Christine Hernandez
Early childhood educator, writer, and mother. Your friendly neighborhood guide to all things parenting.
Childcare costs are a major consideration for families across Tennessee. While prices vary depending on location, child age, and program type, understanding average costs can help parents plan and budget more confidently. Below is a breakdown of estimated childcare costs across the state using placeholder figures that follow Winnie’s standard cost template.
How Much Does Childcare Cost in Tennessee?
On average, families in Tennessee can expect to pay between $887 and $1,505 per month for full-time childcare, depending on the age of the child and the type of care selected. Infant care typically costs the most, while preschool and school-age care tend to be more affordable.
These figures are statewide estimates and should be used as a general reference point. Actual costs may be higher or lower based on city, provider availability, and whether care is full-time or part-time.
Average Childcare Cost in Tennessee by Care Type & Age
Below is a deeper look at how average childcare costs in Tennessee break down by care type and child age.
Annual Prices Table
| Care Type | Infant | 4-Year-Old | School-Age |
|---|---|---|---|
| Center-based | $18,060 | $14,316 | $11,808 |
| Family-based | $13,668 | $10,644 | $10,644 |
Monthly Prices Table
| Care Type | Infant | 4-Year-Old | School-Age |
| Center-based | $1505 | $1193 | $984 |
| Family-based | $1139 | $887 | $887 |
Childcare Cost in Tennessee by City
According to aggregated provider data, childcare costs in Tennessee vary by city due to differences in demand, cost of living, and provider density. Below are estimated monthly childcare costs for major cities in the state.
Nashville, TN
In Nashville, full-time childcare costs average around $1,350 per month. Prices may be higher for infant care and in central neighborhoods with high demand.
Memphis, TN
Parents in Memphis typically pay about $1,150 per month for full-time childcare. Family-based programs may offer slightly lower monthly rates.
Knoxville, TN
The average monthly cost of childcare in Knoxville is approximately $1,100, with preschool and school-age care costing less than infant care.
Chattanooga, TN
Families in Chattanooga can expect to pay around $1,080 per month for full-time childcare, depending on the provider and child’s age.
Clarksville, TN
In Clarksville, average childcare costs are estimated at $1,050 per month, with some variation by neighborhood and care type.
Major Expenses That Childcare Programs Factor Into Their Costs
Childcare providers in Tennessee consider several key expenses when setting tuition rates. These costs help ensure safe, high-quality care for children.
Staff wages and benefits account for a significant portion of operating costs, as maintaining appropriate child-to-staff ratios is required by state regulations. Facilities expenses such as rent, utilities, and maintenance also influence pricing, particularly in urban areas.
Hidden Costs Associated With Childcare
In addition to base tuition, families should be aware of potential additional expenses. These may include registration fees, supply fees, activity costs, and charges for extended hours.
Some programs may also require families to budget for meals, transportation, or enrichment programs, which can increase the overall cost of care.
Is Childcare Affordable in Tennessee?
When compared to national averages, childcare in Tennessee is generally below the U.S. average. However, affordability depends heavily on household income, family size, and access to employer or state assistance programs.
Many families spend a significant percentage of their monthly income on childcare, particularly during the infant and toddler years.
Are There Options for Subsidized Childcare in Tennessee?
Tennessee offers childcare assistance programs for eligible families through state-administered subsidy programs. These programs help offset the cost of care for working families who meet income and eligibility requirements.
Participation and availability can vary by county and provider, so families are encouraged to explore options early.
Other Ways to Make Childcare More Affordable
In addition to subsidies, families may reduce childcare costs by exploring flexible schedules, part-time care, employer-sponsored childcare benefits, or tax credits such as the Child and Dependent Care Credit.
Some providers also offer sibling discounts or sliding-scale tuition based on income.
Find Childcare in Tennessee
Whether you’re looking for daycare, preschool, or school-age care, Winnie can help you compare licensed childcare providers across Tennessee.
Parents can search by city, zip code, child age, and program type to find options that fit their family’s needs.
Tennessee Childcare Costs FAQ
How much of your budget should go to daycare in Tennessee?
Many financial experts recommend keeping childcare costs below 10–15% of household income when possible, though this is not always realistic for families with young children.
Is childcare tax deductible in Tennessee?
While childcare itself is not deductible, families may qualify for federal tax credits that help offset childcare expenses.
Why does infant care cost more than preschool?
Infant care requires lower child-to-staff ratios and more intensive supervision, which increases provider operating costs.
How early should I apply for childcare in Tennessee?
In high-demand areas, families are encouraged to begin their childcare search 6–12 months in advance, especially for infant care.
