Is Childcare Affordable in Cumberland County, NJ?
No — infant childcare in Cumberland County, NJ is not affordable by the federal benchmark. At $14,891 per year, center-based infant care consumes 23.9% of the $62,310 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 $212,729 a year ($150,419 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 Cumberland County, infant center care costs $14,891/yr against a median household income of $62,310, a burden of 23.9% — 3.4× the 7% ceiling.
To bring infant center care under the 7% line, a Cumberland County household would need to earn about $212,729/yr — roughly $150,419 above the local median of $62,310. Put differently, a median-income family pays 23.9% of everything they earn before tax just for one infant in center-based care.
The cheapest path is family-based home care at $176/wk ($9,147/yr), which works out to 14.7% of median income — still above the 7% threshold, but 39% 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) | 23.9% (Severe) |
| HHS Affordability Threshold | 7.0% |
| Income Needed to Be Affordable | $212,729/yr |
| Median Household Income | $62,310 |
| Family-Care Burden (cheapest) | 14.7% |
Cost by Care Type
| Age Group | Center/Wk | Family/Wk |
|---|---|---|
| Infant (0-1) | $286 | $176 |
| Toddler (1-2) | $277 | $178 |
| Preschool (3-5) | $277 | $166 |
| School-Age (6+) | $133 | $144 |
How does Cumberland County compare?
At $286/wk for infant center care, Cumberland County runs 65% above the national median of $174/wk.
The Childcare Burden Index here is 23.9% 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 Cumberland County runs $176/wk for infants — about 39% less than center-based care, or $5,744 in annual savings. School-age care is the cheapest category at $133/wk (center) or $144/wk (family).
More about Cumberland County
This answer pulls from the DOL National Database of Childcare Prices, the authoritative federal source for U.S. childcare prices. The headline number above is the direct answer; what follows is the additional context most readers need to use the answer for a real decision rather than just a fact lookup.
For readers turning this answer into action: cross-reference against the underlying the DOL National Database of Childcare Prices record before acting on time-sensitive decisions. The site renders the data as it was published; subsequent revisions can shift the picture, and the live federal data is always the authoritative current reference.
Source: U.S. Department of Labor Women’s Bureau Childcare Prices, 2026.