Child care · Indiana
Child care costs in Indiana
A full-time infant spot at an Indiana child care center averaged $16,478 in 2024, or about $1,373 a month. Licensed home-based care was much cheaper at $9,508, $6,970 less. The center price takes 22.9% of the state median household income, the 10th least affordable of 50 ranked states.
Indiana child care prices by age
| Age | Center, per year | Center, per month | Home-based, per year | Home-based, per month |
|---|---|---|---|---|
| Infant | $16,478 | $1,373 | $9,508 | $792 |
| Toddler | $16,002 | $1,334 | $9,102 | $758 |
| 4-year-old | $12,531 | $1,044 | $8,470 | $706 |
— means Indiana did not report that price. Monthly figures are the yearly average divided by 12. Source: Child Care Aware of America, Child Care in America: 2024 Affordability Analysis, Tables I and II.
How Indiana compares
| Center infant price rank | 20th highest of 50 (50 states and DC with a price); middle state $15,080 |
|---|---|
| Median household income, 2024 | $71,959 (margin of error ±$630); U.S. $81,604 |
| Center infant care as share of that income | 22.9% (about 11.9 weeks of pay) |
| Home-based infant care as share of income | 13.2% |
| Affordability rank | 10 of 50 ranked (1 = least affordable) |
Ranks and income shares come from the Baby Money Report 2027; income is the U.S. Census Bureau ACS 2024 1-year median household income (B19013) for all households, not only families with babies. Every state side by side: child care costs by state.
Ways to cut the bill in Indiana
If your employer offers a dependent care FSA, you can pay up to $7,500 of care with pre-tax pay in 2026 (IRS Publication 15-B). The federal Child and Dependent Care Credit covers 20% to 50% of up to $3,000 in care for one child. Which one saves more depends on your income: try the FSA vs. credit calculator, and see every credit on the 2026 baby tax benefits page.
Indiana has no state paid family leave, so the weeks before care starts are unpaid unless your employer pays: what Indiana parents get instead. To add care, leave and credits into one year-one number, use the baby budget calculator set to Indiana.
Sources: Child Care Aware of America, U.S. Census Bureau. Data free to reuse: JSON.
Last verified October 6, 2026 against official sources: Child Care Aware of America, U.S. Census Bureau.
Cite this page: This Mom, “Child Care Costs in Indiana”, thismom.com/child-care-costs/indiana/ (updated ). Data free to reuse under CC BY 4.0 with a link to the page.