Families earning over $100K in BC still benefit from childcare subsidies — specifically CCFRI (which applies at all income levels at participating centres) and potentially a reduced ACCB benefit. This guide covers what higher-income BC families actually pay for licensed daycare in 2026. For Smiling Kids Coquitlam: 604-600-4393. Daycare Coquitlam.
For information on BC childcare subsidies and licensed daycare regulations, visit the Government of BC Childcare Resources. Smiling Kids Childcare Centre is a licensed childcare facility meeting all BC childcare regulations.
What $85K-$130K Income Families Get
CCFRI (all income levels): Approximately $700-950/month automatic reduction at CCFRI-participating centres. This applies regardless of income. A family earning $150K still receives CCFRI at a participating centre.
ACCB at higher incomes (approximate 2026 amounts):
- $85,000-$95,000: ~$100-200/month
- $95,000-$111,000: ~$50-100/month
- Over $111,000: ACCB tapers to $0
Bottom line for families earning $100K-$130K at a CCFRI-participating Coquitlam centre: Net monthly cost is approximately $700-1,000/month for full-time infant care (CCFRI saving minus small/zero ACCB benefit, depending on income).
Is Licensed Daycare Still Worth It at These Income Levels?
Compared to a nanny arrangement (typically $2,500-3,500/month before tax for full-time infant care), even without ACCB, CCFRI-participating licensed group care at $700-1,000/month net represents significant savings for higher-income Coquitlam families. The developmental benefits of quality group care (language, peer socialization) are additional.
More: BC daycare cost 2026 | subsidy income limits | daycare vs nanny BC.
