Family and Childcare Costs UK 2026 — Complete Financial Planning Guide

Average Childcare Cost UK 2026: Nursery, Childminder and After-School Prices

What childcare costs in the UK in 2026, using Coram's Childcare Survey: nursery and childminder prices after funded hours, regional differences, after-school care and government support.

Start here: Family Costs Hub.

Childcare is one of the biggest expenses for working parents in the UK. This page uses Coram’s 2026 Childcare Survey, which reports average prices after the funded hours that eligible working parents get in England.

Nursery and Childminder Prices

England, 50 Hours a Week After Funded Hours

These are average weekly prices for eligible working parents who pay for 20 of the 50 hours after the 30 funded hours.

Child’s ageNursery (weekly)Childminder (weekly)
Under 2£148.82£122.32
2 years£140.72£120.89
3-4 years£132.72£116.37

England, Without the Working Parent Entitlement

Where a child does not get the funded hours for working parents, nursery prices are much higher.

Child’s ageNursery, 25 hours (weekly)Nursery, 50 hours (weekly)
Under 2£188.75£372.06
2 years£174.85£351.81

Scotland and Wales

Neither Scotland nor Wales has an entitlement equivalent to England’s 30 hours for working parents of under-threes, so these 50-hour prices are not comparable with the English figures above.

CountryNursery, under 2 (weekly)Childminder, under 2 (weekly)
Scotland£259.10£286.53
Wales£325.12£271.78

Regional Differences

Nursery for Under-Twos, England, 50 Hours After Funded Hours

RegionWeekly price
Inner London£185.10
Outer London£171.39
South East£161.28
East of England£154.56
England average£148.82
South West£145.34
West Midlands£141.79
North East£140.30
North West£135.54
East Midlands£127.70
Yorkshire and the Humber£126.38

School-Age Childcare

Average weekly prices for children aged 5 to 11 (Coram, 2026):

PlaceAfter-school clubChildminder to 6pm
England£69.38£85.03
Scotland£71.08£94.31
Wales£74.31£81.81

Free Childcare Hours

Government Free Entitlement (England)

AgeHoursWho Qualifies
9 months to 4 years30 hours/weekEligible working parents
2-year-olds15 hours/weekFamilies getting certain benefits or support
3-4 year olds15 hours/weekAll families

Eligibility for 30 Hours

RequirementDetail
Both parents workingOr a single working parent
Minimum incomeEach parent earns at least the equivalent of 16 hours a week at the National Minimum Wage or National Living Wage
Maximum incomeAdjusted net income of £100,000 or less for each parent
Apply viaChildcare Choices website
ReconfirmEvery 3 months

Free hours are term-time only (38 weeks). Many providers “stretch” hours across the year, giving fewer weekly hours over more weeks.

Stretched Hours Calculation

OptionWeekly HoursWeeksTotal Annual Hours
Standard (term-time)30381,140
Stretched (all year)About 2252About 1,140

Reducing Childcare Costs

Tax-Free Childcare

How It WorksDetail
Government tops up£2 for every £8 you pay in
Equivalent to20% of the childcare bill
Maximum per child£2,000/year (£500 every 3 months), or £4,000/year (£1,000 every 3 months) if the child is disabled
For children aged11 or younger (16 or younger if disabled)
Income limitAdjusted net income of £100,000 or less for each parent

Tax-Free Childcare Example

Annual childcare billYou pay inGovernment addsTop-up
£5,000£4,000£1,000£1,000
£10,000£8,000£2,000£2,000
£15,000£13,000£2,000 (capped)£2,000
£20,000£18,000£2,000 (capped)£2,000

Childcare Element of Universal Credit

How It WorksDetail
CoversUp to 85% of childcare costs
Maximum a month (1 child)£1,071.09
Maximum a month (2 or more children)£1,836.16
Pay upfrontThen claim back

You cannot use Tax-Free Childcare at the same time as Universal Credit childcare costs. Compare the two before choosing.

Childcare Vouchers

Childcare vouchers are only available if you already joined a scheme before it closed.

Sources

  1. Coram Family and Childcare Survey 2026
  2. Gov.uk: Tax-Free Childcare
  3. Gov.uk: Universal Credit and childcare costs
  4. Gov.uk: Childcare support