Family Work & Childcare Affordability Calculator

    Make informed decisions about work, childcare, and your family's financial future. Compare scenarios side-by-side to see what works best for you.

    Childcare Costs in Utah vs Salary (2026)

    Full-time infant daycare in Utah runs about $1,050 a month — $12,600 a year, or 14.2% of the $89,000 median household income, and 6% below the 50-state average. Here is what that means for going back to work.

    Utah childcare and cost-of-living figures

    Estimated 2026 childcare, income and housing figures for Utah
    FigureMonthlyAnnual
    Infant daycare (0–2), full time$1,050$12,600
    Four-year-old care, full time$900$10,800
    Median 2-bedroom rent$1,600$19,200
    Commute for the returning parent$220$2,640
    Median household income$7,417$89,000

    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 Utah?

    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 35.7% of the median Utah 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 Utah numbers

    Load the Utah averages into the calculator — $1,050 of childcare, $1,600 of rent and a $89,000 household income — then replace them with your real salary and daycare quote.

    Use these Utah numbers

    City-level childcare costs in Utah

    Prices inside Utah vary widely — metro centers typically run well above the statewide figure.

    Utah childcare cost FAQs

    How much does daycare cost in Utah?

    Full-time infant daycare in Utah 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 Utah?

    A returning parent in Utah 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 Utah?

    One infant in full-time care eats about 14.2% of the $89,000 median Utah household income. Add the $1,600 median two-bedroom rent and childcare plus housing take roughly 35.7% of gross income — far above the 7% federal affordability benchmark.

    Is childcare cheaper in Utah than the rest of the US?

    At $1,050 a month for infant care, Utah 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

    All 50 states · Childcare costs by city · US childcare calculator