The Costs of Raising a Child: Bargain, Regular or Luxury

Like the debates over the poverty line, the current debate over the cost of raising a child has caused a stir. (How can you not factor in housing and childcare in these latest calculations? Bargain-shopping, seems to be the reply.)

In a previous job, I was once asked to update the Manitoba Department of Agriculture’s 2004 study on the cost of raising a child. Which child, I asked? The one that went to the local library in the summer because it was free, the one that went to day-camp, or the one that went to overnight-camp? I couldn’t do it.

Kids, it seems, come in bargain, retail and luxury versions. So, following on the concrete examples offered by academics like Peggy MacIntosh for how race affects privilege, here are some contrasts for children. Assign the costs yourself.

Category Bargain Retail Luxury
Housing Apartment Semi-detached in city or House in suburbs Detached downtown (and country escape) or House in country
Sleeping arrangements Bunk beds Double bed King-sized bed
Transport to (high) school Walk Bus pass Drive
School lunch Bread & butter 7 Grain bread & meat / cheese Prepared hot lunch
Tutoring After school (detention) Local university student Professional tutor
Childcare Neighbour / Family / Stay home Childcare centre, preferably licensed Nannies
Summer vacation Visit to family (again) Cottage (again) Europe (again)
Summer camp Community agency with field trips to local park Skills / Interest-based camp (Circus, Science, Video Games, etc.) Overnight “Away” camp, one month plus.
Home computer Anything 5 years old; no printer Personal Computer (shared desktop) Mac Computer (own laptop)
Outside play area Sidewalk Backyard Tennis club
Birthday present New clothes New toys New electronics
Dishwasher Family member Maytag Maid
Laundry Laundromat Kenmore Maid
High school failure Drop-out Alternative high school Prep school
Crooked teeth So? Braces, but only for one sibling Invisible braces
School supply shopping Dollar Store Staples Apple store
Birthday party Home, with games Party Room (bowling, play gym, etc.) Home (with bowling, bouncy castle, pony, clown, etc.)

Lots more examples to think of, no?

The Cost of Raising Children, Sarlo, Fraser Institute, 2013

Leaving Children Out in the Cold, blog post, Canadian Centre for Policy Alternatives

The Real Cost of Raising Kids, MoneySense, 2011

How much does it cost to raise a child?, Canadian Finance blog

Canadian kids are cheaper, Straight Goods, 2001

Cost of Raising a Child Calculator, United States Department of Agriculture

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