Cost of Raising a Child Calculator
Estimate total cost of raising a child from birth to age 18.
Uses USDA data adjusted for inflation and region — national average is $233,000 per child.
The cost of raising a child from birth to age 18 varies widely based on location, income level, and lifestyle choices.
USDA estimates (adjusted to 2025 dollars): The USDA’s “Expenditures on Children by Families” report provides the most comprehensive data. For a middle-income, married-couple family, the average cost is approximately $310,000 to $350,000 per child (birth to 17). This does not include college costs.
Major expense categories (approximate share):
- Housing: 29%, the largest single expense
- Food: 18%, groceries and dining
- Childcare and education: 16%, daycare, preschool, school supplies
- Transportation: 15%, car seats, larger vehicle, driving teens around
- Healthcare: 9%, insurance premiums, copays, dental, vision
- Clothing: 6%, children outgrow clothes quickly
- Miscellaneous: 7%, entertainment, personal care, toys, activities
Regional differences:
- Urban Northeast: Highest costs, approximately 20-25% above average
- Urban South: Close to the national average
- Urban Midwest: Slightly below average
- Urban West: 10-15% above average
- Rural areas: Approximately 20-25% below urban costs
Income level impact: Lower-income families spend less in total but a higher percentage of their income. Higher-income families spend more in absolute dollars, particularly on education and activities.
Not included in this estimate: College tuition, room and board, wedding costs, or financial support after age 18.