Is Childcare Affordable in Carter County, MT?
No — infant childcare in Carter County, MT is not affordable by the federal benchmark. At $10,992 per year, center-based infant care consumes 23.6% of the $46,486 median household income — 3.4× the 7% the U.S. Department of Health and Human Services treats as affordable. A household would need to earn about $157,029 a year ($110,543 more than the local median) for this care to fall under the 7% line.
The Affordability Math
Affordability isn't about the sticker price — it's the share of income childcare eats. The U.S. Department of Health and Human Services sets the line at 7% of household income. In Carter County, infant center care costs $10,992/yr against a median household income of $46,486, a burden of 23.6% — 3.4× the 7% ceiling.
To bring infant center care under the 7% line, a Carter County household would need to earn about $157,029/yr — roughly $110,543 above the local median of $46,486. Put differently, a median-income family pays 23.6% of everything they earn before tax just for one infant in center-based care.
The cheapest path is family-based home care at $166/wk ($8,657/yr), which works out to 18.6% of median income — still above the 7% threshold, but 21% cheaper than a center. Income-eligible families can also apply for the federal Child Care and Development Fund (CCDF) subsidy, which caps copays at 7% of income by design — see the subsidy options below.
| Affordability Measure | Value |
|---|---|
| Burden Index (infant center) | 23.6% (Severe) |
| HHS Affordability Threshold | 7.0% |
| Income Needed to Be Affordable | $157,029/yr |
| Median Household Income | $46,486 |
| Family-Care Burden (cheapest) | 18.6% |
Cost by Care Type
| Age Group | Center/Wk | Family/Wk |
|---|---|---|
| Infant (0-1) | $211 | $166 |
| Toddler (1-2) | $221 | $170 |
| Preschool (3-5) | $189 | $170 |
| School-Age (6+) | $189 | $158 |
How does Carter County compare?
At $211/wk for infant center care, Carter County runs 22% above the national median of $174/wk.
The Childcare Burden Index here is 23.6% of median household income — a severe burden, more than triple the 7% affordability threshold the U.S. Department of Health and Human Services uses.
For families looking to lower the bill, family-based (home) daycare in Carter County runs $166/wk for infants — about 21% less than center-based care, or $2,335 in annual savings. School-age care is the cheapest category at $189/wk (center) or $158/wk (family).
More about Carter County
The data source behind this answer is the DOL National Database of Childcare Prices. Every figure on the page traces back to that source; the methodology page describes the inputs and the refresh cadence in full detail.
A practical caveat: the headline answer above reflects the most recent the DOL National Database of Childcare Prices vintage; underlying data is often revised for months after first publication, and the right reference for any specific decision is whichever vintage is current at the time of the decision. The as-of date is stamped on every page.
Source: U.S. Department of Labor Women’s Bureau Childcare Prices, 2026.