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As prices continue to rise, these are the top five servicesmiddle-class households are likely to struggle to afford.

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Out-of-state tuition averages $27,457 per year, while in-state tuition costs $9,750 on average.

This may also vary by location.

Housekeepers insome wealthy areasare routinely making six figures, as there isnt enough supply to meet the demand.

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Child Care

Last but not least is child care particularly babysitting, live-in nannies and day care.

Not necessarily, Stearn said.

Babysitting costs have been rising considerably over the past few years, even outpacing inflation.

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Child care in general is becoming pricier, though.

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