children don't come cheap

This is how much the cost to raise a child in Dallas climbed in a year

It costs more than $22,000 to raise a child in the Dallas area in 2025.

A new national study has revealed it now costs $411 more to raise a child in the Dallas area than it did last year.

SmartAsset's report "Cost of Raising a Child in Major U.S. Metros – 2025 Study" compared data from MIT's Living Wage Calculator to determine the annual costs for raising a child in 2024 and 2025 across the 48 biggest metropolitan areas in the U.S. Factors that contributed to each metro's total included the cost for childcare, additional housing costs, food, transportation, medical costs, and "other necessities."

In 2025, it will cost $22,337 annually to raise a child in the Dallas-Fort Worth-Arlington region, the report found. That amount has risen 1.87 percent since 2024, when childrearing in the Dallas area cost $21,926 a year.

Dallas has the second-highest costs for raising a child out of the four biggest Texas metros, right behind Austin.

"The cost of raising a child can change quickly, making it important for budding families to keep an eye on trends in their locale," the report said. "Between 2024 and 2025 alone, the average projected annual cost of raising a small child changed by a range of -15 percent to +22 percent, depending on the metro area."

Even though the cost of raising a child in Dallas has increased slightly in the last year, it's still on the low end nationally. The Dallas metro only ranked 38th (out of 48) in SmartAsset's ranking of metros where the cost of raising a child is the highest.

Boston-Cambridge-Newton, Massachusetts led the nation with the highest annual cost for raising a child, totaling more than $39,000, up from $37,758 in 2024.

Costs for raising a child in other Texas metros
Austin-Round Rock-San Marcos is – unsurprisingly – the most expensive Texas metro for raising a child, with costs surging nearly eight percent from 2024. It now costs $24,188 to raise a child in the Austin area, compared to $22,406 the year before.

There's better news for families in San Antonio. The San Antonio-New Braunfels area clocks in as the fifth most affordable U.S. metro in the study. In 2024, it cost $21,014 to raise a child in the Alamo City, but in 2025, it costs 0.33 percent less, at $20,945.

This is how much it costs to raise a child in San Antonio, according to SmartAsset:

Cost of childcare: $9,123
Housing costs: $3,232
Food costs: $1,644
Medical costs: $2,590
Transportation costs: $3,090
Civic costs: $474
Other costs: $791

Raising a child in Houston-Pasadena-The Woodlands now costs $21,868 per year, which is only $472 more than it did in 2024.

childcare costs reports smartasset families dallas fort worth arlington

income analysis

This is the family income needed for one parent to stay home in Texas

Photo by Vitaly Gariev on Unsplash

With costs to raise a child soaring over $20,000 a year in Texas, some households might decide to have one parent work while the other stays at home to raise their child.

The cost of raising a child has ballooned in major metros like Dallas-Fort Worth, forcing many families to weight the choice between paying for child care or having one parent stay home full-time.

A recent analysis from SmartAsset determined the minimum income one parent needs to earn to support their partner staying at home to raise one child in all 50 states. In Texas, that amount is just under $75,000.

The study used the MIT Living Wage Calculator to compare the annual living wages needed for a household with two working adults and one child, and a household with one working adult, a stay-at-home parent, and one child. The study also calculated how much it would cost to raise a child with two working parents based on factors such as "food, housing, childcare, healthcare, transportation, incremental income taxes and other necessities."

A Texas household with one working parent would need to earn $74,734 a year to support their stay-at-home partner and their child, the report found. If both parents worked in the household, it would require an additional $10,504 in annual income to raise their child.

SmartAsset said the cost to raise a child in Texas in a two-working-parent household adds up to $23,587. Raising a child in North Texas, however, is slightly more affordable. A separate SmartAsset study from June 2025 determined it costs $22,337 to raise a child in Dallas-Fort Worth.

In the report's ranking of states with the highest minimum income needed to support a family with one working adult, a stay-at-home parent, and one child, Texas ranked 32nd on the list.

In other states like Massachusetts where raising a child can cost more than $40,000 a year, the report's author says families will look for ways to reduce any financial burdens.

"This often includes considerations around who’s going to work in the household, and whether young children will require paid daycare services while parents are occupied," the report said. "With tradeoffs abound, many parents might seek to understand the minimum income needed to keep the family afloat while allowing the other parent to stay home to raise a young child."

The top 10 states with the lowest minimum income threshold to support a three-person family on one income are:

West Virginia – $68,099
Arkansas – $68,141
Mississippi – $70,242
Kentucky – $70,408
North Dakota – $70,949
Oklahoma – $71,718
Ohio – $72,114
South Dakota – $72,218
Alabama – $72,238
Nebraska – $72,966

texas income smartasset family

children don't come cheap

This is how much the cost to raise a child in Dallas climbed in a year

income analysis

This is the family income needed for one parent to stay home in Texas

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