Annual Costs

Undergraduate Tuition

University of Massachusetts Amherst tuition is $15,406 per year for in-state residents. This is 114% more expensive than the national average public four year tuition of $7,203. The cost is 53% cheaper than the average Massachusetts tuition of $32,758 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 $34,089 which represents a 121% premium.

The school charges an additional fees of $481 in addition to tuition bringing the total effective in-state tuition to $15,887.

Housing Costs

On campus room and board is provided by the school at a cost of $12,626 per academic year. Students electing to live off campus elsewhere in Amherst 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 $1,400 in additional living expenses. Off-campus students should budget for $1,400 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Massachusetts residents to go to UMass is $30,913 for the 2018/2019 academic year. Out-of-state students who don't have Massachusetts residence can expect a one year cost of $49,596.

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

Costs and Tuition for University of Massachusetts Amherst
Estimated Budgets
Massachusetts Resident Total Budget $30,913
   In-State Tuition$15,406
   Other Fees$481
   Room and Board$12,626
   On-Campus Other Budget$1,400
   Books and Supplies$1,000
Non-Resident Total Budget $49,596
   Out-of-State Tuition$34,089
   Other Fees$481
   Room and Board$12,626
   On-Campus Other Budget$1,400
   Books and Supplies$1,000


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 $30,913 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 UMass net price for in-state students is $21,281* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

80% of University of Massachusetts Amherst students received grant aid in 2014/2015. The average total aid amount was $8,867. 22 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 $4,428. 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).

Net Price and Financial Aid for University of Massachusetts Amherst
Financial Aid Summary
Average Annual Net Price$21,281*
Percent of Students Receiving Grant Aid80%
Average Total Grant Aid$8,867
Percent of Students Receiving Pell Grants22%
Average Amount of Pell Grant Aid$4,428

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$11,878
$30,001 to $48,000$12,508
$48,001 to $75,000$16,930
$75,001 to $110,000$23,131

Average Financial Aid Mix - $30,913 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $30,913. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 30% - $8,867

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.

Federal Loans

 19% - $5,755

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

Out of Pocket

 50% -  $14,891

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.

Is it Worth the Cost?

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 79/100 for University of Massachusetts Amherst. Considering an average net price paid of $16,145, this leads to an overall value ranking of 73/100. This places the school 74th 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 Massachusetts Amherst
State University of New York at New Paltz55.4% less expensive
University of Vermont3.4% more expensive
Rutgers University New Brunswick22.8% less expensive
SUNY College of Environmental Science and Forestry55.4% less expensive
Maine Maritime Academy32.2% 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 Massachusetts Amherst.

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 UMass is $123,652 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 $154,565 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 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 University of Massachusetts Amherst.

Massachusetts Resident Tuition Per Semester$7,703
Massachusetts Resident Total Cost Per Semester$15,456
Non-Massachusetts Resident Tuition Per Semester$17,044
Non-Massachusetts Resident Total Cost Per Semester$24,798

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 Massachusetts Amherst 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 Massachusetts Amherst
Price per credit hour for Massachusetts residents$704
Cost for one class for Massachusetts residents (3 credit hours)$2,112
Price per credit hour for out of state residents$1,535
Cost for one class for out of state residents (3 credit hours)$4,605
Cost for one class for out of state residents (4 credit hours)$6,140


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. 56% of University of Massachusetts Amherst students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,755. The reported average student debt upon graduation is $28,999.

Example Loan Payments and Costs

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 $80,128.97. 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 80% 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.

University of Massachusetts Amherst Student Loan Payments
Example Payments
Monthly Loan Payment$667.74
Amount Borrowed$64,580.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$15,548.97
Sum of All Payments over 10 years$80,128.97

Affording Student Loan Payments and Post Graduation Salary

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 $80,128.97 would be needed to afford a $667.74 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.

Estimated Future Cost and Expected Tuition Increase

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 $1,714 to $15,406. This amounts to an average annual price increase of 159.8%. 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 $123,652.00. 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.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$42,513$170,050
Estimated Cost in 10 years for students enrolling in 2030$54,258$217,032
Estimated Cost in 15 years for students enrolling in 2035 $69,249$276,994
Estimated Cost in 18 years for students enrolling in 2038 $80,164$320,655

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at University of Massachusetts Amherst 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
Finance, General Bachelor's Degree 212 33% costlier
Multi-/Interdisciplinary Studies, Other Bachelor's Degree 198 18% costlier
Accounting Bachelor's Degree 175 33% costlier
Registered Nursing/Registered Nurse Bachelor's Degree 164 38% costlier
Exercise Physiology Bachelor's Degree 145 17% costlier
Business Administration and Management, General Bachelor's Degree 125 44% costlier
Marketing/Marketing Management, General Bachelor's Degree 125 36% costlier
Agricultural Economics Bachelor's Degree 85 31% costlier
Civil Engineering, General Bachelor's Degree 81 17% costlier
Computer Science Bachelor's Degree 79 18% costlier
Mechanical Engineering Bachelor's Degree 76 17% costlier
Communication Sciences and Disorders, General Bachelor's Degree 68 37% costlier
Fine/Studio Arts, General Bachelor's Degree 52 15% costlier
Microbiology, General Bachelor's Degree 43 26% costlier
Chemical Engineering Bachelor's Degree 41 8% costlier
Economics, General Bachelor's Degree 40 11% costlier
Legal Professions Bachelor's Degree 39 23% costlier
Animal Sciences, General Bachelor's Degree 38 36% costlier
Speech Communication and Rhetoric Bachelor's Degree 36 25% costlier
Electrical and Electronics Engineering Bachelor's Degree 36 18% costlier
Environmental Science Bachelor's Degree 35 16% costlier
Architecture Bachelor's Degree 35 4% costlier
Music, General Bachelor's Degree 34 20% costlier
Political Science and Government, General Bachelor's Degree 34 19% costlier
Nutrition Sciences Bachelor's Degree 32 11% costlier
Building Construction Technology Bachelor's Degree 32 6% costlier
Natural Resources/Conservation, General Bachelor's Degree 29 23% costlier
Sociology Bachelor's Degree 27 20% costlier
Psychology, General Bachelor's Degree 26 23% costlier
Turf and Turfgrass Management Associate's Degree 23 145% costlier
Landscape Architecture Bachelor's Degree 20 21% costlier
Environmental Design/Architecture Bachelor's Degree 19 19% costlier
Spanish Language and Literature Bachelor's Degree 18 15% costlier
Food Science Bachelor's Degree 18 26% costlier
Pre-Veterinary Studies Bachelor's Degree 17 24% costlier
Landscaping and Groundskeeping Associate's Degree 17 156% costlier
Applied Horticulture/Horticultural Business Services, Other Associate's Degree 16 121% costlier
Forestry, General Bachelor's Degree 15 34% costlier
Journalism Bachelor's Degree 12 28% costlier
English Language and Literature, General Bachelor's Degree 10 23% costlier
History, General Bachelor's Degree 10 21% costlier
Philosophy Bachelor's Degree 10 10% costlier
Dance, General Bachelor's Degree 9 10% costlier
Mathematics, General Bachelor's Degree 8 21% costlier
Industrial Engineering Bachelor's Degree 8 23% costlier
Equestrian/Equine Studies Associate's Degree 7 118% costlier
Sport and Fitness Administration/Management Bachelor's Degree 7 32% costlier
Applied Horticulture/Horticulture Operations, General Associate's Degree 7 151% costlier
Classics and Classical Languages, Literatures, and Linguistics Bachelor's Degree 7 6% cheaper
Liberal Arts and Sciences, General Studies and Humanities, Other Bachelor's Degree 6 18% costlier
Biological and Physical Sciences Bachelor's Degree 6 23% costlier
Jewish/Judaic Studies Bachelor's Degree 5 0% costlier
Crop Production Associate's Degree 5 115% costlier
Public Health, General Bachelor's Degree 5 21% costlier
French Language and Literature Bachelor's Degree 5 8% costlier
Physics, General Bachelor's Degree 4 13% costlier
Geography Bachelor's Degree 4 34% costlier
Biochemistry and Molecular Biology Bachelor's Degree 4 1% cheaper
Linguistics Bachelor's Degree 4 0% cheaper
Chemistry, General Bachelor's Degree 4 19% costlier
Biology/Biological Sciences, General Bachelor's Degree 4 23% costlier
Women's Studies Bachelor's Degree 4 4% costlier
Computer Engineering, General Bachelor's Degree 3 17% costlier
Italian Language and Literature Bachelor's Degree 3 5% cheaper
African-American/Black Studies Bachelor's Degree 3 5% costlier
Chinese Language and Literature Bachelor's Degree 3 8% cheaper
German Studies Bachelor's Degree 3 11% cheaper
Japanese Language and Literature Bachelor's Degree 2 6% cheaper
Anthropology Bachelor's Degree 2 10% costlier
Near and Middle Eastern Studies Bachelor's Degree 2 17% cheaper
General Studies Bachelor's Degree 2 46% costlier
Social Sciences, Other Bachelor's Degree 2 5% costlier
Comparative Literature Bachelor's Degree 1 11% cheaper
Plant Sciences, General Bachelor's Degree 1 24% costlier
Geology/Earth Science, General Bachelor's Degree 1 20% costlier
Russian Studies Bachelor's Degree 1 12% cheaper
Wildlife, Fish and Wildlands Science and Management Bachelor's Degree 1 47% costlier
Hospitality Administration/Management, General Bachelor's Degree 1 37% costlier
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 1 17% costlier
Art History, Criticism and Conservation Bachelor's Degree 1 1% costlier
Portuguese Language and Literature Bachelor's Degree 1 6% costlier
Music Performance, General Bachelor's Degree 1 24% costlier
Astronomy Bachelor's Degree 1 5% cheaper


Use the calculators below to formulate a college savings plan for University of Massachusetts Amherst 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 Massachusetts Amherst 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 Massachusetts Amherst student loan.

Prepayment Option

About University of Massachusetts Amherst

University of Massachusetts Amherst is a four year public college located in Amherst, Massachusetts.  Full time enrollment is 24,343 and part time is 6,250. Learn more about getting accepted at University of Massachusetts Amherst at CollegeSimply.

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

University of Massachusetts Amherst
374 Whitmore Building
Amherst, Massachusetts

For Profit / Not For Profit Status

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.