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