University of Massachusetts Amherst tuition is $15,791 per year for in-state residents. This is 108% more expensive than the national average public four year tuition of $7,601. The cost is 55% cheaper than the average Massachusetts tuition of $35,143 for 4 year colleges. Tuition ranks 17th in Massachusetts amongst 4 year colleges for affordability and is the 66th most expensive 4 year college in the state. If attending from out-of-state, the tuition is $36,316 which represents a 130% premium.
The school charges an additional fees of $648 in addition to tuition bringing the total effective in-state tuition to $16,439.
On campus room and board is provided by the school at a cost of $13,595 per academic year. Students electing to live off campus elsewhere in Amherst should budget at least this amount.
The estimated annual cost for books and supplies is $1,000.
If living on-campus, students should budget for $1,400 in additional living expenses. Off-campus students should budget for $1,400 in other miscellaneous living expenses.
The total tuition and living expense budget for in-state Massachusetts residents to go to UMass is $32,434 for the 2021/2022 academic year. Out-of-state students who don't have Massachusetts residence can expect a one year cost of $52,959.
Citation: Price data from the U.S. Department of Education's 2022 IPEDS survey response for University of Massachusetts Amherst and represent reported costs for the 2021-2022 academic year.
|Massachusetts Resident Total Budget||$32,434|
|Room and Board||$13,595|
|On-Campus Other Budget||$1,400|
|Books and Supplies||$1,000|
|Non-Resident Total Budget||$52,959|
|Room and Board||$13,595|
|On-Campus Other Budget||$1,400|
|Books and Supplies||$1,000|
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Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $32,434 published price if scholarship or grant aid is made available to you.
The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported UMass net price for in-state students is $22,505* for the 2019/2020 academic year. This net price includes housing and meal expenses.
84% of University of Massachusetts Amherst students received grant aid in 2019/2020. The average total aid amount was $10,892. 21 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 $4,834. To apply for a Pell Grant to attend University of Massachusetts Amherst, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).
|Financial Aid Summary|
|Average Annual Net Price||$22,505*|
|Percent of Students Receiving Grant Aid||84%|
|Average Total Grant Aid||$10,892|
|Percent of Students Receiving Pell Grants||21%|
|Average Amount of Pell Grant Aid||$4,834|
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||$12,033|
|$30,001 to $48,000||$13,203|
|$48,001 to $75,000||$16,667|
|$75,001 to $110,000||$23,064|
CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $32,434. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.
Money granted to you by the U.S. Department of Education, University of Massachusetts Amherst or other organizations. These are not loans and do not need to be repaid.
Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.
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.
To make a comparative assessment if UMass 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 72/100 for University of Massachusetts Amherst. Considering an average net price paid of $16,145, this leads to an overall value ranking of 57/100. This places the school 301st on our national Best Value Colleges ranking as a provider of a very high value education compared to actual overall price paid.
|School||Cost vs. University of Massachusetts Amherst|
|State University of New York at New Paltz||55.2% less expensive|
|Stony Brook University||55.2% less expensive|
|Ramapo College of New Jersey||5.3% less expensive|
|CUNY Bernard M Baruch College||56.1% less expensive|
|New Jersey Institute of Technology||6.3% less expensive|
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 Massachusetts Amherst.
At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at UMass is $129,736 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 $16,145 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $64,580**
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 $162,170 or $80,725 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.
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 Massachusetts Amherst.
|Massachusetts Resident Tuition Per Semester||$7,896|
|Massachusetts Resident Total Cost Per Semester||$16,217|
|Non-Massachusetts Resident Tuition Per Semester||$18,158|
|Non-Massachusetts Resident Total Cost Per Semester||$26,480|
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 Massachusetts Amherst are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.
|Price per credit hour for Massachusetts residents||$658|
|Cost for one class for Massachusetts residents (3 credit hours)||$1,974|
|Price per credit hour for out of state residents||$1,514|
|Cost for one class for out of state residents (3 credit hours)||$4,542|
|Cost for one class for out of state residents (4 credit hours)||$6,056|
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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. 52% of University of Massachusetts Amherst students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,274.
How much are student loan payments for University of Massachusetts Amherst? 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 $64,580, 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 $82,158.66. This could be your effective total out of pocket cost of an education at University of Massachusetts Amherst. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 84% of students at this school who receive financial aid and you are paying an average annual net price of $16,145. 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 Massachusetts Amherst 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.
|Monthly Loan Payment||$684.66|
|Number of Monthly Payments||120|
|Total Interest Cost||$17,578.66|
|Sum of All Payments over 10 years||$82,158.66|
Can I afford to attend UMass? 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 Massachusetts Amherst, 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 $82,158.66 would be needed to afford a $684.66 monthly payment in the example $64,580.00 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.
What will it cost to send your child to University of Massachusetts Amherst in the future? In the past four years, this school's published in-state tuition and fee total rose from $14,590 to $15,791. This amounts to an average annual price increase of 1.6%. 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 $129,736.00. 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 Massachusetts Amherst.
|Annual||4 Year Degree|
|Estimated Cost in 5 years for students enrolling in 2028||$44,604||$178,417|
|Estimated Cost in 10 years for students enrolling in 2033||$56,928||$227,711|
|Estimated Cost in 15 years for students enrolling in 2038||$72,656||$290,623|
|Estimated Cost in 18 years for students enrolling in 2041||$84,108||$336,432|
Use the calculators below to formulate a college savings plan for University of Massachusetts Amherst or model a student loan.
Discover how much will you need to start saving now to afford University of Massachusetts Amherst in the future.
Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a University of Massachusetts Amherst student loan.
University of Massachusetts Amherst is a four year public college located in Amherst, Massachusetts. Full time enrollment is 25,259 and part time is 6,786. Learn more about getting accepted at University of Massachusetts Amherst at CollegeSimply.
Students attending this school may pursue both undergraduate and graduate degrees.Address
University of Massachusetts Amherst 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 Massachusetts Amherst cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=166629 IPEDS survey data. Data last updated February 2023 and reflects academic year 2021/2022 costs reported by the school.