Cost of Child Care in Indiana by Age, City & Type

Childcare costs in Indiana vary depending on where you live, your child’s age, and the type of care you choose. While Indiana’s rates are often lower than the national average, many families still find childcare to be one of their biggest monthly expenses. This guide breaks down what you can expect to pay and highlights resources to help make childcare more affordable.

Learn how to find and apply for childcare assistance in Indiana

Average Childcare Cost in Indiana by Childcare Type and Age

Below is a breakdown of the average monthly childcare cost in Indiana by care type and age group. These statewide averages can vary depending on your county and provider.

Data sourced from Child Care Aware of America and the Indiana Family and Social Services Administration.

Childcare Costs in Major Indiana Cities

Indianapolis

Families in Indianapolis pay around $950 per month for center-based infant care, with preschool programs averaging around $820. Find childcare in Indianapolis.

Fort Wayne

In Fort Wayne, infant care costs about $880 per month in centers and $720 in home-based programs. Explore childcare in Fort Wayne.

Evansville

Evansville families spend around $860 monthly for infants and $780 for toddlers in center-based settings. Search childcare in Evansville.

South Bend

Parents in South Bend pay roughly $910 per month for infants and $800 for preschool-aged children. Discover childcare in South Bend.

Bloomington

Bloomington’s childcare costs average $940 per month for infants and $810 for preschool care, with home-based care offering more affordable options. View childcare in Bloomington.

Major Expenses That Childcare Programs Factor Into Their Costs

Several key factors contribute to Indiana’s childcare pricing:

• Staffing and training: Qualified teachers and caregivers account for the largest share of operating costs.
• Licensing and compliance: Centers must meet strict health, safety, and educational standards.
• Facilities and utilities: Maintaining safe, engaging learning environments adds to program expenses.
• Educational materials and meals: Many providers include curriculum supplies, snacks, and daily meals.

These expenses ensure children receive safe, high-quality early education, though they increase overall costs.

Hidden Costs Parents Should Keep in Mind

Beyond tuition, families should also plan for potential add-on expenses such as:

• Enrollment or registration fees
• Late pickup penalties
• Field trip or enrichment activity charges
• Supplies or annual fundraising contributions

Being aware of these smaller costs can help families avoid surprises throughout the year.

Is Childcare Affordable in Indiana?

Despite Indiana’s relatively moderate childcare rates, affordability remains a concern. Infant care can consume up to 12% of a median household’s income, well above the federal benchmark of 7%.

Families spend around $10,000–$11,500 per year on center-based infant care—still lower than many neighboring states but a major budget item for most households.

Are There Options for Subsidized Childcare in Indiana?

Yes. Indiana provides several assistance options for eligible families, including:

• Child Care and Development Fund (CCDF): Administered by the Indiana FSSA, this program helps low-income families afford quality childcare. Apply through the Indiana FSSA website.
• Head Start and Early Head Start: Federally funded programs offering free early childhood education for qualifying families. Visit Head Start Programs.
• Workforce and education-based assistance: Families engaged in work or approved training programs may qualify for additional state support.

Other Ways to Make Childcare More Affordable

Families in Indiana can explore these additional strategies to help reduce costs:

• Flexible Spending Accounts (FSAs): Use pre-tax dollars to pay for childcare expenses.
• Child and Dependent Care Tax Credit: Claim eligible childcare costs on your federal tax return.
• In-home or shared care: Sharing a nanny or enrolling in small home-based programs can reduce expenses.
• Employer benefits: Some Indiana employers offer childcare stipends or partnerships with local providers.

For more insights on why prices continue to rise and how to save, visit Why Is Daycare So Expensive?

Childcare in Indiana is moderately priced compared to the rest of the country but remains a substantial cost for working families. With multiple state and federal assistance options, plus flexible care models, families can find ways to manage expenses while ensuring quality care for their children.

Indiana Childcare Costs FAQ

How much does childcare cost in Indiana?

The average cost ranges from $800–950 per month, depending on location, care type, and age group.

What is the most affordable childcare option in Indiana?

Home-based programs tend to be the most budget-friendly, averaging $670–750 per month statewide.

Does Indiana offer childcare assistance?

Yes. Families may qualify for the Child Care and Development Fund (CCDF) through the Indiana FSSA based on income and work or education status.

Is preschool free in Indiana?

Indiana offers limited free pre-K options through On My Way Pre-K, available to qualifying 4-year-olds.

Can I claim childcare expenses on my taxes?

Yes. You may qualify for the Child and Dependent Care Tax Credit to offset childcare expenses.