Annual Costs

Undergraduate Tuition

Harford Community College tuition is $3,096 per year for in-district residents. This is 2% more expensive than the national average public two year in-district tuition of $3,046. The cost is 20% cheaper than the average Maryland in-district tuition of $3,861 for 2 year colleges. Tuition ranks 8th in Maryland amongst 2 year colleges for affordability and is the 10th most expensive 2 year college in the state.

The school charges an additional fees of $619 in addition to tuition bringing the total effective in-state tuition to $5,887.

Housing Costs

Harford Community College doesn't offer on campus housing. If you're not living with family you will need to budget for food and housing in the Bel Air area just like you would for a college with dorms. The estimated rent and meal expense per academic year for off campus housing is $9,000.

Books and Supplies

The estimated annual cost for books and supplies is $1,300.

Other Living Expenses

Off-campus students should budget for $4,328 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-district residents to go to Harford Community College is $18,343 for the 2018/2019 academic year. The total cost for in-state, but not in district residents is $20,515. Out-of-state students who don't possess Maryland residence can expect a one year cost of $22,688. Students residing at home with parents providing food and housing can expect a total cost of $11,515.

Citation: Price data from the U.S. Department of Education's 2018-2019 and 2017-2018 IPEDS survey response for Harford Community College and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Harford Community College
Estimated Budgets
In-District Resident Total Budget (Living Off Campus)$18,343
   In-District Tuition$3,096
   Other Fees$619
   Off-Campus Other Budget$4,328
   Books and Supplies$1,300
   Off-Campus Housing Estimate$9,000
In-District Resident Total Budget (Living with Parents)$9,343
   In-District Tuition$3,096
   Other Fees$619
   Family Provided Room and Board$0
   With-Family Other Living Budget$4,328
   Books and Supplies$1,300
Maryland Out of District Total Budget (Living Off Campus)$20,515
   In-State Tuition$5,268
   Other Fees$619
   Off-Campus Housing Estimate$9,000
   Off-Campus Other Budget$4,328
   Books and Supplies$1,300
Maryland Out of District Total Budget (Living with Parents)$11,515
   In-State Tuition$5,268
   Other Fees$619
   Family Provided Room and Board$0
   With-Family Other Living Budget$4,328
   Books and Supplies$1,300


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 $20,515 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 Harford Community College net price for in-state students is $7,089* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

45% of Harford Community College students received grant aid in 2014/2015. The average total aid amount was $4,129. 33 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,074. To apply for a Pell Grant to attend Harford Community College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Harford Community College
Financial Aid Summary
Average Annual Net Price$7,089*
Percent of Students Receiving Grant Aid45%
Average Total Grant Aid$4,129
Percent of Students Receiving Pell Grants33%
Average Amount of Pell Grant Aid$4,074

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 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$5,815
$30,001 to $48,000$6,236
$48,001 to $75,000$8,645
$75,001 to $110,000$10,562

Average Financial Aid Mix - $20,515 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $20,515. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 26% - $4,129

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

Federal Loans

 28% - $4,558

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

Out of Pocket

 46% -  $7,500

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 2014-2015 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.

Tuition Comparison to Similar Community Colleges in the Region

School Cost vs. Harford Community College
Cecil College28.7% more expensive
The Community College of Baltimore County14% more expensive
Baltimore City Community College49.9% less expensive
Thaddeus Stevens College of Technology51.9% more expensive
Anne Arundel Community College24.7% more expensive

Cost of a Degree

Being a school offering two year programs, prospective students should consider the multi year outlay when budgeting the cost for two years at Harford Community College.

Estimated 2 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 2 year associate degree at Harford Community College is $41,030 for students graduating in normal time. This methodology for estimating the 2 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 $3,979 in-state net price as the basis. Applying this cost over 2 would estimate the cost of a degree at $7,958**

**Based on a 2 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 2014-2015 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 Harford Community College.

Maryland Resident Tuition Per Semester$2,634
Maryland Resident Total Cost Per Semester$10,258
Non-Maryland Resident Tuition Per Semester$3,720
Non-Maryland Resident Total Cost Per Semester$11,344

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 Harford Community College 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 Harford Community College
Price per credit hour for in district residents$129
Cost for one class for in district residents (3 credit hours)$387
Price per credit hour for Maryland residents$220
Cost for one class for Maryland residents (3 credit hours)$660
Price per credit hour for out of state residents$310
Cost for one class for out of state residents (3 credit hours)$930
Cost for one class for out of state residents (4 credit hours)$1,240


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. 16% of Harford Community College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $4,558.

Example Loan Payments and Costs

How much are student loan payments for Harford Community College? 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 $7,958, 100% of the estimated average net price for a two year program and paid nothing while enrolled. The total of all payments including interest would sum $9,874.05. This could be your effective total out of pocket cost of an education at Harford Community College. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 45% of students at this school who receive financial aid and you are paying an average annual net price of $3,979. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Harford Community College 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.

Harford Community College Student Loan Payments
Example Payments
Monthly Loan Payment$82.28
Amount Borrowed$7,958.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$1,916.05
Sum of All Payments over 10 years$9,874.05

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Harford Community College? 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 Harford Community College, 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 $9,874.05 would be needed to afford a $82.28 monthly payment in the example $7,958.00 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 Harford Community College in the future? In the past four years, this school's published in-state tuition and fee total rose from $4,176 to $5,268. This amounts to an average annual price increase of 5.2%. 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 2 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 2 year cost of $41,030.00. 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 Harford Community College.

Annual2 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$26,837$53,675
Estimated Cost in 10 years for students enrolling in 2030$34,252$68,504
Estimated Cost in 15 years for students enrolling in 2035 $43,715$87,431
Estimated Cost in 18 years for students enrolling in 2038 $50,606$101,212

Tuition History

What was tuition at Harford Community College 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$3,936$5,904 0%
2011$3,936$5,904 0.5%
2010$3,918$5,766 1%
2009$3,881$5,729 0%
2008$3,881$5,729 0%
2007$3,881$5,729 2.7%
2006$3,780$5,580 0%
2005$3,780$5,580 0%
2004$3,780$5,580 15.4%
2003$3,276$4,836 0%
2002$3,276$4,836 6.6%
2001$3,072$4,464 0%
2000$3,072$4,464 -10%
1999$3,414$5,334 5.4%
1998$3,240$5,605 9.3%
1997$2,964$4,254 2.3%
1996$2,898$4,188 2.3%
1995$2,834$4,124 0%
1994$2,834$4,124 0%
1993$2,834$4,124 17.5%
1992$2,412$3,702 7.2%
1991$2,250$3,540 3.7%
1990$2,170$3,460 4.3%
1989$2,080$3,370 -1.9%


Use the calculators below to formulate a college savings plan for Harford Community College 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 Harford Community College 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 Harford Community College student loan.

Prepayment Option

About Harford Community College

Harford Community College is a two year community college located in Bel Air, Maryland.  Full time enrollment is 1,993 and part time is 3,872.  Harford Community College has an open admission policy meaning that any prospective student who has completed high school or attained a GED certificate may enroll in classes. Learn more about Harford Community College at CollegeSimply.

Only undergraduate degrees are offered at this school.

Harford Community College
401 Thomas Run Rd
Bel Air, Maryland

For Profit / Not For Profit Status

Harford Community College 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.

Harford Community College cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=162706 IPEDS survey data.