Childcare Costs in Texas vs Salary (2026)
Full-time infant daycare in Texas runs about $1,050 a month — $12,600 a year, or 16.6% of the $76,000 median household income, and 6% below the 50-state average. Here is what that means for going back to work.
Texas childcare and cost-of-living figures
| Figure | Monthly | Annual |
|---|---|---|
| Infant daycare (0–2), full time | $1,050 | $12,600 |
| Four-year-old care, full time | $900 | $10,800 |
| Median 2-bedroom rent | $1,550 | $18,600 |
| Commute for the returning parent | $220 | $2,640 |
| Median household income | $6,333 | $76,000 |
2026 estimates, rounded. Childcare: Child Care Aware of America — Price of Care. Income: U.S. Census Bureau — American Community Survey. Housing: HUD Fair Market Rents. Full methodology and dataset.
What salary do you need to break even in Texas?
One child in care
$15,500
Gross salary needed to cover $15,240 of childcare and commuting after tax.
Two children in care
$26,500
Gross salary needed to cover $26,040 for an infant plus a four-year-old, and the commute.
Childcare plus rent consumes roughly 41.1% of the median Texas household income, far above the 7% the federal government calls affordable. Below the break-even line a second income is close to unpaid work in cash terms — the second-earner trap — though pension contributions and future wage growth still argue for staying in work (see the opportunity cost of staying home).
Test your own salary against these figures with the two-income break-even calculator or see what survives your nursery bill with the childcare vs salary calculator.
Run your own Texas numbers
Load the Texas averages into the calculator — $1,050 of childcare, $1,550 of rent and a $76,000 household income — then replace them with your real salary and daycare quote.
Use these Texas numbersCity-level childcare costs in Texas
Prices inside Texas vary widely — metro centers typically run well above the statewide figure.
- Childcare costs in Houston, TX — $1,150/mo infant care
- Childcare costs in San Antonio, TX — $1,050/mo infant care
- Childcare costs in Dallas, TX — $1,250/mo infant care
- Childcare costs in Austin, TX — $1,500/mo infant care
Texas childcare cost FAQs
How much does daycare cost in Texas?
Full-time infant daycare in Texas averages about $1,050 a month ($12,600 a year) in 2026 — about 6% below the 50-state average of $1,118. Care for a four-year-old is cheaper, around $900 a month, because required staff-to-child ratios loosen.
What salary do you need to break even on childcare in Texas?
A returning parent in Texas needs roughly $15,500 gross to cover one infant in full-time care plus commuting after federal tax. With two children in care the break-even rises to about $26,500.
What percentage of income goes to childcare in Texas?
One infant in full-time care eats about 16.6% of the $76,000 median Texas household income. Add the $1,550 median two-bedroom rent and childcare plus housing take roughly 41.1% of gross income — far above the 7% federal affordability benchmark.
Is childcare cheaper in Texas than the rest of the US?
At $1,050 a month for infant care, Texas is about 6% below the 50-state average of $1,118. Prices inside the state still vary widely: metro centers typically run 20–40% above rural counties.
States with similar childcare prices
- Childcare costs in Alaska — $1,050/mo
- Childcare costs in Maine — $1,050/mo
- Childcare costs in Michigan — $1,050/mo
- Childcare costs in North Carolina — $1,050/mo
- Childcare costs in Utah — $1,050/mo
- Childcare costs in Delaware — $1,000/mo
All 50 states · Childcare costs by city · US childcare calculator