Minnesota Childcare Subsidies & Assistance Programs (2026)
Minnesota's Child Care Assistance Program (CCAP) is one of the stronger state childcare subsidy programs in the nation. With Minneapolis-St. Paul infant daycare averaging $17,500/year, understanding your options can save thousands annually.
Available Programs
| Program | Ages | Eligibility | Benefit |
|---|---|---|---|
| CCAP Basic Sliding Fee | 0–13 | Up to 67% SMI, working or in school/training | Sliding-fee childcare at licensed providers |
| CCAP MFIP (MN Family Investment Program) | 0–13 | MFIP participants | Childcare while participating in MFIP activities |
| Head Start / Early Head Start | 0–5 | Below 100% FPL | Free comprehensive early childhood program |
| School Readiness Plus | 3–4 | At-risk criteria | State-funded preschool supplement |
CCAP Income Eligibility (2026)
Minnesota CCAP Basic Sliding Fee covers families earning up to 67% of State Median Income:
| Family Size | 67% SMI Entry Limit (approx.) |
|---|---|
| 2 | ~$35,000 |
| 3 | ~$43,500 |
| 4 | ~$52,000 |
Minnesota is known for strong quality standards. CCAP can be used at licensed centers and licensed family daycare homes with high quality ratings. Income limits are updated annually; verify current limits at mn.gov/dhs.
How to Apply for CCAP
- Find your county office: CCAP is administered at the county level in Minnesota. Use the county locator at mn.gov/dhs to find your county or tribal social services office.
- Submit your application: Most counties accept applications in person or by mail. Some counties offer online portals — check your county's website for current options.
- Call the DHS INFO line: Reach the Minnesota Department of Human Services at 651-431-2000 for questions about CCAP eligibility and the application process.
- Gather documents: You'll need proof of income (pay stubs or tax returns), work or school documentation, your child's birth certificate, and provider information.
- Choose a provider: CCAP funds can be used at licensed childcare centers and licensed family daycare homes. Minnesota prioritizes high-quality providers in its Parent Aware rating system.
Copay: Families pay a sliding-scale copay based on income. Lower-income families pay less; the copay increases as income approaches the 67% SMI threshold.
Minnesota State Tax Benefits for Childcare
- Minnesota Refundable Child and Dependent Care Credit: Minnesota offers a refundable Child and Dependent Care Credit for families earning under $52,710 (filing jointly). The credit can be worth up to $1,050 for one child or $2,100 for two or more children — and it's refundable, meaning it pays out as a refund even if you owe no state income taxes.
- Federal Dependent Care FSA (DCFSA): Minnesota families can contribute up to $5,000 pre-tax through a workplace DCFSA, lowering both federal and state taxable income.
- Federal Child and Dependent Care Credit: All Minnesota families can claim the federal credit for up to $3,000 in qualifying expenses for one child or $6,000 for two or more children.
See our Childcare Tax Benefits Guide for federal and state tax savings strategies.
Frequently Asked Questions
What is Minnesota's income limit for childcare assistance?
Minnesota CCAP Basic Sliding Fee covers families earning up to 67% of State Median Income — roughly $43,500/year for a family of 3. This is one of the more generous thresholds in the Midwest.
Does Minnesota offer a childcare tax credit?
Yes. Minnesota offers a refundable Child and Dependent Care Credit for families earning under $52,710. Unlike the federal credit, Minnesota's version is refundable — meaning lower-income families can receive it as a refund even if they owe no state income tax.
How do I apply for CCAP in Minnesota?
Apply through your county social services office. Find your county at mn.gov/dhs. You'll need proof of income, work/school documentation, child's birth certificate, and provider information. Applications are accepted in person or by mail at most counties.
Calculate Minnesota Childcare Costs
See childcare cost estimates for your Minnesota zip code, including tax savings and subsidy estimates.
Calculate Your Costs