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 Virginia vs Salary (2026)

    Full-time infant daycare in Virginia runs about $1,365 a month — $16,380 a year, or 18.2% of the $90,000 median household income, and 15% above the 50-state average. Here is what that means for going back to work.

    Average daycare cost in Virginia

    Per month
    $1,365
    Per week
    $315
    Per year
    $16,380

    Full-time infant care. Preschool-age care is about $1,130 a month.

    Next steps

    Virginia childcare and cost-of-living figures

    Estimated 2026 childcare, income and housing figures for Virginia
    FigureMonthlyAnnual
    Infant daycare (0–2), full time$1,365$16,380
    Four-year-old care, full time$1,130$13,560
    Median 2-bedroom rent$1,750$21,000
    Commute for the returning parent$220$2,640
    Median household income$7,500$90,000

    Childcare prices are the published 2023 state averages (Virginia: $16,397 a year for infant care, $13,560 for a 4-year-old); income and rent are 2026 estimates. Childcare: Child Care Aware of America — Price of Care: 2023 Affordability Analysis (Table I). 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 Virginia?

    One child in care

    $19,500

    Gross salary needed to cover $19,020 of childcare and commuting after tax.

    Two children in care

    $33,500

    Gross salary needed to cover $32,580 for an infant plus a four-year-old, and the commute.

    Childcare plus rent consumes roughly 41.5% of the median Virginia 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 Virginia numbers

    Load the Virginia averages into the calculator — $1,365 of childcare, $1,750 of rent and a $90,000 household income — then replace them with your real salary and daycare quote.

    Use these Virginia numbers

    Virginia childcare cost FAQs

    How much does daycare cost in Virginia?

    Full-time infant daycare in Virginia averages about $1,365 a month ($16,380 a year) in 2026 — about 15% above the 50-state average of $1,188. Care for a four-year-old is cheaper, around $1,130 a month, because required staff-to-child ratios loosen.

    What salary do you need to break even on childcare in Virginia?

    A returning parent in Virginia needs roughly $19,500 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 $33,500.

    What percentage of income goes to childcare in Virginia?

    One infant in full-time care eats about 18.2% of the $90,000 median Virginia household income. Add the $1,750 median two-bedroom rent and childcare plus housing take roughly 41.5% of gross income — far above the 7% federal affordability benchmark.

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

    At $1,365 a month for infant care, Virginia is about 15% above the 50-state average of $1,188. 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