Child Care Costs in Florida 2026: Miami, Orlando, Tampa Price Guide

Florida offers more affordable childcare than northeastern states, plus a significant advantage: free VPK (Voluntary Prekindergarten) for all 4-year-olds regardless of income. The Sunshine State's costs vary significantly by region, with South Florida approaching national averages while smaller cities and the Panhandle offer excellent value.

This guide covers what families actually pay across Florida, from the most expensive Miami neighborhoods to the most affordable options, plus how to maximize savings through VPK and other programs.

Average Child Care Costs in Florida

Quick Overview

| Care Type | South Florida | Central FL | Tampa Bay | Jacksonville | Panhandle | |-----------|---------------|------------|-----------|--------------|-----------| | Infant Daycare | $1,300-$1,900 | $1,100-$1,500 | $1,050-$1,500 | $950-$1,350 | $800-$1,150 | | Toddler Daycare | $1,100-$1,600 | $950-$1,300 | $900-$1,300 | $850-$1,200 | $700-$1,000 | | Preschool | $900-$1,400 | $800-$1,100 | $750-$1,100 | $700-$1,050 | $600-$900 | | Nanny | $3,200-$4,500 | $2,800-$3,800 | $2,600-$3,600 | $2,500-$3,500 | $2,200-$3,200 | | Home Daycare | $900-$1,300 | $750-$1,000 | $700-$1,000 | $650-$950 | $550-$850 |

Florida's childcare costs are about 15-20% below the national average, with significant savings available through free VPK.

Cost Comparison to National Average

| Care Type | Florida Average | National Average | Difference | |-----------|-----------------|------------------|------------| | Infant Daycare | $1,150/month | $1,350/month | 15% below | | Toddler Daycare | $1,000/month | $1,200/month | 17% below | | Preschool | $900/month | $1,100/month | 18% below |

The free VPK program adds even more savings for families with 4-year-olds.

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South Florida Costs

Miami-Dade County

South Florida's most expensive childcare market.

| Care Type | Monthly Cost | Annual Cost | |-----------|-------------|-------------| | Infant Daycare | $1,350-$1,950 | $16,200-$23,400 | | Toddler Daycare | $1,150-$1,650 | $13,800-$19,800 | | Preschool | $950-$1,450 | $11,400-$17,400 | | Nanny | $3,400-$4,800 | $40,800-$57,600 | | Home Daycare | $950-$1,400 | $11,400-$16,800 |

By area:

| Area | Infant Daycare | Toddler Daycare | Notes | |------|---------------|-----------------|-------| | Coral Gables | $1,700-$2,300 | $1,500-$2,000 | Premium, limited spots | | Coconut Grove | $1,650-$2,200 | $1,450-$1,950 | Upscale, family-oriented | | Key Biscayne | $1,800-$2,400 | $1,600-$2,100 | Island premium | | Brickell/Downtown | $1,500-$2,000 | $1,300-$1,750 | Urban professionals | | Pinecrest | $1,550-$2,100 | $1,350-$1,850 | Excellent schools | | South Miami | $1,400-$1,900 | $1,200-$1,650 | Good value | | Doral | $1,300-$1,800 | $1,100-$1,550 | Growing, many options | | Kendall | $1,200-$1,700 | $1,050-$1,500 | Suburban, affordable | | Miami Beach | $1,500-$2,100 | $1,300-$1,800 | Tourist area, variable | | Hialeah | $1,000-$1,400 | $900-$1,250 | Most affordable in county | | Homestead | $950-$1,350 | $850-$1,200 | Most affordable |

Broward County (Fort Lauderdale)

| Care Type | Monthly Cost | Annual Cost | |-----------|-------------|-------------| | Infant Daycare | $1,250-$1,750 | $15,000-$21,000 | | Toddler Daycare | $1,050-$1,500 | $12,600-$18,000 | | Preschool | $900-$1,300 | $10,800-$15,600 | | Nanny | $3,100-$4,400 | $37,200-$52,800 | | Home Daycare | $850-$1,250 | $10,200-$15,000 |

By area:

| Area | Infant Daycare | Toddler Daycare | Notes | |------|---------------|-----------------|-------| | Weston | $1,450-$2,000 | $1,250-$1,750 | Premium suburb | | Parkland | $1,400-$1,950 | $1,200-$1,700 | Excellent schools | | Fort Lauderdale (East) | $1,350-$1,850 | $1,150-$1,600 | Beach proximity | | Coral Springs | $1,250-$1,750 | $1,050-$1,500 | Family-friendly | | Plantation | $1,200-$1,700 | $1,000-$1,450 | Good value | | Pembroke Pines | $1,150-$1,650 | $1,000-$1,450 | Large suburb | | Davie | $1,150-$1,600 | $1,000-$1,400 | Near NSU | | Sunrise | $1,100-$1,550 | $950-$1,350 | Affordable | | Hollywood | $1,150-$1,600 | $1,000-$1,400 | Mixed pricing |

Palm Beach County

| Care Type | Monthly Cost | Annual Cost | |-----------|-------------|-------------| | Infant Daycare | $1,350-$1,900 | $16,200-$22,800 | | Toddler Daycare | $1,150-$1,650 | $13,800-$19,800 | | Preschool | $950-$1,400 | $11,400-$16,800 |

By area:

• Palm Beach, Jupiter Island: Highest ($1,700-2,400)
• Boca Raton: High ($1,500-2,000)
• Delray Beach: Moderate-high ($1,350-1,850)
• West Palm Beach: Moderate ($1,200-1,700)
• Wellington: Moderate ($1,250-1,750)
• Lake Worth, Boynton Beach: More affordable ($1,100-1,550)

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Central Florida Costs

Orlando Area

Central Florida's family-friendly market, influenced by tourism industry.

| Care Type | Monthly Cost | Annual Cost | |-----------|-------------|-------------| | Infant Daycare | $1,150-$1,600 | $13,800-$19,200 | | Toddler Daycare | $1,000-$1,400 | $12,000-$16,800 | | Preschool | $850-$1,200 | $10,200-$14,400 | | Nanny | $2,900-$4,000 | $34,800-$48,000 | | Home Daycare | $800-$1,100 | $9,600-$13,200 |

By area:

| Area | Infant Daycare | Toddler Daycare | Notes | |------|---------------|-----------------|-------| | Winter Park | $1,400-$1,900 | $1,200-$1,650 | Premium, historic | | Dr. Phillips | $1,350-$1,850 | $1,150-$1,600 | Restaurant Row area | | Lake Nona | $1,300-$1,800 | $1,100-$1,550 | Medical City, growing | | Celebration | $1,250-$1,750 | $1,050-$1,500 | Disney-built community | | Windermere | $1,400-$1,900 | $1,200-$1,650 | Lakefront, upscale | | Baldwin Park | $1,300-$1,800 | $1,100-$1,550 | Urban, walkable | | Altamonte Springs | $1,100-$1,550 | $950-$1,350 | Affordable | | Maitland | $1,200-$1,650 | $1,000-$1,450 | Good value | | Oviedo | $1,100-$1,550 | $950-$1,350 | Growing suburb | | Kissimmee | $1,000-$1,400 | $900-$1,250 | Affordable | | Sanford | $1,000-$1,400 | $900-$1,250 | Most affordable |

Orlando tip: Theme park employees (Disney, Universal, SeaWorld) often receive childcare discounts—check your benefits.

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Tampa Bay Area Costs

Tampa

| Care Type | Monthly Cost | Annual Cost | |-----------|-------------|-------------| | Infant Daycare | $1,150-$1,600 | $13,800-$19,200 | | Toddler Daycare | $1,000-$1,400 | $12,000-$16,800 | | Preschool | $850-$1,200 | $10,200-$14,400 | | Nanny | $2,800-$3,900 | $33,600-$46,800 | | Home Daycare | $750-$1,100 | $9,000-$13,200 |

By area:

| Area | Infant Daycare | Toddler Daycare | Notes | |------|---------------|-----------------|-------| | South Tampa | $1,450-$2,000 | $1,250-$1,750 | Premium | | Hyde Park | $1,400-$1,950 | $1,200-$1,700 | Historic, walkable | | Westshore | $1,300-$1,800 | $1,100-$1,550 | Business district | | Carrollwood | $1,150-$1,600 | $1,000-$1,400 | Suburban | | New Tampa | $1,150-$1,600 | $1,000-$1,400 | Growing | | Brandon | $1,050-$1,500 | $900-$1,300 | Affordable | | Temple Terrace | $1,050-$1,450 | $900-$1,250 | Near USF | | Town 'n' Country | $1,000-$1,400 | $900-$1,250 | Budget-friendly |

St. Petersburg

| Care Type | Monthly Cost | Annual Cost | |-----------|-------------|-------------| | Infant Daycare | $1,100-$1,550 | $13,200-$18,600 | | Toddler Daycare | $950-$1,350 | $11,400-$16,200 | | Preschool | $800-$1,150 | $9,600-$13,800 |

By area:

• Old Northeast, Downtown: Highest ($1,300-1,800)
• Snell Isle, Shore Acres: High ($1,200-1,700)
• St. Pete Beach, Pass-a-Grille: High ($1,250-1,750)
• Kenwood, Gulfport: Moderate ($1,000-1,450)
• South St. Pete: More affordable ($900-1,300)

Clearwater Area

| Care Type | Monthly Cost | |-----------|-------------| | Infant Daycare | $1,000-$1,450 | | Toddler Daycare | $900-$1,300 | | Preschool | $750-$1,100 |

Key areas: Clearwater Beach highest; Largo, Dunedin, Palm Harbor moderate.

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Jacksonville

One of Florida's most affordable major metros.

| Care Type | Monthly Cost | Annual Cost | |-----------|-------------|-------------| | Infant Daycare | $1,000-$1,400 | $12,000-$16,800 | | Toddler Daycare | $900-$1,250 | $10,800-$15,000 | | Preschool | $750-$1,100 | $9,000-$13,200 | | Nanny | $2,600-$3,600 | $31,200-$43,200 | | Home Daycare | $700-$1,000 | $8,400-$12,000 |

By area:

| Area | Infant Daycare | Toddler Daycare | Notes | |------|---------------|-----------------|-------| | Ponte Vedra | $1,300-$1,800 | $1,100-$1,550 | Premium | | San Marco | $1,200-$1,650 | $1,000-$1,450 | Historic, upscale | | Riverside/Avondale | $1,150-$1,600 | $1,000-$1,400 | Walkable | | Jacksonville Beach | $1,100-$1,550 | $950-$1,350 | Beach proximity | | Mandarin | $1,050-$1,450 | $900-$1,300 | Suburban | | Fleming Island | $1,100-$1,550 | $950-$1,350 | Clay County | | Southside | $1,000-$1,400 | $900-$1,250 | Good value | | Westside | $900-$1,300 | $800-$1,150 | Affordable | | Northside | $850-$1,250 | $750-$1,100 | Most affordable |

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Other Florida Cities

Naples/Southwest Florida

| Care Type | Monthly Cost | |-----------|-------------| | Infant Daycare | $1,250-$1,700 | | Toddler Daycare | $1,050-$1,500 | | Preschool | $900-$1,300 |

Note: Very limited availability, especially for infants. Wealthy retiree community creates nanny demand.

Sarasota

| Care Type | Monthly Cost | |-----------|-------------| | Infant Daycare | $1,150-$1,600 | | Toddler Daycare | $1,000-$1,400 | | Preschool | $850-$1,200 |

Gainesville

University town with moderate costs.

| Care Type | Monthly Cost | |-----------|-------------| | Infant Daycare | $950-$1,350 | | Toddler Daycare | $850-$1,200 | | Preschool | $750-$1,050 |

UF employees: Check for university-affiliated childcare options.

Tallahassee

State capital with affordable options.

| Care Type | Monthly Cost | |-----------|-------------| | Infant Daycare | $900-$1,250 | | Toddler Daycare | $800-$1,100 | | Preschool | $700-$1,000 |

Pensacola/Panama City (Panhandle)

| City | Infant Daycare | Toddler Daycare | |------|---------------|-----------------| | Pensacola | $850-$1,200 | $750-$1,050 | | Panama City | $800-$1,150 | $700-$1,000 | | Fort Walton Beach | $900-$1,300 | $800-$1,150 | | Destin | $950-$1,350 | $850-$1,200 |

Military families: Pensacola NAS and Eglin AFB offer on-base CDC options.

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Florida's Free VPK Program

What is VPK?

Voluntary Prekindergarten (VPK) is Florida's free preschool program for all 4-year-olds—a major benefit for families.

Key details:

• Eligibility: ALL Florida children who turn 4 by September 1
• Cost: FREE (no income requirements)
• Hours: 540 hours school year OR 300 hours summer
• Providers: Public schools, private centers, faith-based programs

VPK Options

| Program Type | Hours | Schedule | Best For | |--------------|-------|----------|----------| | School Year | 540 hours | ~3 hours/day, 180 days | Stay-at-home parents | | Summer | 300 hours | Full-day for summer months | Working parents transition |

VPK Savings Calculation

Without VPK: Full-day preschool = $10,000-15,000/year

With VPK + wrap-around care:

• VPK: FREE (3 hours)
• Wrap-around: $400-800/month
• Total: $4,800-9,600/year

Annual savings: $5,000-10,000

How to Enroll in VPK

1. Get a VPK certificate at your local Early Learning Coalition (ELC)
2. Search for VPK providers at floridaearlylearning.com
3. Present certificate to enroll
4. Choose school year (540 hours) or summer (300 hours) program

Tip: Apply early for popular providers—VPK spots at desirable centers fill quickly.

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Florida Child Care Assistance Programs

School Readiness Program

Who qualifies:

• Working families at or below 150% federal poverty level
• Priority for at-risk children
• Must be working, in school, or in job training

Income limits (2024):

• Family of 3: $37,650/year
• Family of 4: $45,300/year

What you get:

• Subsidized childcare on sliding scale
• Copay based on income
• Can use at licensed centers, homes, or approved informal care

How to apply: Through your local Early Learning Coalition (ELC)

Head Start and Early Head Start

Who qualifies:

• Families at or below federal poverty level
• Foster children
• Homeless families
• Children with disabilities

What's included:

• Free preschool or infant/toddler care
• Health and developmental screenings
• Family support services
• Meals included

Cost: Free

Early Steps (Early Intervention)

Free evaluation and services for children birth-3 with developmental concerns.

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Florida Licensing and Quality

Staff-to-Child Ratios

| Age | Staff:Child Ratio | |-----|-------------------| | 0-12 months | 1:4 | | 12-24 months | 1:6 | | 2 years | 1:11 | | 3 years | 1:15 | | 4-5 years | 1:20 |

Note: Florida's ratios are among the most relaxed in the nation, which contributes to lower costs but may mean less individualized attention.

Checking Provider Quality

Gold Seal Quality Care Program: Look for the Gold Seal designation, which indicates accreditation by a nationally recognized organization.

Search licensed providers: myflfamilies.com/service-programs/child-care

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Seasonal Considerations

Snowbird Season (November-April)

South Florida sees increased demand as seasonal residents arrive.

Impact:

• Some centers have seasonal waitlists
• Nanny rates may increase 10-15%
• Book popular programs early

Hurricane Season (June-November)

Considerations:

• Centers must have evacuation plans
• Check provider's hurricane closure policies
• Backup care is important during storms
• Many employers offer hurricane-related childcare flexibility

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Ways to Save on Florida Childcare

1. Use VPK (4-Year-Olds)

Savings: $5,000-10,000/year by using free VPK with wrap-around care instead of full-day private preschool.

2. Dependent Care FSA

Florida advantage: No state income tax means you still save on federal taxes only.

Savings on $5,000 contributed:

• Federal tax savings: $1,100-1,600
• Total: $1,100-1,600/year

3. Federal Tax Credits

Child and Dependent Care Credit: Up to $1,200 for two children.

4. Licensed Family Childcare

Home daycares cost 25-35% less than centers in Florida. Look for Gold Seal providers.

5. Church and Faith-Based Programs

Florida has many affordable faith-based centers—often 20-30% below market rates.

6. Military Family Benefits

Florida has major military installations:

• MacDill AFB (Tampa)
• Naval Air Station Pensacola
• Naval Station Mayport (Jacksonville)
• Eglin AFB, Hurlburt Field (Panhandle)
• Patrick SFB (Space Coast)

Benefits include subsidized on-base care, fee assistance programs, and priority enrollment.

7. Theme Park Employee Benefits

Disney, Universal, SeaWorld, and other major employers offer:

• Childcare discounts
• Backup care programs
• Flexible scheduling
• On-site or near-site childcare options

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Finding Childcare in Florida

Where to Search

State resources:

• Florida Early Learning (floridaearlylearning.com)
• Early Learning Coalitions (by county)
• MyFlorida Families provider search

National resources:

• Care.com
• Winnie.com
• Yelp reviews

What to Look For

• Gold Seal Quality Care designation
• Current license
• VPK provider status
• Recent inspection reports
• Staff qualifications

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FAQ

Q: Is VPK really free in Florida?

A: Yes, VPK is completely free for all Florida 4-year-olds regardless of income. You may pay for extended hours (wrap-around care) if you need more than the 3-hour VPK session.

Q: What's the cheapest childcare in Florida?

A: VPK (free for 4-year-olds), then licensed family childcare (home daycare). Geographically, the Panhandle and smaller cities offer the lowest costs.

Q: How long are daycare waitlists in Florida?

A: South Florida (Miami, Fort Lauderdale, Boca): 3-12 months for popular centers. Orlando/Tampa: 1-6 months. Smaller cities: Often immediate availability.

Q: Does Florida have income-based childcare help?

A: Yes—the School Readiness Program provides subsidies for families up to 150% of the poverty level. Apply through your local Early Learning Coalition.

Q: Are Florida's childcare ratios safe?

A: Florida meets minimum national standards, but ratios are more relaxed than many states. Look for Gold Seal accredited programs for higher quality standards.

Q: When should I apply for VPK?

A: You can get your VPK certificate as soon as your child turns 4 (or earlier for the upcoming school year). Apply to providers several months in advance for popular programs.

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Conclusion

Florida offers more affordable childcare than many states, with the significant advantage of free VPK for all 4-year-olds. South Florida costs approach national averages, while smaller cities and the Panhandle offer excellent value.

Key takeaways:

• VPK saves families $5,000-10,000 annually for 4-year-olds
• South Florida is most expensive; Panhandle and smaller cities are most affordable
• Gold Seal designation indicates higher quality
• Military and theme park employees have additional benefits
• Start early for infant care waitlists, especially in South Florida

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More Florida childcare resources:

• How Much Does Child Care Cost? →
• How to Afford Child Care →
• Free Preschool Programs →
• Best Childcare Options Compared →