Annual Costs

Undergraduate Tuition

Salem State University tuition is $910 per year for in-state residents. This is 87% cheaper than the national average public four year tuition of $7,203. The cost is 97% cheaper than the average Massachusetts tuition of $32,758 for 4 year colleges. Tuition ranks 2nd in Massachusetts amongst 4 year colleges for affordability and is the 81st most expensive 4 year college in the state. If attending from out-of-state, the tuition is $7,050 which represents a 675% premium.

The school charges an additional fees of $9,368 in addition to tuition bringing the total effective in-state tuition to $10,278.

Housing Costs

On campus room and board is provided by the school at a cost of $13,000 per academic year. Students electing to live off campus elsewhere in Salem should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,200.

Other Living Expenses

If living on-campus, students should budget for $1,746 in additional living expenses. Off-campus students should budget for $3,582 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Massachusetts residents to go to Salem State University is $26,224 for the 2018/2019 academic year. Out-of-state students who don't have Massachusetts residence can expect a one year cost of $32,364.

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

Costs and Tuition for Salem State University
Estimated Budgets
Massachusetts Resident Total Budget $26,224
   In-State Tuition$910
   Other Fees$9,368
   Room and Board$13,000
   On-Campus Other Budget$1,746
   Books and Supplies$1,200
Non-Resident Total Budget $32,364
   Out-of-State Tuition$7,050
   Other Fees$9,368
   Room and Board$13,000
   On-Campus Other Budget$1,746
   Books and Supplies$1,200


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 $26,224 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 Salem State University net price for in-state students is $14,848* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

66% of Salem State University students received grant aid in 2014/2015. The average total aid amount was $5,759. 39 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 $4,458. To apply for a Pell Grant to attend Salem State University, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Salem State University
Financial Aid Summary
Average Annual Net Price$14,848*
Percent of Students Receiving Grant Aid66%
Average Total Grant Aid$5,759
Percent of Students Receiving Pell Grants39%
Average Amount of Pell Grant Aid$4,458

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$11,612
$30,001 to $48,000$13,126
$48,001 to $75,000$16,033
$75,001 to $110,000$18,182

Average Financial Aid Mix - $26,224 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $26,224. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 24% - $5,759

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

Federal Loans

 23% - $5,679

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

Out of Pocket

 53% -  $13,040

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 Public Colleges in the Region

School Cost vs. Salem State University
Bridgewater State University0% less expensive
Fitchburg State University6.6% more expensive
Keene State College1,129.5% more expensive
Westfield State University6.6% more expensive
Massachusetts College of Liberal Arts13.2% more 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 Salem State University.

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 Salem State University is $104,896 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 $13,872 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $55,488**

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 $131,120 or $69,360 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 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 Salem State University.

Massachusetts Resident Tuition Per Semester$455
Massachusetts Resident Total Cost Per Semester$13,112
Non-Massachusetts Resident Tuition Per Semester$3,525
Non-Massachusetts Resident Total Cost Per Semester$16,182

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 Salem State University 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 Salem State University
Price per credit hour for Massachusetts residents$428
Cost for one class for Massachusetts residents (3 credit hours)$1,284
Price per credit hour for out of state residents$696
Cost for one class for out of state residents (3 credit hours)$2,088
Cost for one class for out of state residents (4 credit hours)$2,784


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. 72% of Salem State University students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,679.

Example Loan Payments and Costs

How much are student loan payments for Salem State University? 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 $55,488, 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 $68,847.88. This could be your effective total out of pocket cost of an education at Salem State University. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 66% of students at this school who receive financial aid and you are paying an average annual net price of $13,872. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Salem State University 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.

Salem State University Student Loan Payments
Example Payments
Monthly Loan Payment$573.73
Amount Borrowed$55,488.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$13,359.88
Sum of All Payments over 10 years$68,847.88

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Salem State University? 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 Salem State University, 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 $68,847.88 would be needed to afford a $573.73 monthly payment in the example $55,488.00 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 Salem State University in the future? 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 $104,896.00. 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 Salem State University.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$36,064$144,256
Estimated Cost in 10 years for students enrolling in 2030$46,028$184,112
Estimated Cost in 15 years for students enrolling in 2035 $58,745$234,979
Estimated Cost in 18 years for students enrolling in 2038 $68,004$272,017

Tuition History

What was tuition at Salem State University 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$910$7,050 0%
2011$910$7,050 -86.7%
2010$6,850$12,990 6%
2009$6,460$12,600 3%
2008$6,270$12,410 4%
2007$6,030$12,170 7.8%
2006$5,594$11,734 2.6%
2005$5,454$11,594 8.3%
2004$5,038$11,178 28%
2003$3,937$10,077 29.6%
2002$3,038$9,178 -1.9%
2001$3,098$9,178 3.7%
2000$2,988$9,008 -1.1%
1999$3,022$8,322 80.7%
1998$1,672$3,866 -23.2%
1997$2,176$5,140 -36.2%
1996$3,408$7,542 6.6%
1995$3,198$7,332 0%
1994$3,198$7,332 4.1%
1993$3,073$6,937 4%
1992$2,956$6,670 49.3%
1991$1,980$5,055 26.9%
1990$1,560$4,398 10.8%
1989$1,408$3,904 14.3%
1988$1,232$3,424 2.4%

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Salem State University to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Registered Nursing/Registered Nurse Bachelor's Degree 227 10% cheaper
Criminal Justice/Law Enforcement Administration Bachelor's Degree 93 1% costlier
Business Administration and Management, General Bachelor's Degree 89 6% cheaper
Accounting Bachelor's Degree 75 13% cheaper
Early Childhood Education and Teaching Bachelor's Degree 57 7% cheaper
Social Work Bachelor's Degree 39 10% cheaper
Public Relations/Image Management Bachelor's Degree 29 18% cheaper
Psychology, General Bachelor's Degree 23 20% cheaper
International Business/Trade/Commerce Bachelor's Degree 20 22% cheaper
Finance, General Bachelor's Degree 18 13% cheaper
Sport and Fitness Administration/Management Bachelor's Degree 18 14% cheaper
Hospitality Administration/Management, General Bachelor's Degree 16 10% cheaper
Accounting and Finance Bachelor's Degree 15 26% cheaper
Geology/Earth Science, General Bachelor's Degree 15 22% cheaper
Biology/Biological Sciences, General Bachelor's Degree 15 20% cheaper
English Language and Literature, General Bachelor's Degree 15 19% cheaper
Liberal Arts and Sciences, General Studies and Humanities, Other Bachelor's Degree 14 23% cheaper
Biomedical Sciences, General Bachelor's Degree 13 15% cheaper
Entrepreneurship/Entrepreneurial Studies Bachelor's Degree 13 19% cheaper
Human Resources Management/Personnel Administration, General Bachelor's Degree 13 7% cheaper
Marine Biology and Biological Oceanography Bachelor's Degree 13 22% cheaper
Journalism Bachelor's Degree 12 16% cheaper
Commercial and Advertising Art Bachelor's Degree 11 15% cheaper
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 11 24% cheaper
Geography Bachelor's Degree 10 12% cheaper
History, General Bachelor's Degree 9 21% cheaper
Professional, Technical, Business, and Scientific Writing Bachelor's Degree 8 16% cheaper
Computer Science Bachelor's Degree 8 23% cheaper
Sociology Bachelor's Degree 8 21% cheaper
Parks, Recreation and Leisure Studies Bachelor's Degree 7 7% cheaper
Creative Writing Bachelor's Degree 7 30% cheaper
Nuclear Medical Technology/Technologist Bachelor's Degree 6 15% cheaper
Occupational Therapy/Therapist Bachelor's Degree 5 23% cheaper
Biochemistry Bachelor's Degree 5 31% cheaper
Chemistry, General Bachelor's Degree 5 22% cheaper
Management Information Systems, General Bachelor's Degree 5 12% cheaper
Tourism and Travel Services Management Bachelor's Degree 4 14% cheaper
Cell/Cellular and Molecular Biology Bachelor's Degree 4 29% cheaper
Athletic Training/Trainer Bachelor's Degree 4 14% cheaper
Environmental Biology Bachelor's Degree 4 27% cheaper
Clinical Laboratory Science/Medical Technology/Technologist Bachelor's Degree 4 9% cheaper
Mathematics, General Bachelor's Degree 4 21% cheaper
Spanish Language and Literature Bachelor's Degree 3 25% cheaper
Art History, Criticism and Conservation Bachelor's Degree 3 34% cheaper
Language Interpretation and Translation Bachelor's Degree 3 17% costlier
Geographic Information Science and Cartography Bachelor's Degree 3 1% cheaper
Elementary Education and Teaching Bachelor's Degree 2 9% cheaper
Secondary Education and Teaching Bachelor's Degree 2 11% cheaper
Printmaking Bachelor's Degree 2 32% cheaper
Fire Services Administration Bachelor's Degree 2 11% costlier
European History Bachelor's Degree 2 30% cheaper
Acting Bachelor's Degree 2 27% cheaper
Sculpture Bachelor's Degree 1 31% cheaper
Forensic Science and Technology Bachelor's Degree 1 15% cheaper
Spanish Language Teacher Education Bachelor's Degree 1 11% cheaper
Design and Applied Arts, Other Bachelor's Degree 1 24% cheaper
Health and Physical Education/Fitness, General Bachelor's Degree 1 10% cheaper
Music, General Bachelor's Degree 1 22% cheaper
Advertising Bachelor's Degree 1 17% cheaper
Technical Theatre/Theatre Design and Technology Bachelor's Degree 1 25% cheaper
Public/Applied History Bachelor's Degree 1 15% cheaper
Kinesiology and Exercise Science Bachelor's Degree 1 16% cheaper
Writing, General Bachelor's Degree 1 22% cheaper
Photography Bachelor's Degree 1 28% cheaper
Political Science and Government, General Bachelor's Degree 1 22% cheaper
Art Teacher Education Bachelor's Degree 1 11% cheaper
Marketing/Marketing Management, General Bachelor's Degree 1 11% cheaper
Economics, General Bachelor's Degree 1 28% cheaper
Junior High/Intermediate/Middle School Education and Teaching Bachelor's Degree 1 5% cheaper
Art/Art Studies, General Bachelor's Degree 1 17% cheaper


Use the calculators below to formulate a college savings plan for Salem State University 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 Salem State University 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 Salem State University student loan.

Prepayment Option

About Salem State University

Salem State University is a four year public college located in Salem, Massachusetts.  Full time enrollment is 6,353 and part time is 2,648. Learn more about getting accepted at Salem State University at CollegeSimply.

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

Salem State University
352 Lafayette St
Salem, Massachusetts

For Profit / Not For Profit Status

Salem State University 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.

Salem State University cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=167729 IPEDS survey data.