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 how much a single-income family needs to make in Texas in 2026

Photo by Jimmy Dean on Unsplash

The income needed for a single-income household to raise a child in Texas is lower than it was last year.

With childrearing costs in the Lone Star State adding up to tens of thousands of dollars per year, many Texas families are navigating a difficult decision: should both parents work or should one parent stay home to raise the child?

For Texas families that choose the latter, the working parent needs to make nearly $73,000 per year to support their child and the stay-at-home parent, a new income analysis has revealed.

The newly released SmartAsset report used MIT's Living Wage Calculator to estimate the annual living wages needed across all 50 states for a three-person household with two working adults and one child, and a family with one working adult, a stay-at-home parent, and one child. Costs included food, housing, childcare, healthcare, transportation, incremental income taxes, and "other necessities."

A Texas household with one working parent needs to make $72,925 to support their stay-at-home counterpart and their child, the study found. That's $1,809 less than what was needed in 2025.

Meanwhile, the combined income needed for a household with one child and both parents working full-time is $85,030.

Texas ranked No. 42 in SmartAsset's ranking of states with the highest minimum income needed to support a family with one working parent, one stay-at-home parent, and one child. That also situates Texas as the 9th most affordable state for single-income families. But there are risks associated with only having one breadwinner in the family.

"A single income family with small children potentially saves in child care costs over a household with two working parents," the report's author wrote. "The main disadvantages are the lost salary and retirement contributions, Social Security earnings history and employer health benefits."

There aren't any specific tax benefits to having a parent stay at home to raise their child full time, but SmartAsset says single-income families can claim a tax credit under the One Big Beautiful Bill Act.

"[S]ingle-income families may claim the Child Tax Credit — up to $2,200 per qualifying child for 2026 ($1,700 refundable) — on the same terms as any other family," the report said.

SmartAsset's latest report only looks at costs on a statewide basis, but the cost to raise a child will also vary greatly depending on the city you live in. Raising a child in Dallas-Fort Worth might pose a challenge for some families, where the cost for childcare alone adds up to $10,736 and overall costs can surpass $23,000.

For households with two children, there might be additional strains on what a family might consider a "comfortable living." A March 2026 SmartAsset study determined a Dallas family with two working parents need to make a combined income of $214,490 to have a financially stable life while raising two children.

The top 10 states with the lowest minimum income needed for single-income families are:

Arkansas ($68,869)
Mississippi ($70,054)
Kentucky ($70,179)
West Virginia ($70,283)
North Dakota ($71,219)
Oklahoma ($71,365)
Louisiana ($71,406)
Missouri ($72,862)
Texas ($72,925)
Tennessee ($72,946)

smartasset reports texas family income