How to Get Free or Discounted Childcare in Your Area
Childcare is one of the biggest monthly expenses for families in the United States. Whether you’re a single parent, a working couple, or a household trying to make ends meet, the cost of daycare or preschool can take up a huge portion of your income. But here’s the good news: there are many ways to lower or even eliminate those costs.
Across the U.S., government programs, nonprofit organizations, and even employers offer help with childcare. The trick is knowing where to look and how to qualify. In this article, we’ll explore national and local programs, plus other options that can help you save money and still get quality care for your child.
1. Head Start and Early Head Start
One of the best-known free childcare programs in the U.S. is Head Start. It serves children ages 3 to 5, while Early Head Start helps infants and toddlers up to age 3. These programs offer more than just daycare, they also provide early education, meals, and health services.
Who qualifies: Families with low income (at or below the federal poverty level) usually qualify. Children in foster care, experiencing homelessness, or receiving benefits like TANF or SSI are also eligible.
How to apply: Find a Head Start provider near you using the Head Start Locator.
If you’re not sure if you qualify for programs like this, it may be worth reading about TANF benefits and eligibility.
2. State Child Care Assistance Programs (CCAP)
Every U.S. state has some form of childcare assistance, often called CCAP or childcare vouchers. These programs cover part of your childcare costs if you’re working, in school, or in job training.
How it works: The state pays a portion of your childcare bill directly to the provider. You pay a smaller share, called a co-pay.
Who qualifies: Income and work/school status are key factors. Each state sets its own rules.
Where to apply: Contact your local Department of Human Services or find a Child Care Resource & Referral Agency.
3. State-Funded Pre-K Programs
Many states offer free or low-cost pre-kindergarten (Pre-K) for 3- and 4-year-olds. These programs are often run through public schools or community centers.
Who qualifies: Some states offer universal Pre-K for all children, while others limit it to low- or moderate-income families.
How to apply: Contact your local school district or visit your state education department’s website.
Need help figuring out housing support at the same time? Our guide to Section 8 affordable housing can help families balancing both needs.
4. Military Child Care Fee Assistance
Military families can get support through on-base childcare centers or fee assistance for off-base providers.
Who qualifies: Active duty service members, Guard/Reserve on active duty, and DoD civilians may be eligible.
How to apply: Start by visiting MilitaryChildCare.com to request care and learn about assistance programs.
5. Employer-Sponsored Child Care Benefits
Some employers offer child care support as part of their benefits package. This may include:
- Dependent Care FSA (lets you pay for childcare with pre-tax dollars)
- On-site daycare
- Discounts with local childcare providers
How to apply: Ask your Human Resources (HR) department what childcare benefits your job offers. If you work in a large company or organization, chances are good there’s something available.
6. Faith-Based Childcare Programs
Churches, synagogues, mosques, and other religious organizations often run low-cost or sliding scale childcareprograms. Some are open to the entire community, not just members.
How to apply: Reach out to local religious organizations near you and ask about their early childhood or daycare programs. They may also offer scholarships for families with financial needs.
7. Nonprofit and Community-Based Options
Community centers and nonprofits such as the YMCA and Boys & Girls Clubs often provide affordable childcare. Many offer:
- Subsidized daycare
- Preschool
- After-school programs
- Scholarships for families in need
You may also find help from community action agencies or charitable foundations.
How to apply: Contact local nonprofits or search online for “nonprofit childcare near me.” You can also use ChildCare.gov to find programs.
If your family is receiving housing support, you may be interested in the benefits of affordable housing, which often connect to community programs.
8. Child Care Tax Credits
Even if you’re paying for childcare out of pocket, you may be able to reduce your costs through tax credits.
Key Tax Credit Programs:
| Tax Credit | Max Benefit | Who Qualifies |
|---|---|---|
| Child and Dependent Care Credit | Up to $3,000 per child | Working parents who pay for care for kids under 13 |
| Earned Income Tax Credit (EITC) | Up to $7,430 (2023) | Low-to-moderate income workers with children |
| Dependent Care Flexible Spending (FSA) | Up to $5,000 (pre-tax) | Offered by employers; reduces taxable income |
Learn more about how tax credits may help you if you didn’t file a tax return, and check if you’re missing out on money you’re eligible for.
9. Child Care Scholarships and Sliding Scale Rates
Some private childcare centers and preschools offer scholarships or sliding scale tuition. This means your fee is based on your income.
How to apply: Ask childcare providers directly if they offer discounts or scholarships. Even if it’s not advertised, they might have options available.
10. Family, Friends, and Co-Op Childcare
Sometimes, neighbors or friends team up to create childcare cooperatives. These are informal arrangements where families take turns watching each other’s children. It’s a great low-cost or no-cost alternative to traditional care.
How it works: Parents set a schedule and rotate responsibilities. Some co-ops use a points system to keep things fair.
How to start: Talk to other parents in your neighborhood, community center, or school. You may also find co-ops through parenting groups on social media or local apps.
Frequently Asked Questions
What are the main government programs for free or low-cost childcare?
Head Start/Early Head Start (federal programs for young kids), state Child Care Assistance (CCAP), and state-funded Pre-K are among the biggest. These help reduce or eliminate childcare costs if you meet income and work/school requirements.
How does Head Start differ from state preschool?
Head Start focuses on early education, nutrition, and family services for children up to age 5 in low-income families. State-run preschool often targets 3- or 4-year-olds and may serve a broader or universal population. Both are free but eligibility can differ.
What is CCAP, and who qualifies?
Child Care Assistance Programs (CCAP) help cover daycare costs for low-to-moderate income families. You must usually be working, in school, or in job training. Each state sets its own income limits and co-pay requirements. Contact your local human services office or child care resource agency.
Are there programs specifically for military families?
Yes. Military Child Care Fee Assistance can help offset off-base childcare costs, and on-base centers often offer subsidized rates. Visit MilitaryChildCare.com or your installation’s family support office to learn about eligibility and how to apply.
Can employers help with childcare costs?
Some employers provide Dependent Care FSAs or on-site daycare. Others partner with local providers for discounts. Check with your HR department about childcare benefits, flexible spending accounts, or any special programs offered.
How do tax credits reduce childcare expenses?
The Child and Dependent Care Credit can refund up to $3,000 in eligible childcare costs per child. The Earned Income Tax Credit (EITC) also boosts refunds for low-income working families. Learn more in our article Child Tax Credit Payments FAQs .
What if I can’t find formal daycare I can afford?
Look into faith-based programs, nonprofits like the YMCA, or try a childcare co-op among friends and neighbors. Sometimes these are cheaper or free. If you also need help managing housing costs, read Section 8 Affordable Housing Guide .
How do I start applying for childcare subsidies in my state?
Begin with your state’s Child Care Resource & Referral agency or social services office. Each state has an application process—many are online. You’ll typically need income proof, children’s IDs, and employer/school details. Apply as early as possible due to waitlists.
Final Thoughts
If childcare costs are stressing you out, you’re not alone. But there are many programs and options that can lower or even eliminate that burden. Whether you qualify for Head Start, your state’s childcare assistance, or tax credits, help is out there. And don’t forget about community resources, nonprofits, or even your own employer.
Start by contacting your local Child Care Resource & Referral Agency or visiting ChildCare.gov to see what’s available near you. Then, explore your options one by one. You may find that combining several forms of help (like a subsidy plus a tax credit) can make all the difference.
If you’re managing housing too, don’t miss our guide on how to apply for Section 8 and how income affects Section 8 eligibility. Every dollar saved counts, and that includes the cost of quality childcare.
The sooner you apply, the better. Many programs fill up quickly, so take the first step today.