Family and Childcare Costs UK 2026 — Complete Financial Planning Guide

How Much Does a Childminder Cost in the UK?

Average childminder costs by region, how childminder fees compare to nurseries, free childcare hours, and help with childcare costs. UK 2026 guide.

Start here: Family Costs Hub.

Childminder fees are one of the biggest costs for working parents. Here is what childminders charge across the UK, how to reduce the cost, and how they compare to other childcare options.

Average Childminder Costs by Age

Child’s ageAverage hourly rateAverage weekly cost (25 hours)Average weekly cost (50 hours)
Under 2£5.50–£7.00£137–£175£275–£350
Age 2£5.25–£6.50£131–£163£263–£325
Age 3–4 (before free hours)£5.00–£6.50£125–£163£250–£325
Age 3–4 (after 30 free hours)£5.00–£6.50£0–£100 (remaining hours only)£100–£195
School age (before/after school)£4.50–£6.00£45–£90 (10–15 hours)N/A

Childminder Costs by Region

RegionAverage hourly rate (under 2)Average weekly cost (25 hours)
London (Inner)£7.00–£9.00£175–£225
London (Outer)£6.50–£8.00£163–£200
South East£6.00–£7.50£150–£188
South West£5.50–£6.50£138–£163
East of England£5.50–£7.00£138–£175
West Midlands£5.00–£6.00£125–£150
East Midlands£5.00–£6.00£125–£150
North West£5.00–£6.00£125–£150
North East£4.50–£5.50£113–£138
Yorkshire£5.00–£5.75£125–£144
Wales£4.50–£5.50£113–£138
Scotland£4.50–£5.50£113–£138
Northern Ireland£4.00–£5.00£100–£125

Childminder vs Nursery Costs

FactorChildminderNursery
Average hourly rate (under 2)£5.50–£7.00£6.00–£8.00
Average weekly cost (25 hours, under 2)£137–£175£150–£200
Flexibility on hoursUsually more flexibleFixed sessions (mornings, full days)
Holiday chargesSome charge only for booked daysUsually charge during closures
Sibling discountsOften available (10–20% off)Less common
Registration feesRareCommon (£25–£100)
Included mealsUsually includedSometimes extra (£2–£5/day)
Ratios3 children under 5 per childminderVaries by age group

Annual Childcare Costs

Childcare typeHours/weekUnder 2 (annual)Age 2 (annual)Age 3-4 with 30 free hours (annual)
Childminder25£6,500–£9,100£6,200–£8,500£0–£5,200
Childminder50£13,000–£18,200£12,500–£16,900£5,200–£10,100
Nursery25£7,500–£10,400£7,000–£9,400£0–£5,500
Nursery50£15,000–£20,800£14,000–£18,800£5,500–£11,000

Government Help with Childcare Costs

Free Childcare Hours

AgeHours per weekWeeks per yearEligibility
9 months to 2 years15 hours38 weeksBoth parents working (or single working parent)
2 year olds15 hours38 weeksAll children from April 2025
3–4 year olds15 hours38 weeksAll children
3–4 year olds30 hours38 weeksBoth parents working, earning under £100,000 each

The free hours are delivered through Ofsted-registered childminders and nurseries. Not all childminders offer funded places.

Tax-Free Childcare

FeatureDetails
How it worksGovernment adds £2 for every £8 you pay into a childcare account
Maximum top-up£2,000 per child per year (£4,000 for disabled children)
EligibilityBoth parents working, earning at least NMW × 16 hours/week
Income cap£100,000 per parent
Age limitUp to age 11 (or 17 for disabled children)
Can use for childmindersYes — if Ofsted-registered

Universal Credit Childcare Element

FeatureDetails
What it coversUp to 85% of childcare costs
Maximum per month£1,014.63 for one child, £1,739.37 for two+ children
EligibilityOn Universal Credit, both parents working (or single parent working)
Childcare must beRegistered with Ofsted
Upfront cost issueYou pay first, then claim back — can get an advance if needed

Childcare Vouchers (Closed to New Applicants)

FeatureDetails
StatusClosed to new applicants since October 2018
Existing usersCan continue until the child leaves qualifying childcare
Tax savingUp to £933/year per parent (basic rate taxpayer)
Can use alongsideCannot use with Tax-Free Childcare or UC childcare element

What to Check When Choosing a Childminder

FactorWhat to ask
Ofsted registrationEssential — you cannot claim government help without it
Ofsted ratingCheck their latest inspection report
Fees and what is includedMeals, nappies, activities, outings
Holiday and sickness policyDo you pay when the childminder is ill or on holiday?
Notice periodUsually 4 weeks
DepositTypically one or two weeks’ fees
Sibling discountAsk — many offer 10–20% off
Pick-up and drop-offDo they do school runs?
ContractAlways get a written contract

How to Find a Childminder

ResourceDetails
Childcare.co.ukSearch by postcode for registered childminders
Your council’s Family Information ServiceFree local childcare search
Pacey.org.ukProfessional Association for Childcare and Early Years (PACEY)
Ofsted reportsCheck at reports.ofsted.gov.uk
Word of mouthAsk other parents in your area

Related guides:

Sources

  1. MoneyHelper — Everyday money