Is Childcare Affordable in Morgan County, IL?
No — infant childcare in Morgan County, IL is not affordable by the federal benchmark. At $11,727 per year, center-based infant care consumes 19.2% of the $61,188 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 $167,529 a year ($106,341 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 Morgan County, infant center care costs $11,727/yr against a median household income of $61,188, a burden of 19.2% — 2.7× the 7% ceiling.
To bring infant center care under the 7% line, a Morgan County household would need to earn about $167,529/yr — roughly $106,341 above the local median of $61,188. Put differently, a median-income family pays 19.2% of everything they earn before tax just for one infant in center-based care.
The cheapest path is family-based home care at $182/wk ($9,447/yr), which works out to 15.4% of median income — still above the 7% threshold, but 19% 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) | 19.2% (High) |
| HHS Affordability Threshold | 7.0% |
| Income Needed to Be Affordable | $167,529/yr |
| Median Household Income | $61,188 |
| Family-Care Burden (cheapest) | 15.4% |
Cost by Care Type
| Age Group | Center/Wk | Family/Wk |
|---|---|---|
| Infant (0-1) | $226 | $182 |
| Toddler (1-2) | $172 | $164 |
| Preschool (3-5) | $158 | $158 |
| School-Age (6+) | $36 | $34 |
How does Morgan County compare?
At $226/wk for infant center care, Morgan County runs 30% above the national median of $174/wk.
The Childcare Burden Index here is 19.2% 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 Morgan County runs $182/wk for infants — about 19% less than center-based care, or $2,280 in annual savings. School-age care is the cheapest category at $36/wk (center) or $34/wk (family).
More about Morgan 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.
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.