Childcare Costs in Sydney vs Salary (2026)
Full-time infant care in Sydney runs about A$2,600 a month — A$31,200 a year, or 31.2% of the median Australia household income of A$100,000. Here is what that means for the decision to go back to work.
The Sydney numbers at a glance
| Figure | Monthly | Annual |
|---|---|---|
| Infant daycare (0–2), full time | A$2,600 | A$31,200 |
| Preschooler care (3–4), full time | A$2,400 | A$28,800 |
| Median 2-bedroom rent | A$3,000 | A$36,000 |
| Commute for the returning parent | A$250 | A$3,000 |
| Groceries, family of four | A$1,400 | A$16,800 |
| Median household income | A$8,333 | A$100,000 |
Estimates for 2026, rounded. Childcare: Australian Government — Child Care Subsidy & fee data. Income: Australian Bureau of Statistics — Household income. Housing: ABS / CoreLogic rental indices. See the full methodology and dataset.
What salary do you need to break even in Sydney?
One child in care
A$34,500
Gross salary needed just to cover A$34,200 of childcare and commuting after tax.
Two children in care
A$70,500
Gross salary needed to cover A$63,000 of care for an infant plus a preschooler, and the commute.
Below those numbers, a second income in Sydney is effectively unpaid work once childcare and travel are deducted — the classic second-earner trap. Above them, every extra A$1,000 of salary is real money, plus pension contributions and the wage growth you keep by staying in the workforce (see the opportunity cost of staying home).
Break-even assumes the returning parent's salary is taxed on its own at Australia rates, with no subsidy applied. Local subsidies — see the Australia guide — can move the line significantly.
Run your own Sydney numbers
Load the Sydney averages into the calculator and replace them with your actual salary, rent and nursery quote. It compares up to three scenarios side by side — both parents working, one at home, and part-time.
- • Household income: A$100,000/yr
- • Childcare: A$2,600/mo
- • Housing: A$3,000/mo
- • Commute: A$250/mo
Sydney childcare questions parents ask
How much does daycare cost in Sydney?
Full-time infant daycare in Sydney averages about A$2,600 per month (A$31,200 a year) in 2026. Care for a 3–4 year old is lower, around A$2,400 per month, because staff-to-child ratios are less demanding.
Is it worth going back to work in Sydney?
With one child in full-time care you need to earn roughly A$34,500 gross just to break even on childcare and commuting in Sydney. With two children in care that rises to about A$70,500. Below those lines the second income is close to unpaid work in cash terms, though pension contributions and future wage growth still count.
What share of income goes to childcare in Sydney?
One infant in full-time care costs about 31.2% of the median Australia household income of A$100,000. Add a median two-bedroom rent of A$3,000 a month and childcare plus housing consume roughly 67.2% of gross household income.
How can families in Sydney lower childcare costs?
The usual levers are claiming every subsidy available in Australia, sharing a nanny with another family, shifting to a 3–4 day week so you pay for fewer days, staggering parents' hours, and timing your return for when your child moves into the cheaper preschool room.
Compare with other Australia cities
- Childcare costs in Melbourne
- Childcare costs in Brisbane
- Childcare costs in Perth
- Childcare costs in Adelaide
- Childcare costs in Canberra
See all cities and states · Childcare costs by country · Living wage for a family with kids