Can a typical family afford childcare in Garfield County, CO?

For most families, no. At $15,462/yr (18.7% of the $82,772 median household income), infant center care in Garfield County costs 2.7× the 7% HHS affordability threshold. A household would need to earn roughly $220,886/yr — about $138,114 above the local median — for this care to count as affordable. Even cheaper family-based home care runs 16.8% of income, still above the 7% line.

What income do you need to afford daycare in Garfield County, CO?

For infant center care ($15,462/yr) to stay within the 7% HHS affordability threshold, a household would need to earn about $220,886 a year. The local median household income is $82,772, a gap of $138,114. These figures cover one child; a second child in care roughly doubles the income you'd need.

What's cheaper, a daycare center or family daycare in Garfield County?

Family-based (home) daycare is the cheaper option in Garfield County. Infant family daycare runs $268/wk versus $297/wk for a center — about 10% less per week. Annualized, that's $1,542 in savings per year. Center-based care offers more structured curricula and staff redundancy; family daycare is run out of a provider's home with smaller group sizes and often more flexible hours.

How much does childcare cost in Garfield County, CO?

Infant center-based childcare in Garfield County, CO costs $297 per week ($15,462 per year), based on DOL data. Family-based infant care is $268 per week ($13,920 per year). With a median household income of $82,772, the childcare burden index is 18.7% of income. The national median weekly infant center care cost is $174 for comparison.

How does Garfield County compare to the rest of CO?

Garfield County is one of the counties tracked in CO for the DOL National Database of Childcare Prices. See the full state ranking for direct comparison.

Is Childcare Affordable in Garfield County, CO?

No — infant childcare in Garfield County, CO is not affordable by the federal benchmark. At $15,462 per year, center-based infant care consumes 18.7% of the $82,772 median household income — 2.7× the 7% the U.S. Department of Health and Human Services treats as affordable. A household would need to earn about $220,886 a year ($138,114 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 Garfield County, infant center care costs $15,462/yr against a median household income of $82,772, a burden of 18.7% — 2.7× the 7% ceiling.

To bring infant center care under the 7% line, a Garfield County household would need to earn about $220,886/yr — roughly $138,114 above the local median of $82,772. Put differently, a median-income family pays 18.7% of everything they earn before tax just for one infant in center-based care.

The cheapest path is family-based home care at $268/wk ($13,920/yr), which works out to 16.8% of median income — still above the 7% threshold, but 10% 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)	18.7% (High)
HHS Affordability Threshold	7.0%
Income Needed to Be Affordable	$220,886/yr
Median Household Income	$82,772
Family-Care Burden (cheapest)	16.8%

Cost by Care Type

Age Group	Center/Wk	Family/Wk
Infant (0-1)	$297	$268
Toddler (1-2)	$253	$241
Preschool (3-5)	$271	$241
School-Age (6+)	$167	$188

How does Garfield County compare?

At $297/wk for infant center care, Garfield County runs 71% above the national median of $174/wk.

The Childcare Burden Index here is 18.7% of median household income — a high burden, more than double the 7% HHS affordability threshold.

For families looking to lower the bill, family-based (home) daycare in Garfield County runs $268/wk for infants — about 10% less than center-based care, or $1,542 in annual savings. School-age care is the cheapest category at $167/wk (center) or $188/wk (family).

View full Garfield County childcare data →See all CO county rankings →Most expensive childcare areas →Try the affordability calculator →

More about Garfield County

How much does childcare cost in Garfield County, CO? →

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.

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.