How Much Does Homeschooling Cost? A Guide for Families

Homeschooling opens up a whole new world of learning—but let’s be honest, when you’re building a learning plan from scratch, it’s easy to feel overwhelmed—especially when price tags range from “That’s it?” to “Wait, how much?”

The truth is that homeschooling can be affordable, flexible, and tailored to your budget. With options like piecing together a plan with free local resources, online classes, or Education Savings Accounts (ESAs), you’ve got more control than you think.

Here’s how you can plan a homeschooling budget that meets your child’s educational needs without overwhelming your wallet.

Understanding the average homeschooling cost 

There’s no one-size-fits-all price tag when it comes to homeschooling—because no two families do it exactly the same way. Some keep things simple with a few key resources and a strong library card. Others layer in online classes, field trips, and hands-on learning tools.

To help you get a clearer picture, we’ve broken down the most common expenses families consider. This list isn’t about what you have to buy—it’s about what’s possible and how each piece might fit into your own unique plan.

Basic supplies

These are your everyday essentials—things like notebooks, pencils, glue sticks, whiteboards, and markers. Depending on your child’s learning style, you might also want art supplies, folders, or basic tech accessories. Many families treat this like their own back-to-school shopping list, with costs spread out across the year.

Curriculum

Curriculum expenses can vary a lot depending on how you homeschool—and on the age of your learners. Most families spend far less on younger learners than they do on high schoolers. Some purchase all-in-one programs, while others piece together resources by subject. You might invest in physical textbooks, digital downloads, lesson plans, or educational subscriptions. Many families reuse materials across children to stretch their budget further.

While curriculum is a key part of many homeschool setups, it’s not essential for everyone—especially for families following unschooling or more interest-led approaches. What you choose (or don’t choose) really depends on your learning philosophy and goals.

Learning extras

These are the “hands-on” pieces that keep learning fun and engaging—things like science kits, educational games, storybooks, or manipulatives. They’re optional but often help bring lessons to life. Some families buy a few high-quality items up front, while others collect things slowly over time based on what sparks interest.

Online classes and programs

Online learning can be a central part of your homeschool setup—or just one of many tools in the mix. Costs vary depending on how often your child participates. Some families use online classes for key subjects or tutoring, while others explore interest-based topics like creative writing or coding. Many platforms offer single-session classes, semester courses, and everything in between.

Field trips and outings

Out-of-the-house learning adds depth to homeschool routines. Trips to museums, zoos, nature preserves, and historical sites can all count as part of the educational experience. Some outings are free or low-cost, while others (like traveling exhibits or guided tours) may require a little more planning and budget on your end.

Co-ops and group learning

Homeschool co-ops can be a great way to connect with other families, share resources, and build community. Some focus on academics, others on enrichment or social time. They’re also a helpful place to check out the curriculum before committing—many families swap, borrow, or buy used materials through their co-op. Costs vary—some are free and parent-led, while others may charge small fees for materials, space rental, or instructors. 

Tutoring or subject support

If your child needs extra help in a specific area—or if you prefer support for subjects you’re less confident teaching—tutoring can be a helpful add-on. Some families schedule occasional sessions, while others use it regularly. You might also explore small-group instruction as a more budget-friendly alternative to private tutoring.

Testing and reporting

Some states require annual assessments, standardized testing, or portfolio reviews as part of their homeschool laws. These requirements vary, and not every family will need to budget for them. If your state requires documentation, costs are usually modest but worth planning ahead of time.

Homeschooling v/s traditional schooling: What’s the difference?

Homeschooling and traditional schooling offer different experiences when it comes to cost, structure, and flexibility. If you're exploring your options, it can be helpful to compare what each path involves—both financially and day to day.

Estimated annual cost for each:

• Homeschool: $400–$3,000 per child

• Private school: $10,000–$30,000+ per child

• Public school: Covered by the state, but will involve indirect costs that can range from a few hundred dollars to a few thousand. Indirect costs include money for supplies, transportation, extracurricular activities, and school events. 

Pros of homeschooling:

• Personalized learning pace and style

• Flexible daily schedule that fits your family

• Fewer distractions and behavioral interruptions

• More influence over what and how your child learns

• Better support for neurodivergent or gifted learners

• Lower overall cost than private schooling

Cons of homeschooling:

• Requires more time and involvement from parents

• Social and extracurricular options take more planning

• Families must manage legal requirements and recordkeeping themselves

• If families decide to outsource their legalities to an umbrella school, it could potentially drive up the cost 

Umbrella school: In some states, homeschoolers can enroll in umbrella schools—institutions that offer administrative support and educational oversight to help families meet state requirements. While not available everywhere, umbrella schools can provide structure and legitimacy to your homeschool program where it's needed. Common features may include record-keeping, report cards, attendance tracking, and curriculum guidance. Some also offer extras like student ID cards, field trips, clubs, and academic contests. If your state allows it, an umbrella school can be a helpful partner in balancing educational freedom with formal support.

Pros of public schooling:

• No tuition; publicly funded

• Access to certified teachers, school counselors, and support staff

• Structured schedule with built-in routines

• Extracurriculars such as clubs, athletics, and other activities

Cons of public schooling:

• Less flexibility in schedule and curriculum

• Class sizes may limit individualized attention

• Families may still pay out-of-pocket for supplies, activities, and tech fees

• Learning pace and teaching methods may not align with every learner’s needs

Pros of private schooling:

• Structured academic program with experienced teachers

• Often includes arts, athletics, and enrichment as part of the school day

• Smaller class sizes in many schools

• May offer specialized programs (e.g., STEM, language immersion, religious studies)

Cons of private schooling:

• High tuition costs

• Less flexibility in schedule or teaching pace

• Admission can be competitive or limited

• Curriculum may not be as customizable

• Not required to provide IEP and 504 accommodations or special education services, which can make it harder for students with learning differences or disabilities to get the support they need

Finding financial and legal assistance for homeschooling

Many states offer programs that help families cover the cost of homeschooling—making personalized learning more accessible to you than ever. Education Savings Accounts (ESAs), for example, allow you to use state-allocated funds to pay for approved educational expenses, including online classes, tutoring, and materials. 

Note: ESAs aren’t available in every state, and eligibility can vary based on things like income, student needs, or prior school enrollment. If you’re interested in this option, it’s worth checking your state’s guidelines to see what programs might apply to your family.

If you're using ESA funds, Outschool offers a wide range of eligible classes across core subjects, enrichment, and one-on-one tutoring. Parents often use their funding to build a flexible learning plan that fits their child’s pace, interests, and goals. While Outschool is an approved provider in many states, we’re not currently available in every ESA program, so it’s a good idea to check your state’s vendor list or visit our ESA guide to learn more.

You can also find support through organizations like the Home School Legal Defense Association (HSLDA), which offers grants and legal guidance, especially during times of transition or financial need. HSLDA is a long-standing resource for understanding homeschool laws, particularly for families following more traditional approaches.

While they do not currently support ESA programs or independent charter schools in some states, they do advocate for tax credit scholarships as an alternative way for homeschoolers to access educational funding. If you’re exploring models like unschooling or learner-led education, you may want to explore additional resources to find the best fit for your family’s needs.

Every state has its own homeschool guidelines, so it’s worth taking time to understand what’s required where you live. Some states ask for progress updates or curriculum plans, while others keep it more flexible. Knowing the rules can help you confidently make the most of the funding and opportunities available to your family.

Tips for homeschooling on a budget

Homeschooling doesn’t have to mean spending a fortune. In fact, plenty of families build rich, engaging learning experiences while keeping costs low—and you can, too. Here are some simple, budget-friendly tips to help you make the most of what you have while still giving your learner the support they need:

• Start small with affordable classes Live online classes under $20 can be a great way to explore new subjects or interests without a big financial commitment. They’re flexible, easy to fit into your schedule, and let you try out different learning formats.

• Mix and match learning formats Combining live classes with self-paced learning can help you cover a wide range of subjects while staying within your budget. A flexible schedule lets you focus on spending where it matters most for your learner.

• Look into Education Savings Account (ESA) programs Some states offer funding families can use toward homeschool expenses like classes, tutoring, or materials. It’s worth checking what’s available in your area—many families use ESA funds to support their learning plans. 

• Explore state-funded homeschool alternatives

In addition to ESAs, some states offer publicly funded alternatives to traditional schools that can provide both financial and community support. 

For example, Independent Study Charter Schools in California and Correspondence Schools in Alaska offer flexible learning options that still qualify for public funding. 

Programs like OpenEd and Venture Upward also help families access educational resources while staying connected to public systems.

• Team up with other homeschoolers Sharing resources with other families—like books, games, and curriculum materials—can help keep costs down. Some families spend as little as $100 a year by joining a resource swap group or rotating materials with others.

• Join a local co-op or online community Homeschool co-ops offer group learning experiences, shared teaching responsibilities, and a supportive community. Many operate on a volunteer basis or low-cost model, making them both affordable and enriching. 

If you’re looking to get support online, communities like SEA Homeschoolers offer a welcoming space to share ideas, get support, and exchange resources with other families navigating the homeschool journey.

• Get the most out of your library card Libraries are full of free learning tools, from books and digital resources to educational programs and study spaces. They’re also a great way to connect with other homeschool families in your community. Some libraries even have homeschool resource centers and/or free passes to local museums, zoos, and more, which you can check out for temporary use. 

Common questions about homeschooling expenses

Planning a homeschool budget can bring up a lot of questions—especially when you're working to balance educational goals with everyday costs. Here are some of the most common things families consider as they map out their approach.

What should I include in my homeschool budget?

Curriculum is usually the biggest part of a homeschool budget—whether that’s a full program or a mix of subject-specific resources. On top of that, families often plan for extras that make learning more engaging, like field trips, creative supplies, science kits, or educational subscriptions. Consider what is most important to your family and their unique needs, and go from there.

What financial aid options can make homeschooling more affordable?

Education Scholarship Accounts (ESAs) and state grants can significantly reduce your homeschooling costs. For example, North Carolina's ESA+ program provides substantial support for students with special needs. Plus, Outschool accepts ESA funds from certain states, making it easy to access thousands of engaging classes.

How can I save money while homeschooling multiple children?

Look for resources that can work across age groups or subjects—like unit studies or project-based learning. Using materials that can be shared or adapted helps keep things cost-effective when teaching more than one learner at home. Forming a group with other homeschooling parents in the neighborhood and sharing resources is also a great way to save money on study material. 

What digital tools help manage homeschool expenses?

Popular apps like YNAB or Every Dollar make expense tracking simple but a simple excel sheet to track expenses is always a good place to start. 

How can I build a quality curriculum without breaking the bank?

A mix of free and paid resources often works well. Many families start with foundational subjects, then add in interest-based classes, community programs, or DIY projects based on what’s available and affordable. The flexibility to adapt week to week makes it easier to stay within your budget while keeping learning fresh and engaging.

Deciding the best educational path for your family

Thinking through the costs of homeschooling is about more than just numbers—it’s about building a learning experience that truly fits your child. For some families, that might mean adjusting work schedules or finding new routines. For others, it’s about using their time and budget more intentionally. However, you approach it by creating a personalized path that often brings lasting value—both academically and emotionally.

Outschool offers flexible learning options for every kind of homeschool budget. Some families start with affordable classes across a wide range of subjects, while others build a full schedule with ongoing courses or one-on-one support. With so many ways to mix and match, it’s easy to create a personalized plan that fits your child’s needs and your family’s goals. 

If you want to know more about how Outschool can be your homeschooling partner, check out our Homeschool 101 guide for extra support as you map your educational journey.

Note from Outschool: Laws about homeschooling vary from state to state. Before beginning any homeschool program, be sure to learn about and follow all state laws and guidelines, including public health orders.

Outschool