Cost & Planning

Daycare Cost in New Jersey 2026: 24 Areas Compared, and What Moves the Price

childcarepath-team
15 min read

What daycare actually costs across 24 areas of New Jersey, from the most expensive metros to the cheapest, plus infant against toddler pricing, the subsidies you may qualify for, and the factors that move a quote by hundreds a month.

Quick answer: Childcare in New Jersey costs about $1,200 to $2,400 per month for infant daycare, with North Jersey highest ($1,600 to $2,400) and South Jersey lowest ($1,200 to $1,700). Toddler care runs $1,000 to $2,100 and preschool $900 to $1,800. New Jersey ranks among the top 5 most expensive states.

New Jersey ranks among the top 5 most expensive states for childcare in the nation, driven by high cost of living, strict licensing requirements, and proximity to New York City. From the affluent towns of Bergen County to the more affordable communities in South Jersey, costs vary significantly across the Garden State. This guide breaks down what families actually pay across all regions of New Jersey.

Average Child Care Costs in New Jersey

Quick Overview

Care TypeNorth JerseyCentral JerseySouth Jersey
Infant Daycare$1,600-$2,400$1,400-$2,000$1,200-$1,700
Toddler Daycare$1,400-$2,100$1,200-$1,800$1,000-$1,500
Preschool$1,200-$1,800$1,050-$1,600$900-$1,350
Nanny$3,500-$5,000$3,200-$4,500$2,800-$3,800
Home Daycare$1,200-$1,700$1,000-$1,500$850-$1,250

New Jersey families spend an average of 16-18% of household income on childcare, well above the federal affordability threshold of 7%.

Cost Comparison to National Average

Care TypeNJ AverageNational AverageDifference
Infant Daycare$1,800/month$1,350/month33% above
Toddler Daycare$1,550/month$1,200/month29% above
Preschool$1,350/month$1,100/month23% above

Only Massachusetts, California, and the District of Columbia consistently exceed New Jersey's childcare costs.

Why NJ Childcare Is So Expensive

Several factors drive New Jersey's high childcare costs:

  1. Strict licensing requirements: NJ mandates low child-to-staff ratios (4:1 for infants)
  2. High real estate costs: Commercial space is expensive, especially in North Jersey
  3. NYC proximity: Competition for workers drives wages up
  4. High cost of living: General expenses are higher than national average
  5. Insurance costs: Liability insurance is expensive in NJ


Getting ready for daycare?

Our most-used gear guides cover the three things nearly every center asks families to bring on day one.

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North Jersey Costs

Bergen County

Bergen County is the most expensive county in New Jersey for childcare, with some of the highest costs outside of Manhattan.

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,800-$2,600$21,600-$31,200
Toddler Daycare$1,600-$2,300$19,200-$27,600
Preschool$1,400-$2,000$16,800-$24,000
Nanny$4,000-$5,500$48,000-$66,000
Home Daycare$1,400-$1,900$16,800-$22,800

By town:

TownInfant DaycareToddler DaycareNotes
Ridgewood$2,000-$2,700$1,800-$2,400Highest costs, limited spots
Tenafly$1,900-$2,600$1,700-$2,300Very competitive
Glen Rock$1,850-$2,500$1,650-$2,250Family-oriented
Ho-Ho-Kus$1,900-$2,600$1,700-$2,300Small town, few options
Paramus$1,700-$2,300$1,500-$2,100More options, chains
Hackensack$1,500-$2,100$1,300-$1,900Most affordable in county
Fort Lee$1,600-$2,200$1,400-$2,000NYC commuter hub
Englewood$1,550-$2,150$1,350-$1,950Mixed pricing

Bergen County tips:

  • Waitlists at top centers can be 12-18 months
  • Many families use home daycares to save costs
  • Nanny shares are popular in Ridgewood and surrounding towns
  • Some parents commute to Rockland County, NY for lower costs

Essex County

Essex County offers a wide range of costs, from expensive suburban enclaves to more affordable urban areas.

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,600-$2,300$19,200-$27,600
Toddler Daycare$1,400-$2,000$16,800-$24,000
Preschool$1,200-$1,800$14,400-$21,600
Nanny$3,600-$5,000$43,200-$60,000
Home Daycare$1,200-$1,700$14,400-$20,400

By town:

TownInfant DaycareToddler DaycareNotes
Short Hills$2,000-$2,600$1,800-$2,400Premium market
Millburn$1,950-$2,550$1,750-$2,350Great schools
Montclair$1,700-$2,300$1,500-$2,100Arts community, diverse options
Maplewood$1,650-$2,250$1,450-$2,050Family-friendly
South Orange$1,600-$2,200$1,400-$2,000Near Seton Hall
West Orange$1,400-$1,900$1,200-$1,700More affordable
Newark$1,100-$1,600$950-$1,400Abbott Pre-K available

Montclair specifics:

  • Known for progressive, arts-focused programs
  • Many Waldorf and Montessori options
  • Cooperative preschools offer savings
  • Active parent community for nanny shares

Morris County

Morris County offers suburban living with slightly lower costs than Bergen and Essex.

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,600-$2,200$19,200-$26,400
Toddler Daycare$1,400-$1,900$16,800-$22,800
Preschool$1,200-$1,700$14,400-$20,400
Nanny$3,400-$4,600$40,800-$55,200
Home Daycare$1,150-$1,600$13,800-$19,200

Key towns: Morristown, Madison, Chatham, Mendham, Chester, Bernardsville (Somerset border)

Morris County tip: Morristown has the most options and some of the best values in the county.

Hudson County

Urban market with wide price range, popular with NYC commuters.

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,500-$2,200$18,000-$26,400
Toddler Daycare$1,300-$1,900$15,600-$22,800
Preschool$1,100-$1,700$13,200-$20,400
Nanny$3,200-$4,500$38,400-$54,000
Home Daycare$1,100-$1,600$13,200-$19,200

By city:

CityInfant DaycareToddler DaycareNotes
Hoboken$1,700-$2,400$1,500-$2,100Young family destination
Jersey City (Downtown)$1,600-$2,200$1,400-$2,000Growing options
Jersey City (Heights)$1,300-$1,800$1,100-$1,600More affordable
Weehawken$1,600-$2,200$1,400-$2,000NYC views, premium
Union City$1,200-$1,700$1,000-$1,500Budget-friendly
Bayonne$1,250-$1,750$1,050-$1,550Growing market

Hoboken/Jersey City specifics:

  • High demand from young professionals starting families
  • Many modern, boutique centers
  • Waitlists common for popular programs
  • Growing number of chain centers (Bright Horizons, Kindercare)

Passaic and Union Counties

CountyInfant DaycareToddler DaycareNotes
Passaic$1,300-$1,900$1,100-$1,700Wide range by town
Union$1,400-$2,000$1,200-$1,800Suburban options

Central Jersey Costs

Middlesex County

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,400-$1,900$16,800-$22,800
Toddler Daycare$1,200-$1,700$14,400-$20,400
Preschool$1,050-$1,500$12,600-$18,000
Nanny$3,100-$4,200$37,200-$50,400
Home Daycare$1,000-$1,450$12,000-$17,400

Key towns: Edison, New Brunswick, East Brunswick, South Brunswick, Princeton Junction

Middlesex County tip: Edison has one of the largest childcare markets in central NJ with good options at various price points.

Somerset County

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,500-$2,100$18,000-$25,200
Toddler Daycare$1,300-$1,850$15,600-$22,200
Preschool$1,150-$1,650$13,800-$19,800
Nanny$3,300-$4,500$39,600-$54,000
Home Daycare$1,100-$1,550$13,200-$18,600

Key towns: Bridgewater, Basking Ridge, Bernardsville, Hillsborough, Franklin Township

Somerset specifics:

  • Basking Ridge has premium corporate options (many pharma company families)
  • Bridgewater offers good value with many chain centers
  • Hillsborough is one of the more affordable towns

Mercer County

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,400-$1,950$16,800-$23,400
Toddler Daycare$1,200-$1,700$14,400-$20,400
Preschool$1,050-$1,550$12,600-$18,600
Nanny$3,100-$4,300$37,200-$51,600
Home Daycare$1,000-$1,450$12,000-$17,400

By area:

AreaInfant DaycareToddler DaycareNotes
Princeton$1,700-$2,200$1,500-$1,950University town premium
West Windsor$1,500-$2,000$1,300-$1,800High demand
Pennington$1,450-$1,950$1,250-$1,750Smaller market
Hamilton$1,250-$1,700$1,050-$1,500More affordable
Trenton$1,000-$1,400$850-$1,200Abbott Pre-K available

South Jersey Costs

Camden County

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,200-$1,650$14,400-$19,800
Toddler Daycare$1,050-$1,450$12,600-$17,400
Preschool$900-$1,300$10,800-$15,600
Nanny$2,800-$3,700$33,600-$44,400
Home Daycare$850-$1,200$10,200-$14,400

Key towns: Cherry Hill, Haddonfield, Voorhees, Collingswood, Haddon Township

Camden County specifics:

  • Cherry Hill offers the best combination of quality and value in South Jersey
  • Haddonfield is more expensive but has excellent programs
  • Camden city has free Abbott Pre-K for all 3 and 4-year-olds

Burlington County

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,200-$1,700$14,400-$20,400
Toddler Daycare$1,050-$1,500$12,600-$18,000
Preschool$950-$1,350$11,400-$16,200
Nanny$2,700-$3,600$32,400-$43,200
Home Daycare$850-$1,200$10,200-$14,400

Key towns: Moorestown, Mount Laurel, Marlton, Medford, Burlington Township

Gloucester County

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,100-$1,550$13,200-$18,600
Toddler Daycare$950-$1,400$11,400-$16,800
Preschool$850-$1,250$10,200-$15,000
Home Daycare$750-$1,100$9,000-$13,200

Key towns: Washington Township, Deptford, Glassboro, Mullica Hill

Ocean County (Shore)

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,150-$1,600$13,800-$19,200
Toddler Daycare$1,000-$1,400$12,000-$16,800
Preschool$900-$1,300$10,800-$15,600
Nanny$2,600-$3,500$31,200-$42,000
Home Daycare$800-$1,150$9,600-$13,800

Key towns: Toms River, Brick, Jackson, Lakewood, Point Pleasant

Atlantic County (Shore)

Care TypeMonthly CostAnnual Cost
Infant Daycare$1,100-$1,500$13,200-$18,000
Toddler Daycare$950-$1,350$11,400-$16,200
Preschool$850-$1,200$10,200-$14,400

Key areas: Egg Harbor Township, Galloway, Margate, Ventnor


New Jersey Child Care Assistance

NJ Child Care Subsidy Program

Who qualifies:

  • Working families at or below 200% federal poverty level
  • Parents in approved education or training
  • Parents seeking employment (limited time)

Income limits (2024):

  • Family of 2: $39,440/year
  • Family of 3: $49,720/year
  • Family of 4: $60,000/year
  • Family of 5: $70,280/year

What's covered:

  • Licensed child care centers
  • Registered family child care
  • Before/after school programs

Copay structure:

  • Based on income and family size
  • Ranges from $0 to $190/week

How to apply:

  • Contact your county board of social services
  • Call 1-800-332-9227
  • Apply online at njchildcaresubsidy.org

NJ State Preschool Program (Abbott Districts)

One of the strongest free preschool programs in the country.

What it is: Free, full-day, full-year preschool for all 3 and 4-year-olds in 31 former Abbott districts.

Abbott districts include:

  • Newark
  • Jersey City
  • Trenton
  • Camden
  • Paterson
  • Elizabeth
  • Passaic
  • East Orange
  • New Brunswick
  • Perth Amboy
  • Asbury Park
  • And 20 more urban districts

Program details:

  • Universal access (no income requirement in these districts)
  • Full-day (6+ hours)
  • Full-year (approximately 245 days)
  • High-quality curriculum
  • Small class sizes

Cost: Completely free for all residents of eligible districts.

Expanding Pre-K Beyond Abbott Districts

NJ continues to expand state-funded Pre-K to additional districts.

How to check:

  • Contact your local school district
  • Visit nj.gov/education/ece/
  • Call 609-376-3500

Currently expanding to: Over 200 additional districts have received expansion funding.

Head Start and Early Head Start

Who qualifies:

  • Families at or below 100% federal poverty level
  • Foster children
  • Homeless families
  • Children with disabilities

Cost: Free.


Ways to Save on Childcare in NJ

1. Check for Abbott/State Pre-K

If you're in an eligible district, Pre-K is free for 3 and 4-year-olds. This saves $15,000-25,000 over two years.

2. Dependent Care FSA

NJ Advantage: NJ has a graduated income tax (1.4-10.75%), so higher earners save more on state taxes.

Savings on $5,000 contributed:

Income LevelFederal SavingsNJ State SavingsTotal Savings
$75,000$1,100$277$1,377
$100,000$1,200$319$1,519
$150,000+$1,600$538$2,138

3. NJ Earned Income Tax Credit

NJ provides 40% of federal EITC for qualifying families (one of the highest state rates).

Example: If you receive $3,000 federal EITC, NJ adds $1,200.

4. South Jersey Options

LocationInfant Costvs. Bergen County
Ridgewood$2,300baseline
Cherry Hill$1,400-$900/month
Toms River$1,350-$950/month
Gloucester Co.$1,250-$1,050/month

Annual savings: $10,800-12,600 by choosing South Jersey.

5. Licensed Home Daycare

Family child care costs 25-35% less than centers in NJ.

Finding registered providers:

  • NJ Child Care Resource and Referral: childcarenj.gov
  • Check registration status online
  • Visit before enrolling

6. Cross-Border Options

Some NJ families consider:

  • Pennsylvania (Bucks County): 15-25% lower than comparable NJ areas
  • Delaware: No sales tax, lower costs
  • Staten Island, NY: Sometimes comparable, different programs

Finding Childcare in New Jersey

Grow NJ Kids Quality Rating

NJ's quality rating system helps identify high-quality programs.

Rating levels:

  • Participating: Enrolled in quality improvement
  • 1 Star: Meeting quality standards
  • 2 Stars: Exceeding standards
  • 3 Stars: High quality

Check ratings at: childcarenj.gov

Licensing Requirements

NJ has some of the strictest childcare licensing in the country:

Age GroupStaff:Child RatioMaximum Group Size
Infants (0-18 months)1:48
Toddlers (18-30 months)1:612
Preschool (2.5-4 years)1:1020
Pre-K (4-5 years)1:1224

These low ratios contribute to higher costs but also higher quality.


FAQ

Q: Why is New Jersey childcare so expensive?

A: High cost of living, strict licensing requirements (some of the lowest child-to-staff ratios in the nation), expensive real estate, proximity to NYC, and high insurance costs all drive prices up. NJ's quality standards are among the highest in the country.

Q: What's the cheapest area in NJ for childcare?

A: South Jersey (Camden, Gloucester, Salem, Cumberland counties) has the lowest costs—30-40% less than North Jersey. Ocean and Burlington counties offer moderate prices with shore access.

Q: Does NJ have free Pre-K?

A: Yes—in 31 Abbott districts (Newark, Jersey City, Camden, etc.) and expanding to other areas. All 3 and 4-year-olds in Abbott districts receive free, full-day preschool regardless of family income.

Q: Is it cheaper to live in NJ and commute to NYC or use NYC childcare?

A: NJ childcare is generally 20-40% cheaper than Manhattan but similar to outer boroughs (Queens, Brooklyn). When factoring in NJ commuter tax benefits and lower cost of living, many families find NJ childcare more affordable overall.

Q: How long are NJ daycare waitlists?

A: Bergen and Essex County popular centers: 12-18 months. Hoboken/Jersey City: 9-15 months. Central Jersey: 6-12 months. South Jersey: 1-6 months. Always start looking early.

Q: Can I get childcare assistance if I make over $60,000?

A: The subsidy program has income limits around $60,000 for a family of 4. However, you may still benefit from FSA savings, tax credits, and if your 3-4 year old is in an Abbott district, free Pre-K is available regardless of income.


Conclusion

New Jersey is one of the most expensive states for childcare, but the state's strong Abbott Pre-K program and expanding preschool initiatives provide relief for many families. South Jersey offers significant savings compared to North Jersey, and the state's quality standards mean you're generally getting high-quality care.

Key takeaways:

  • North Jersey (Bergen, Essex) is most expensive; South Jersey offers 30-40% savings
  • Abbott district Pre-K is free and excellent—a huge benefit if you qualify
  • NJ's EITC at 40% of federal EITC is among the nation's highest
  • Start waitlists very early, especially in North Jersey and Hudson County
  • Quality ratings through Grow NJ Kids help identify good programs

More NJ childcare resources:

What every centre asks you to bring

Whatever else changes between programmes, the supply list barely does. These four turn up on nearly every one.

Makemake Organics Organic Cotton Nap Mat
Best Nap Mat

Makemake Organics Organic Cotton Nap Mat

~$98

GOTS-certified with a removable, machine-washable cover, which is what decides whether a mat survives a year of daily use.

Check price on Amazon
Skip Hop Sparks Kid's Backpack
Best Backpack

Skip Hop Sparks Kid's Backpack

$31

Sized for a preschooler rather than a school-age child, so it actually fits a classroom cubby.

Check price on Amazon
Yumbox Original Leakproof Bento Lunch Box
Best Lunch Box

Yumbox Original Leakproof Bento Lunch Box

$34

Leakproof compartments a small child can open unaided, which is the whole test for a daycare lunch.

Check price on Amazon
Name Bubbles Custom Name Labels (95 Labels)
Best Labels

Name Bubbles Custom Name Labels (95 Labels)

~$43

Ninety-five waterproof labels in six sizes. Every centre requires everything named, and this covers a full year.

Check price on Amazon

The purchases that actually move the budget

Wipes and labels are noise. These four are where the money in the first two years genuinely goes, and each one is bought roughly once.

Graco 4Ever DLX 4-in-1 Car Seat
Biggest Single Purchase

Graco 4Ever DLX 4-in-1 Car Seat

$320

Converts from rear-facing infant seat through to a booster, so it is bought once instead of three times. The single largest line on most first-year budgets.

Check price on Amazon
Spectra S2 Plus Electric Breast Pump
Pays For Itself

Spectra S2 Plus Electric Breast Pump

$220

Hospital-grade and quiet enough to use at a desk. Worth pricing against formula before you assume it is an expense rather than a saving.

Check price on Amazon
Infant Optics DXR-8 PRO Video Monitor
Best Monitor

Infant Optics DXR-8 PRO Video Monitor

$200

A dedicated parent unit with no app and no account, so there is nothing to hack and nothing for a sitter to configure.

Check price on Amazon
Toddleroo 3-in-1 Metal Superyard
Best Play Yard

Toddleroo 3-in-1 Metal Superyard

~$170

Turns any room into a safe space you can leave a toddler in, which is the difference between working from home and not.

Check price on Amazon

Free Life Insurance Quote

Free Life Insurance Quote for Parents

Childcare is one of the biggest line items in a young family's budget. Life insurance is how many parents make sure that care, and the rest of daily life, can keep going for their kids no matter what. Enter your details to start a free quote.

Sponsored. Submitting takes you to our partner Champion Life to finish your free quote.

Frequently Asked Questions

How much does infant daycare cost in New Jersey?+

Infant daycare in New Jersey ranges from about $1,600 to $2,400 per month in North Jersey, $1,400 to $2,000 in Central Jersey, and $1,200 to $1,700 in South Jersey. The statewide average is roughly $1,800 per month, about 33 percent above the national average.

Is childcare cheaper in South Jersey than North Jersey?+

Yes. South Jersey infant daycare runs about $1,200 to $1,700 per month versus $1,600 to $2,400 in North Jersey. Proximity to New York City pushes North Jersey, especially Bergen County, to the top of the range.

What childcare assistance does New Jersey offer?+

New Jersey offers the New Jersey Child Care Subsidy program for income-eligible working families, free preschool in many districts through the Preschool Education Aid program, Head Start, and the federal Dependent Care FSA that shelters up to $5,000 per year pre-tax.

How much of their income do New Jersey families spend on childcare?+

New Jersey families spend an average of 16 to 18 percent of household income on childcare, well above the federal affordability threshold of 7 percent. Only Massachusetts, California, and DC consistently cost more.

What is the average cost of daycare in New Jersey per month?+

The average cost of daycare in New Jersey is about $1,800 per month for infants statewide. Toddler daycare runs $1,000 to $2,100 per month and preschool $900 to $1,800 per month, depending on region. Home daycare is the cheapest licensed option at roughly $850 to $1,700 per month.

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Written by

ChildCarePath Team

Our team is dedicated to helping families find quality child care options through well-researched guides and resources.

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