03/28/2026
The Reality of Why Small-Town Childcare Centers Struggle:
Across many small counties in Kentucky, childcare centers operate on extremely thin margins. Most of our families rely on the Child Care Assistance Program (CCAP) — and centers like ours are truly grateful for it and perhaps couldn't operate without it. CCAP is what makes childcare possible for so many working parents and sadly, it's always in danger of being cut. There's no other federal or state funds that fill the gaps. Or if there are, we've not found them.
But here’s the part most people never see:
In many rural counties, KY CCAP pays only $27–$28 per day depending on the child’s age. Meanwhile, the highest‑funded counties in the state receive nearly double that amount per day. Yet every center — big or small — must meet the same staffing requirements, safety standards, and licensing rules. Sometimes it can be overwhelming.
We do participate in Child and Adult Care Food Program, but we don’t receive the waivers that many public schools get. Schools often qualify for waivers that allow them to provide free and reduced meals to every student, regardless of income. Childcare centers do not receive that same blanket support. We do follow CACFP rules and receive reimbursements, but it doesn’t come close to covering the full cost.
We believe that every child deserves a safe, loving place to grow, regardless of a parent’s paycheck. We stretch every dollar. We squeeze every penny. We do it because our family's matter. But it’s important for our community to understand that rural childcare centers aren’t choosing to struggle — the funding structure makes it incredibly hard to pay rent, extremely expensive liability insurance, pay staff fairly, and keep classrooms safe and consistent.
We love this work. We love our children. We love our small Kentucky communities.
We simply want to shine a light on the reality that many rural childcare centers face every day. Your support and understanding mean more than you know.
— Owl’s Treehouse Childcare & Learning Center