How Illinois Compares
Tax Credits & Subsidies
All Illinois families can claim the federal Child and Dependent Care Tax Credit (CDCTC): 20-35% of up to $3,000 for one child or $6,000 for two or more (max credit: $1,050-$2,100). If your employer offers a Dependent Care FSA, you can save up to $5,000 pre-tax per year for childcare.
Illinois Childcare FAQ
How much does daycare cost in Illinois?
The average annual cost of center-based infant care in Illinois is $13,802 per year ($1,150/month). Family/home daycare is typically cheaper at $9,937 per year. Toddler care costs slightly less, averaging $12,500 per year for center-based care.
What is the cheapest childcare option in Illinois?
Family/home daycare is typically the most affordable option in Illinois, averaging $9,937 per year for infant care compared to $13,802 for center-based care — about 28% less. Other options include nanny sharing (splitting a nanny's cost with another family), au pairs, or cooperative childcare arrangements.
What percentage of income goes to childcare in Illinois?
In Illinois, infant center-based care costs approximately 17.6% of the median household income ($78,433). The federal government considers childcare affordable at 7% of household income — a standard that no state currently meets for infant care.
How does daycare compare to college tuition in Illinois?
Center-based infant care in Illinois ($13,802/year) is comparable to the average in-state public college tuition ($15,300/year). In many other states, daycare actually costs more than college.
What childcare tax credits are available in Illinois?
All Illinois families can claim the federal Child and Dependent Care Tax Credit (CDCTC) of 20-35% of up to $3,000 for one child or $6,000 for two or more children. Additionally, if your employer offers a Dependent Care FSA, you can set aside up to $5,000 pre-tax for childcare expenses. Some states offer additional state-level childcare tax credits.
Does Illinois have free pre-K?
No, Illinois does not currently offer universal pre-K for all families. Some income-eligible families may qualify for state-funded preschool programs or Head Start. Check your local school district for available pre-K options.