Guide to States Providing Financial Support for Homeschooling

Can homeschooling really be affordable?

For many parents, the cost of homeschooling can feel like a heavy burden, curriculum, supplies, extracurriculars, it all adds up quickly. But here's some good news: in the 2025–2026 school year, programs like Education Savings Accounts (ESAs) could cover up to $7,988 per student. 

This means homeschooling doesn't have to drain your wallet. If you’ve been wondering how to make homeschooling work financially, there are more options out there than you might think. In this post, we’ll break down the available financial support programs and show you how to make homeschooling both affordable and effective.

Key Takeaways

• Homeschooling Costs: Most parents spend between $500 and $2,500 annually on homeschooling, covering curriculum, supplies, and field trips.

• Financial Support Options: Programs like Education Savings Accounts (ESAs), tax credits, and grants can help offset homeschooling expenses in certain states.

• State-Specific Aid: States like Arizona, Florida, and Utah offer ESAs, while others provide tax deductions or reimbursements for educational costs.

• Eligibility & Application: Ensure you meet residency, income, and expense requirements before applying for financial aid, and keep thorough documentation for easy tracking.

How Much Does Homeschooling Actually Cost?

Homeschooling costs can vary widely based on the curriculum, learning style, and resources your family prefers. Most parents spend between $500 and $2,500 a year, depending on whether they choose pre-packaged or custom programs. Costs usually include books, online subscriptions, field trips, and occasional tutoring for challenging subjects. Setting a clear budget early helps you plan ahead and keep homeschooling both manageable and affordable.

To further manage these expenses, it's useful to explore the financial support options available to homeschooling families.

Common Homeschooling Expenses Parents Should Plan For

Homeschooling comes with a range of expenses, and knowing them upfront helps parents plan their yearly budget. Here are the most common costs you might need to cover:

• Curriculum and books:  Includes printed materials, digital lessons, and subject-specific guides tailored to your child’s grade.

• Online learning programs: Subscriptions to interactive platforms or virtual classes for core subjects and electives.

• Supplies and equipment: Art materials, science kits, writing tools, and sometimes a good printer or computer.

• Field trips and activities: Museum visits, educational outings, or local classes that bring lessons to life.

• Tutoring or co-op fees: Extra help for subjects like math or science, or joining local homeschool groups for shared learning.

• Testing and evaluation costs: Standardized test fees or professional evaluations required by certain states.

TSHA Tip: Plan ahead by mapping your annual curriculum needs and setting a monthly homeschool budget. This keeps your homeschooling organized, budget-friendly, and stress-free.

Now that you know what to expect financially, let’s take a look at the different forms of financial support that can help you.

Also read: Best States for Homeschooling in the US: A Comprehensive Guide

Types of Homeschool Financial Support You Can Explore

Homeschooling families often wonder what programs can help them manage education costs without compromising quality. Here’s a simple breakdown of the most common homeschooling financial support programs available in the USA.

1. Education Savings Accounts (ESAs) for Homeschoolers

Education Savings Accounts are state-sponsored programs that allow families to use public education funds for homeschool-related expenses. If you’re already homeschooling, you might be wondering whether you can still qualify. In most states with ESA programs, you can apply and start using funds once approved. ESAs are among the most flexible school choice funding options, covering curriculum, online classes, and tutoring in states like Arizona, Florida, and New Hampshire.

2. Tax Credits and Deductions for Homeschooling Parents

Some states offer tax credits or deductions to reduce the amount you owe on state taxes for homeschooling costs. Not every state provides these credits, so checking with your local Department of Education or tax authority is essential. When available, these programs can help offset expenses for curriculum, testing fees, and extracurricular activities, saving families hundreds of dollars annually.

3. Homeschool Grants and Scholarships

Grants and scholarships provide financial aid for homeschoolers, funded by nonprofits, state education programs, or private organizations. If you’ve ever wondered whether homeschoolers qualify for scholarships, the answer is yes; many are designed specifically for home-educated students. These can help with everything from core curriculum to STEM enrichment programs, reducing the yearly financial burden on your household.

4. Homeschool Reimbursement Programs

Reimbursement programs repay families for approved homeschooling expenses after receipts are submitted. It’s important to confirm what expenses are eligible before buying materials, as reimbursement is not guaranteed. These programs work well for parents who want to choose their own resources while still receiving financial support.

States offering ESAs and homeschool reimbursements often require detailed progress records and proof of curriculum use. TSHA’s Transparent Classroom tool helps you maintain state-compliant portfolios and lesson documentation, making it easier to apply for and retain financial aid.

Now that you’re familiar with the various types of support, let’s explore which states are offering these options right now.

Also read: Homeschool Grants: Where to Find Funding and Financial Aid

States with Financial Support for Homeschoolers

A growing number of states now offer homeschooling financial support in the USA in the form of ESAs, tax breaks, grants, or reimbursements, but programs, amounts, and rules differ a lot by state. Below is a grouping of the most relevant state programs by type, so you can scan homeschool funding by state quickly and check next steps for applications.

1. Education Savings Accounts (ESAs) / School Choice Programs

ESAs let families use public education dollars for approved homeschool expenses. Here are notable ESA / school-choice programs parents commonly use for homeschool funding:

• Arizona- Empowerment Scholarship Accounts (ESAs): Typical awards are estimated between roughly $7,000 and $8,000 per student (2024–25); funding is larger for many students with disabilities and can be used on curricula, tutors, therapies, and more. 

• Utah- Utah Fits All Scholarship: Launched 2024–25, the program funds accounts at about $8,000 per K–12 student (first-year amounts); enrollment was limited by appropriations, so check the current application window. 

• Texas- Texas ESA (launching 2026–27): The program will open in 2026–27; homeschool students are expected to receive about $2,000/year, with much larger allotments for students with certain disabilities. Verify eligibility and timelines before planning. 

• Florida- Family Empowerment Scholarship / ESA options: Florida runs ESA-style scholarships administered via Scholarship Funding Organizations; many award amounts average several thousand dollars (often around $8K for private-school/ESA use), and program rules have expanded in recent years. 

2. Tax Credits & Deductions

Some states reduce your state tax bill by letting you claim qualifying homeschool expenses as a credit or deduction. Here are widely used state tax-break examples that families ask about:

• Illinois- Education Expense Credit: Credit equals 25% of qualified K–12 education expenses in excess of $250 (state Dept. of Revenue has filing rules and qualifying expense lists).

• Indiana- Private school / homeschool deduction: Indiana allows a state income tax deduction of up to $1,000 per child for unreimbursed education expenses for private-school or homeschooled children. 

• Louisiana- School-expense deduction: Louisiana permits a deduction for home-school educational expenses, guidance shows 50% of qualified expenses up to a per-child cap (recent guidance lists up to $6,000 per dependent); check the Dept of Revenue worksheet for details.

• Minnesota- K-12 education subtraction & credit: Minnesota offers a K-12 subtraction and/or credit for qualifying home education expenses; eligible items and income limits vary by year.

• Ohio- Home-school education tax credit: Ohio provides a nonrefundable credit up to $250 for qualifying home-education expenses (books, supplies, software, subscriptions). 

3. Grants / Reimbursement Programs

A few states run grants, microgrants, or reimbursement-style accounts that directly pay families or load funds into an account to spend on approved items. Noteworthy examples and current status:

• Idaho- Empowering Parents program (microgrants / ClassWallet): Historically, Idaho distributed microgrants (often used through ClassWallet) to families for curriculum and services (roughly small grants ~ $500–$1,000 in prior rounds). Important: Idaho passed legislation phasing out or changing this program in 2025. Confirm current availability and timelines before relying on it.

• New Hampshire- Education Freedom Accounts (EFAs): NH’s EFA program lets eligible families direct state per-pupil funds toward private school tuition, curriculum, tutoring, and homeschool expenses; the program has been in place since 2021 and continues to evolve on eligibility and caps.

Quick note for busy parents: program names, award amounts, eligibility rules, and enrollment caps change frequently (new laws and yearly appropriations matter). Always verify amounts and filing/application windows on your state education department or tax site before applying.

With these options in mind, it’s important to understand the eligibility requirements and restrictions attached to these programs. Let’s break those down next.

Also read: Personal Education Plans Key Facts and Guidance

Eligibility, Restrictions & What to Watch Out For

Before you count on homeschool financial support, it’s important to know that these programs often come with rules. Missing key eligibility requirements can lead to denied applications or loss of funds.

Here’s what you need to check before applying:

• Residency Requirements: Most programs require you to be a resident of the state offering the homeschool financial support.

• Income Caps or Family Size Thresholds: Some programs, like Alabama’s CHOOSE Act, set income limits (≤300% of the federal poverty level).

• Priority for Disability Status: States sometimes give higher funding or priority eligibility to students with special needs.

• Restrictions on Use of Funds: Support can typically be used only for specific expenses like curriculum, tutoring, or approved educational services.

• Annual Reporting Obligations: Many programs require proof of expense or progress reports to stay eligible for future funding cycles.

• Limited Application Windows: Some states have strict deadlines and limited slots, so applying early can make a big difference.

Once you’ve reviewed the requirements, we’ll walk you through the step-by-step process of applying for support.

Step-by-Step: How To Apply & Get Financial Support

Getting homeschool funding doesn’t have to feel complicated when you break it down into simple, clear steps. Follow this sequence to stay organized and make sure you don’t miss out on available programs.

Step 1: Find Your State’s Program

Start by checking your state’s education department, school choice program, or tax authority website. These are the official places where government funding for homeschooling, ESA programs, and homeschool reimbursement programs are listed. Make a quick note of deadlines, required forms, and whether the program covers homeschool stipends by state or specific curriculum costs.

Step 2: Gather Required Documentation

Collect proof of residency, your homeschool registration (if required), and income documentation if your state sets a cap. Keep receipts for curriculum, tutoring, or online classes you plan to claim under homeschool funding by the state. Staying organized early will save you time when you upload or submit paperwork.

Step 3: Choose Eligible Expenses

Review what the program allows, some cover curriculum, tutoring, and testing, while others are stricter. If you’re using education savings accounts for homeschoolers (ESAs), confirm which materials or providers are approved. This step ensures you use funds efficiently and avoid reimbursement rejections.

Step 4: Submit Your Application or Tax Filing

Complete the official forms online or through your state’s portal, making sure every field is filled out accurately. Double-check the attached documents and keep digital copies for your records. Submit before the deadline to secure your spot since many state-sponsored homeschooling programs have limited funds or slots.

Step 5: Track and Report Your Spending

Once approved, keep receipts and track every purchase; most homeschool reimbursement programs require proof of expense. Some states also ask for progress reports or learning outcomes to maintain eligibility. Staying consistent with tracking helps you avoid delays in future payments.

Special Considerations for Children With Special Needs

Families with special-needs learners can often access higher funding levels or priority spots in ESA programs. Prepare documentation like an IEP or professional evaluation before you apply, as it speeds up the approval process. Many states allow these funds to cover therapy, adaptive curriculum, and specialized tutoring, but always confirm which services qualify.

Looking for guidance as you go through these steps? The School House Anywhere offers resources and planning tools to simplify applications and track your homeschool funding in one place.

Now, let's see which state has the best support offered by comparing all the available resources and assistance programs across the country. 

Also read: The Best Budget-Friendly Homeschool Curriculums

Comparing States: Which States Offer the Best Support

Understanding the differences in state-sponsored homeschooling programs can help you identify the best financial support options available. Below is a comparison of selected states offering various forms of homeschool financial assistance.

State	Program Name	Type	Amount	Income Limit	Restrictions
Arizona	Empowerment Scholarship Account (ESA)	ESA	Varies; ~ $6,000–$6,500 per child for grades 1–12; higher for students with disabilities	None	Funds must be used for approved educational expenses; documentation required.
Utah	Utah Fits All Scholarship	ESA	$8,000 per K–12 student	None	Priority given to families under 200% of the Federal Poverty Level; no enrollment cap.
Texas	Texas ESA	ESA	$2,000 per homeschool student; up to $30,000 for students with disabilities	None	Funds can be used for private school tuition, educational expenses for homeschoolers, tutoring, career and technical education programs, and more.
Florida	Family Empowerment Scholarship (FES)	ESA	Varies; based on household income	Household income up to 400% of the Federal Poverty Level	Funds must be used for approved educational expenses; documentation required.
Illinois	Education Expense Credit	Tax Credit	25% of qualified expenses over $250; max $750	None	Credit is nonrefundable; you must have a state tax liability to benefit fully.
Indiana	Private School/Homeschool Deduction	Tax Deduction	Up to $1,000 per child	None	Deduction reduces taxable income; no direct refund.
Louisiana	School Expense Deduction	Tax Deduction	50% of qualified expenses; up to $6,000 per child	None	Deduction reduces taxable income; no direct refund.
Minnesota	K–12 Education Subtraction and Credit	Tax Credit/Subtraction	Up to $1,625 per child in grades K–6; $2,500 for grades 7–12	None	Subtraction reduces taxable income; credit is nonrefundable.
New Hampshire	Education Freedom Accounts (EFA)	Grant	Approximately $4,100 per student	Up to 350% of the Federal Poverty Level	Funds must be used for approved educational expenses; documentation required.

If your state offers limited support, you may still be able to find ways to make homeschooling more affordable. Here’s how TSHA can assist in these situations.

How TSHA Can Help in States with Limited Funding?

Even if your state offers minimal homeschool funding, TSHA provides tools and resources to make homeschooling affordable and effective.Here are practical ways TSHA can help you reduce costs and maximize your educational resources:

• Pre-Made Lessons and Curriculum: TSHA’s American Emergent Curriculum (AEC) comes with ready-to-use lesson plans, worksheets, and activity guides, reducing time and money spent on planning.

• Hands-On Learning Materials: Printable resources and hands-on activities replace the need for expensive textbooks and kits, keeping learning engaging and cost-efficient.

• Community & Expert Support: Access to TSHA’s 24/7 educator support and online parent community helps solve teaching challenges without hiring additional tutors.

• Integration with State Programs: Families can use available ESAs, vouchers, or reimbursements to purchase TSHA-approved curriculum, maximizing limited state funding.

• Special Needs Adaptability: TSHA materials include flexible lesson options that meet diverse learning needs, allowing parents to target both standard and special-needs students efficiently.

Wrapping Up

Homeschooling with financial support can make a significant difference in managing costs and providing quality education for your child. Understanding eligibility, state programs, and how to apply ensures you make the most of available resources. Using structured, ready-to-go materials can further simplify teaching and learning at home. The School House Anywhere offers a comprehensive curriculum and resources that help parents implement hands-on, flexible, and cost-effective homeschooling with confidence.

Start your homeschooling journey today! join The School House Anywhere to access the full curriculum, resources, and expert support for your child’s success.

Frequently Asked Questions (FAQs)

1. Do you get money for homeschooling in the USA?

Generally, homeschooling in the USA doesn’t come with direct financial support from the government. While there are some states that offer tax credits or deductions, these vary a lot depending on where you live, and the amounts can differ greatly. Most states do not provide direct cash or reimbursement for homeschooling expenses.

2. Which state is most homeschool-friendly?

Some of the most homeschool-friendly states include Alaska, Texas, and Idaho. These states typically have minimal regulations, offering a lot of freedom in how you homeschool your children. The flexibility is a big plus for many families looking to avoid heavy paperwork and frequent government oversight.

3. Do Florida homeschoolers get money?

In Florida, there isn’t any direct financial aid or funding provided to homeschooling families. However, certain school districts in the state may provide limited funding for educational programs or resources, especially if you register as a homeschooler with them. So, it’s not cash, but there could be some support available for supplies or activities.

4. What is the hardest state to homeschool in?

New York is often considered one of the toughest states for homeschooling due to its strict regulations. Homeschool families in New York are required to submit detailed plans, undergo regular assessments, and keep comprehensive records. The paperwork and compliance can feel overwhelming for many parents.

5. Does Texas give homeschoolers money?

No, Texas doesn’t provide direct financial assistance to homeschooling families. While the state is one of the most homeschool-friendly in terms of regulations, there are no state-funded programs offering money to support homeschooling costs. Families in Texas mainly benefit from the freedom and flexibility to homeschool without much government interference.

6. How much money do homeschoolers get in California?

California doesn’t provide direct financial compensation for homeschooling families. However, some charter schools in California offer funding for educational supplies, curriculum, or activities if you enroll in their program. It’s not cash in hand, but it can help cover some homeschooling expenses like books or materials.