Summer Camps for Low-Income Families - Virtual & In-Person (2026)

Summer 2026 will be here before we know it, and with it comes the challenge of figuring out activities for kids on summer break. Many parents, particularly low-income ones, need to work year-round and need somewhere for their kids to go during the day. A fantastic option is a virtual or in-person summer camp.

In-person summer camps have fully rebounded post-pandemic, with over 15,000 camps serving over 26 million children annually and industry revenue reaching $4.6 billion in 2025. Kids across the country can once again enjoy traditional day and overnight options.

Online summer camps remain popular for families seeking flexible at-home activities.

The American Camp Association (ACA) remains the gold standard for camp safety and quality. ACA-accredited camps follow over 300 rigorous standards covering health, supervision, and operations—ensuring physical and emotional safety for all campers.

Parents should verify ACA accreditation and ask about current health protocols when choosing camps. With diverse options from fully online to overnight programs, families can select based on their needs, comfort level, and budget.

For parents planning ahead, here is a list of outstanding low-cost in-person and online summer camps.

Here are a couple of things to keep in mind while looking for in-person or online summer camp options.

While some of these programs are already low-cost or even free, some have fees associated with them. However, most offer promo codes, financial assistance, or scholarships. All of the camps listed below have their financial assistance programs noted. However, most local camps offer some kind of financial assistance as well. So, when considering camps that aren’t on this list, don’t be afraid to reach out and ask the programs directly about financial assistance or scholarships.

Low-income families who need internet access for online summer camps can no longer rely on the federal Affordable Connectivity Program (ACP), which ended in June 2024 after helping more than 23 million households. However, several alternatives still make home broadband more affordable.

Families can apply for the FCC’s Lifeline program, which offers up to a $9.25 monthly discount on internet or phone service and up to $34.25 per month for eligible subscribers on Tribal lands. In addition, many major providers, including Comcast, Spectrum, AT&T, and Cox, offer low-cost plans for qualifying households. Parents should check both Lifeline eligibility and local ISP discount programs when budgeting for online camps.

Using the success of their online summer camps from the past two years, 4-H has a virtual summer camp for pre-K through 12th grade. These camps focus on crafting, cooking, STEM, and nutrition. Each subject area has a set of activities campers can complete. Activities take between 30 minutes and a couple of hours to complete, and many can be completed without adults’ assistance.

All programs are offered free of charge in collaboration with Microsoft and Utah State University Extension Service. Each activity includes a short list of supplies campers need to gather to complete the project. There are camper kits parents can purchase online to enhance the camp experience. There is even a virtual fireside that campers can participate in and learn camp songs. Campers are encouraged to share their completed projects on social media using the hashtag #4Hcamp.

• Type: Online courses
• Duration: Three activities per camp that take 30 minutes to a couple of hours to complete
• Ages: Pre-k to 12th grade
• Cost: Free

Parents can help their kids develop a love for reading with Start with a Book programs. There is a long list of subjects to choose from, including art, science, math, money, and superheroes, just to name a few.

Once parents choose a subject, there is a list of books to gather either from the local library, digital loan sites such as Hoopla, or local booksellers. Each subject also has fun activity suggestions parents can do with their kids, or older kids can complete independently.

• Type: Online Camp
• Duration: One to six days
• Ages: Three to 12
• Cost: Free; however, it may be necessary to buy some books or supplies

DIY has hundreds of online courses, projects, and how-to videos for kids. Some simple projects can be completed quickly, while other courses are multi-day endeavors.

DIY has a three-step approach: watch, do, then share. Kids can watch videos of either a stand-alone project or a course, and then they complete the project offline. Lastly, they can share their project in a safe, moderated community, allowing them to connect with other kids and get feedback. There is a small monthly fee associated with this platform, but there is a free 7-day trial for parents and kids to decide if this program is for them.

• Type: Online courses
• Duration: Varies based on the course
• Ages: Four to 18
• Cost: Free 7-day trial; then $12.99 monthly or $79.99 annually

Minecraft or Roblox-obsessed kids will love Connected Camps online summer camps. These camps are run as daily live classes on the Outschool platform in small groups of no more than 12 kids, allowing students to make friends while still getting individualized attention.

Connected Camps leverages students’ interest in video games to teach subjects such as history, art, business, and coding. They even offer a free kids club server where students can play in virtual worlds with their classmates. While there is a fee associated with these camps, Outschool is currently offering financial assistance to low-income families, and there are promo codes available to Connected Camps.

• Type: Online camp
• Duration: Five days for 90 minutes each day
• Ages: Eight to 13 years old
• Cost: Starts at $70 per camp, but financial assistance and promo codes are available

Brain Chase has taken a worldwide scavenger hunt and put it online. Kids are required to complete a minimum of three elective subjects a week, such as typing, yoga, or foreign languages. This then unlocks puzzles, new chapters in the ongoing storyline, and episodes to help solve the global treasure hunt.

The competition spans the globe, and students can track their progress in their courses and in the scavenger hunt through online leaderboards and certificates. Depending on the program parents select, there can even be materials mailed to the student’s home. The fee associated with this program covers a whole summer’s worth of learning.

• Type: Online summer camp
• Duration: Five weeks
• Ages: Five to 18
• Cost: Starts at $9; promo codes are available

Whether it is a one-hour course or a multi-day program, Google offers some of the best free kids’ coding programs.

Courses are geared towards students’ interests, including music, fashion, and art, making it more than just programming. The classes range from complete beginner to advanced. There are even courses designed for those in college or higher education. Students can start with simple one-hour courses to learn the basics and decide if they enjoy it before launching into courses with a multi-day eight- to 12-hour commitment.

• Type: Online courses
• Duration: One hour to multi-day
• Ages: Nine to 14
• Cost: Free

With over 10,000 classes, there is bound to be something on Outschool for every kid. Courses are taught online or asynchronously on nearly every subject imaginable. The online teachers on the platform have devised many creative combinations for learning, such as using Pokémon to teach storytelling and Fortnite to explain grammar.

Courses are offered for kids as young as three and going all the way to 18 years old. Costs start at $5, but there are scholarships available.

• Type: Online camps and courses
• Duration: One hour to multi-week
• Ages: All ages
• Cost: $5 on up, up to $300 of financial assistance available to eligible families

Activity Hero is a place for local businesses to post summer camps, parents’ nights out, afterschool programs, workshops, and online programs. Parents can enroll their kids in a number of online and in-person programs that run all summer. Some of the classes even include physical activities such as karate or ballet.

Courses are booked directly through the businesses advertising on Activity Hero, and many of them offer financial assistance or scholarships.

• Type: Online and in-person courses
• Duration: One hour to multi-week
• Ages: All ages
• Cost: Some courses are free, others have a fee; financial assistance and scholarships are available

CA, CO, OR, WA, WY

Avid4 Adventure is a Boulder-based organization that offers up to 300 scholarships every year to low-income students so that they can attend summer camp. Their day camps are offered in five states and cater to children in preschool through 12th grade, providing a variety of different types of camp experiences.

For instance, kids in the “adventure camp” spend their days mountain biking, hiking, canoeing, and kayaking, while those enrolled in an older mentorship program nurture their teamwork and leadership skills.

• Type: Day camp
• Duration: 1, 2, or 3-week options available based on camp type
• Ages: Pre-K to 12th grade
• Cost: Financial assistance available for families who make less than $100,000 a year (up to 100 percent off tuition)

River Junction, MI, and Eloy, AZ

Youth Haven offers a unique program that lets parents of disadvantaged children send their kids to sleepaway camp for the week at no cost. Children are put into teams of five to seven campers, and they will do most activities together, such as swimming, wall climbing, archery, covered wagon travel, and more. Each scholarship covers all food and comfortable dorms with bunk beds.

This is a religious-based camp with an emphasis on teaching Christianity. Note that Youth Haven offers additional children’s programs, including weekend camps and a special teen program.

• Type: Sleepaway camp
• Duration: Multiple one-week periods throughout the summer
• Ages: Eight to 13
• Cost: Free for qualifying families

Rockwood, PA

YMCA programs frequently offer free or partially subsidized day and overnight summer camps to low-income children. Camp Soles is an example of the latter, although the program also offers weeklong and weekend programs for the whole family.

Trained and certified counselors lead teams of five to six children as they learn to zipline, fish, rock climb, canoe, and more. Each week features a new theme, such as pirates, wizards, and superheroes; other group activities, such as campfires, carnivals, and beach parties, are common too. All children enjoy three full meals per day, plus an evening snack.

• Type: Overnight
• Duration: Weekly and weekend programs throughout the summer
• Ages: Seven to 17 years
• Cost: Partially subsidized based on need

Randleman, NC

Victory Junction offers more than just a free summer camp: it provides a safe place for sick and disabled children to get in touch with their adventurous side. Founded in honor of NASCAR legend Adam Petty, Victory Junction features a medically safe water park, adventure course, day spa, and archery field.

The camp is also equipped with a full staff of attentive counselors trained to assist children with various health and developmental challenges, from cancer and immunological disorders to spinal bifida and diabetes.

• Type: Overnight
• Duration: Weekly diagnosis-specific sessions
• Ages: Six to 16 years
• Cost: Free

Seattle, WA

Camp Fire in central Puget Sound offers a diversity of summer camp experiences at several locations throughout the Seattle area, including day and overnight programs. Previous examples include Carkeet Park, where kids will explore 220 acres of forests, meadows, and beaches on the Puget Sound, and Blyth Park, where kids spend their days along the Sammamish River.

Camp Sealth also offers themed day and overnight camp options featuring traditional camp activities, like hiking, swimming, and fishing. Camp Fire works to ensure all kids can attend camp regardless of financial need: fees are based on the Seattle Public Schools Free and Reduced Lunch sliding scale.

• Type: Day and overnight options
• Duration: Weekly sessions throughout the summer
• Ages: Varies by location, but as young as preschool
• Cost: Varies according to eligibility

Central Virginia

Camp Kumbayah is an excellent example of a community-driven, nonprofit organization dedicated to giving children of all means a summer worth remembering. Based on a sliding scale, families can apply for free or reduced attendance.

All campers are put into small groups led by at least two qualified counselors, and activities range from sports activities, like archery, rope climbing, swimming, and canoeing, to more passive ones, like arts and crafts and storytime in a large central treehouse. Fees include lunch prepared over an open campfire. Note that Camp Kumbayah offers special leadership and adventure programming for older students.

• Type: Day camp
• Duration: Weekly sessions throughout the summer
• Ages: Five and up
• Cost: Varies by eligibility

Boston, MA

The West End House is part of the Boys and Girls Club and offers year-round programming for low-income children for just $15 a year, including a full summer of day camps at no extra charge. Member students receive academic enrichment, go on field trips, participate in theater programs, and explore their communities. The West End House also offers additional career development support and employment opportunities for teens.

• Type: Day camp
• Duration: Weekly sessions throughout the summer
• Ages: Varies by program
• Cost: $15 per year

Clarksville, OH

Just outside of the Cincinnati area, Camp Joy is a residential day camp created especially for children who otherwise could not afford to attend. Instead of sitting home alone, campers spend their summers scaling rope courses, swimming, making arts and crafts, and enjoying campfires. Camp Joy also offers an adventure-based leadership program for children ages 13 to 15 and two weekly police camps for children ages ten and older. The final weekly session each summer is reserved for foster children.

• Type: Day camp
• Duration: Weekly sessions throughout the summer
• Ages: Seven to 12 years
• Cost: Varies by session but begins at $50 per week

Multiple locations

Horizons National is a free summer enrichment program for low-income, public school students. It operates on school and college campuses across 21 states. The curriculum has an academic component that emphasizes literacy and STEM programming, but students can also make art, go on field trips, and learn how to swim. Breakfast and lunch are provided at no cost. Horizons also offers after-school and weekend programs throughout the rest of the year.

• Type: Day camp
• Duration: Six-week program
• Ages: Public school children
• Cost: Free

Chicago, IL

Youth programming through the Chicago Housing Authority (CHA) differs from all other programs featured on this list fundamentally: students are paid to attend. The options are youth employment and internship programs designed to inspire young adults and teenagers to excel professionally.

Specific programs include “Learn & Earn,” which focuses on career exploration, and Summer of Code, where students learn how to develop a mobile app (Apple) from scratch. Both of these programs offer a stipend for participation. Additionally, students ages 14 to 18 can earn wages for up to 15 hours a week, serving as Safe Summer Piece Ambassadors who engage younger children in positive community activities.

• Type: Day camp
• Duration: Varies by program
• Ages: 13 to 18 years
• Cost: Participants are paid to attend

Multiple locations nationwide

The Salvation Army offers free or heavily subsidized summer camps for children from low-income families at dozens of locations across the USA. Day and overnight programs feature swimming, archery, arts & crafts, team-building, and faith-based activities. Counselors provide emotional support tailored to poverty stressors. State childcare subsidies are accepted, and scholarships are also available.

• Type: Day and overnight camps
• Duration: Weekly sessions throughout the summer
• Ages: Varies by location (typically 7-17)
• Cost: Free/subsidized for qualifying families

Multiple locations nationwide

Boys & Girls Clubs provide affordable summer camps with STEM projects, sports, arts, field trips, and meals at local clubs. Income-based scholarships (25 to 100 percent off) ensure access, while some locations are free for qualifying families. Programs build leadership through daily themes and teen roles.

• Type: Day camps
• Duration: Weekly/full summer
• Ages: 5 to 18
• Cost: $65 to $150 per week; scholarships reduce the cost to $0 to $25

Many communities across the country offer day and overnight summer camps for families in need. Parents and caretakers can search the web or call local schools to find more options; however, several national organizations are known for their regular programming.

These include the YMCA, the Salvation Army, the Boys and Girls Clubs of America, and the United Way. Contact your local chapter of one of these organizations to learn more.

Kimmy Gustafson

Writer

Kimmy Gustafson is a freelance writer with a passion for sharing stories of bravery. Her love for world-traveling began when her family moved to Spain when she was six and since then, she has lived overseas extensively, visited six continents, and traveled to over 25 countries. She is fluent in Spanish and conversational in French. When not writing or parenting she can be found kiteboarding, hiking, or cooking.