Average Nanny Cost at a Glance

What Factors Influence Nanny Rates?

Location

Nanny salaries vary widely depending on cost of living. For example, families in San Francisco or New York often pay 25–40% more than the national average.

Experience, Certifications & Special Skills

Nannies with newborn care certifications, bilingual skills, or years of experience can command significantly higher rates.

Schedule, Duties & Scope of Work

Full-time vs part-time, live-in vs live-out, and duties like driving, tutoring, or housekeeping can affect pay. More tasks = more compensation.

Cost Calculator by State and Major Cities

Live-in vs Live-out Nanny Costs

• Live-in Nanny: $600–$1,200/week plus room & board
• Live-out Nanny: $20–$30/hour, depending on duties and commute

While live-in nannies cost less per hour, families must provide a private room and cover food/utilities, which adds up.

Newborn Care, Multiples & Premium Services

Specialized newborn care (Newborn Care Specialist or NCS) can cost $30–$45/hour, especially overnight. Caring for twins or triplets typically adds 20–50% to the base rate.

Hidden Expenses Parents Overlook

• Payroll Taxes: 7.65% employer share for Social Security and Medicare (IRS Publication 926)
• Workers’ Compensation Insurance (required in some states)
• Agency Placement Fees: $1,500–$5,000 upfront
• Paid Time Off, Holidays & Sick Days
• Overtime Pay: Required for hours over 40/week in most states

How to Save Money and Negotiate Wisely

• Share a nanny with another family (“nanny share”)
• Offer a flexible schedule or reduced hours
• Provide perks instead of pay raises (e.g., transportation pass, gym membership)
• Use a clear nanny contract to prevent disputes
• Hire independently instead of via agency

Real-Life Case Studies

Case 1: Brooklyn Family with Two Kids

The Martins hired a live-out nanny for $25/hour to care for their toddler and infant. With payroll tax, paid leave, and an agency fee of $3,000, their annual cost came to $59,000.

Case 2: Denver Nanny Share

Two families in Denver split a $26/hour nanny. Each paid $13/hour and saved over $15,000/year compared to hiring solo.

Frequently Asked Questions

Is it cheaper to hire a nanny or use daycare?

Daycare is often cheaper, but nannies offer personalized care and flexible hours. Families with multiple children may find a nanny more economical.

Do I need to pay my nanny under the table?

No. In fact, it’s illegal. Legally employed nannies receive benefits and protections. You can use a payroll service to stay compliant.

How many hours a week do full-time nannies work?

Most full-time nannies work 35–50 hours per week, depending on the family’s needs and state overtime rules.

Should I provide benefits like health insurance?

While not required, offering health coverage helps attract and retain top talent. Many families also provide PTO and sick days.

What’s the best way to screen a nanny?

Start with references, resume, and a background check. Always conduct in-person interviews and trial days.

Key Takeaways & Next Steps

Now that you understand how much a nanny costs in 2025, you’re ready to make informed choices. Use our nanny cost calculator or contact us for help budgeting the right childcare fit for your family.