Cost to Attend University of Kentucky

University of Kentucky
Lexington, Kentucky

Annual Costs

Undergraduate Tuition

University of Kentucky tuition is $11,247 per year for in-state residents. This is 48% more expensive than the national average public four year tuition of $7,601. The cost is 41% cheaper than the average Kentucky tuition of $18,927 for 4 year colleges. Tuition ranks 13th in Kentucky amongst 4 year colleges for affordability and is the 30th most expensive 4 year college in the state. If attending from out-of-state, the tuition is $30,245 which represents a 169% premium.

The school charges an additional fees of $1,363 in addition to tuition bringing the total effective in-state tuition to $12,610.

Housing Costs

On campus room and board is provided by the school at a cost of $14,000 per academic year. Students electing to live off campus elsewhere in Lexington should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,000.

Other Living Expenses

If living on-campus, students should budget for $4,080 in additional living expenses. Off-campus students should budget for $4,080 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Kentucky residents to go to Kentucky is $31,690 for the 2021/2022 academic year. Out-of-state students who don't have Kentucky residence can expect a one year cost of $50,688.

Citation: Price data from the U.S. Department of Education's 2022 IPEDS survey response for University of Kentucky and represent reported costs for the 2021-2022 academic year.

Costs and Tuition for University of Kentucky
Estimated Budgets
Kentucky Resident Total Budget $31,690
   In-State Tuition$11,247
   Other Fees$1,363
   Room and Board$14,000
   On-Campus Other Budget$4,080
   Books and Supplies$1,000
Non-Resident Total Budget $50,688
   Out-of-State Tuition$30,245
   Other Fees$1,363
   Room and Board$14,000
   On-Campus Other Budget$4,080
   Books and Supplies$1,000
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What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $31,690 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported Kentucky net price for in-state students is $19,831* for the 2019/2020 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

94% of University of Kentucky students received grant aid in 2019/2020. The average total aid amount was $11,791. 23 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2019/2020 was $4,759. To apply for a Pell Grant to attend University of Kentucky, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for University of Kentucky
Financial Aid Summary
Average Annual Net Price$19,831*
Percent of Students Receiving Grant Aid94%
Average Total Grant Aid$11,791
Percent of Students Receiving Pell Grants23%
Average Amount of Pell Grant Aid$4,759

Average Net Price for In-State Students by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2019/2020 academic year.

Family Income Avg. Net Price
$0 to $30,000$12,593
$30,001 to $48,000$13,424
$48,001 to $75,000$16,708
$75,001 to $110,000$20,959

Average Financial Aid Mix - $31,690 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $31,690. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

Grants and Scholarships
43% - $11,791

Money granted to you by the U.S. Department of Education, University of Kentucky or other organizations. These are not loans and do not need to be repaid.

Federal Loans
19% - $5,329

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket
38% -  $10,490

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2019/2020 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Is it Worth the Cost?

To make a comparative assessment if Kentucky is worth the price, measures of it's relative value for tuition dollar can be examined. We've calculated an academic national percentile rating of 62/100 for University of Kentucky. Considering an average net price paid of $12,916, this leads to an overall value ranking of 56/100. This places the school 339th on our national Best Value Colleges ranking as a provider of a very high value education compared to actual overall price paid.

Tuition Comparison to Similar Public Colleges in the Region

School Cost vs. University of Kentucky
University of Louisville8.2% more expensive
University of Cincinnati Main Campus2.9% less expensive
Miami University22.6% more expensive
Indiana University Purdue University Indianapolis21% less expensive
Southern Illinois University Carbondale14.3% less expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at University of Kentucky.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at Kentucky is $126,760 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $12,916 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $51,664**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $158,450 or $64,580 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2019/2020 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at University of Kentucky.

Kentucky Resident Tuition Per Semester$5,624
Kentucky Resident Total Cost Per Semester$15,845
Non-Kentucky Resident Tuition Per Semester$15,122
Non-Kentucky Resident Total Cost Per Semester$25,344

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at University of Kentucky are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at University of Kentucky
Price per credit hour for Kentucky residents$470
Cost for one class for Kentucky residents (3 credit hours)$1,410
Price per credit hour for out of state residents$1,261
Cost for one class for out of state residents (3 credit hours)$3,783
Cost for one class for out of state residents (4 credit hours)$5,044

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Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 45% of University of Kentucky students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,329.

Example Loan Payments and Costs

How much are student loan payments for University of Kentucky? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $51,664, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $65,726.93. This could be your effective total out of pocket cost of an education at University of Kentucky. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 94% of students at this school who receive financial aid and you are paying an average annual net price of $12,916. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our University of Kentucky student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

University of Kentucky Student Loan Payments
Example Payments
Monthly Loan Payment$547.72
Amount Borrowed$51,664.00
Interest Rate4.99%
Term10 years
Number of Monthly Payments120
Total Interest Cost$14,062.93
Sum of All Payments over 10 years$65,726.93

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Kentucky? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending University of Kentucky, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $65,726.93 would be needed to afford a $547.72 monthly payment in the example $51,664.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to University of Kentucky in the future? In the past four years, this school's published in-state tuition and fee total rose from $10,173 to $11,247. This amounts to an average annual price increase of 2.1%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 4 year cost of $126,760.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for University of Kentucky.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2028$43,581$174,325
Estimated Cost in 10 years for students enrolling in 2033$55,622$222,487
Estimated Cost in 15 years for students enrolling in 2038 $70,989$283,956
Estimated Cost in 18 years for students enrolling in 2041 $82,179$328,715

Tuition History

What was tuition at Kentucky five, ten, fifteen or twenty years ago? Hop into our time machine and take a look. Pay attention to how aggressive the school has been with price increases in the past as it provides indication as to how the school may raise tuition in the next few years. Historical tuition and fees for all available data years back to 1987 follows.

YearIn-StateOut-of-stateAnnual Increase
2012$8,122$17,734 6.1%
2011$7,656$16,724 -5.7%
2010$8,123$16,678 5%
2009$7,736$15,884 9%
2008$7,096$14,896 9%
2007$6,510$13,970 12%
2006$5,812$12,798 12.5%
2005$5,165$11,945 13.6%
2004$4,547$11,227 14.4%
2003$3,975$10,527 6.4%
2002$3,735$10,275 8.4%
2001$3,446$9,666 4.6%
2000$3,296$9,216 9.3%
1999$3,016$8,376 10.2%
1998$2,736$7,536 2.2%
1997$2,676$7,356 3.2%
1996$2,594$7,114 3.3%
1995$2,510$6,870 10.2%
1994$2,278$6,198 14%
1993$1,998$5,358 8.4%
1992$1,844$5,084 7.8%
1991$1,710$4,710 9.7%
1990$1,559$4,319 1.3%
1989$1,539$4,259 9%
1988$1,412$4,048 6%


Use the calculators below to formulate a college savings plan for University of Kentucky or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford University of Kentucky in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a University of Kentucky student loan.

Prepayment Option

About University of Kentucky

University of Kentucky is a four year public college located in Lexington, Kentucky.  Full time enrollment is 26,273 and part time is 4,117. Learn more about getting accepted at University of Kentucky at CollegeSimply.

Students attending this school may pursue both undergraduate and graduate degrees.

University of Kentucky
South Limestone
Lexington, Kentucky

For Profit / Not For Profit Status

University of Kentucky is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

University of Kentucky cost and financial aid data source: U.S. Department of Education IPEDS survey data. Data last updated February 2023 and reflects academic year 2021/2022 costs reported by the school.