies and toddlers are very expensive because children at this age involve more hands-on care and one-on-one attention. Additionally, day care accepts 25 to 30 children in a single class which requires more caregivers. The average daycare rate ranges from $975 to $2,000 per month.
Day centers for preschool children are technically lower because toddlers are more self-sufficient. Child care costs are between $333 to $1,000 per month.
Home Day Care Centers
Home day care is located within the neighborhood so rates are more affordable. This child care provider is a smaller establishment than a daycare so a maximum of 7 children are accepted and only 2 caregivers are employed. Average cost ranges from $300 per month. However, for a licensed home day care center, standard rates can reach up to $1,500 to $2,000 per month.
Relative Care
This type of caregiver is difficult because you don’t want to offend your relative by paying for her services. Basically, you do have to pay for relative care. But if she refuses to accept your payment, the cost of childcare is free. In most cases, a relative is more willing to accept any token of appreciation. For example, gift certificates to her favorite store, salon or spa, movie or Broadway passes, grocery baskets or even a simple thank you card will do. Giving her a day off once a week is also good.
Nanny Care
A nanny is the most expensive childcare provider. Under US government law, a nanny is a statutory employee and you are her employer. If she is a full-time nanny and lives with your family, a typical salary ranges from $400 to $700 per week. A part-time or stay-at-home nanny’s salary averages between $350 to $650 per week. In addition to her monthly salary you have to pay for her taxes, health insurance, vacation leave, sick days and even open a bank account for financial aid.
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