Annual Costs

Undergraduate Tuition

Hudson Valley Community College tuition is $4,500 per year for in-state residents. This is 28% more expensive than the national average public two year tuition of $3,631. The cost is 52% cheaper than the average New York tuition of $9,679 for 2 year colleges. Tuition ranks 12th in New York amongst 2 year colleges for affordability and is the 56th most expensive 2 year college in the state. If attending from out-of-state, the tuition is $11,250 which represents a 150% premium.

The school charges an additional fees of $1,132 in addition to tuition bringing the total effective in-state tuition to $5,632.

Housing Costs

Hudson Valley 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 Troy area just like you would for a college with dorms. The estimated rent and meal expense per academic year for off campus housing is $6,000.

Books and Supplies

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

Other Living Expenses

Off-campus students should budget for $3,608 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state New York residents to go to Hudson Valley Community College is $16,440 for the 2018/2019 academic year. Out-of-state students who don't have New York residence can expect a one year cost of $23,190. Students residing at home with parents providing food and housing should budget a total cost of $12,338.

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

Costs and Tuition for Hudson Valley Community College
Estimated Budgets
New York Resident Total Budget (Living Off Campus)$16,440
   In-State Tuition$4,500
   Other Fees$1,132
   Off-Campus Housing Budget$6,000
   Off-Campus Other Budget$3,608
   Books and Supplies$1,200
New York Resident Total Budget (Living with Parents)$12,338
   In-State Tuition$4,500
   Other Fees$1,132
   Family Provided Room and Board$0
   With-Family Other Living Budget$5,506
   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 $16,440 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 Hudson Valley Community College net price for in-state students is $8,829* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

72% of Hudson Valley Community College students received grant aid in 2014/2015. The average total aid amount was $4,297. 50 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 $3,696. To apply for a Pell Grant to attend Hudson Valley Community College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Hudson Valley Community College
Financial Aid Summary
Average Annual Net Price$8,829*
Percent of Students Receiving Grant Aid72%
Average Total Grant Aid$4,297
Percent of Students Receiving Pell Grants50%
Average Amount of Pell Grant Aid$3,696

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$6,114
$30,001 to $48,000$7,824
$48,001 to $75,000$11,316
$75,001 to $110,000$12,590

Average Financial Aid Mix - $16,440 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $16,440. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 33% - $4,297

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

Federal Loans

 32% - $4,150

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

Out of Pocket

 34% -  $4,385

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. Hudson Valley Community College
Schenectady County Community College12.5% less expensive
Berkshire Community College86.1% less expensive
Columbia Greene Community College0.8% more expensive
Fulton Montgomery Community College1.1% less expensive
Adirondack Community College2.4% less 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 Hudson Valley 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 Hudson Valley Community College is $32,880 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 $9,607 in-state net price as the basis. Applying this cost over 2 would estimate the cost of a degree at $19,214**

**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 Hudson Valley Community College.

New York Resident Tuition Per Semester$2,250
New York Resident Total Cost Per Semester$8,220
Non-New York Resident Tuition Per Semester$5,625
Non-New York Resident Total Cost Per Semester$11,595

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 Hudson Valley 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 Hudson Valley Community College
Price per credit hour for New York residents$187
Cost for one class for New York residents (3 credit hours)$561
Price per credit hour for out of state residents$468
Cost for one class for out of state residents (3 credit hours)$1,404
Cost for one class for out of state residents (4 credit hours)$1,872


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. 36% of Hudson Valley Community College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $4,150.

Example Loan Payments and Costs

How much are student loan payments for Hudson Valley 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 $19,214, 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 $23,840.17. This could be your effective total out of pocket cost of an education at Hudson Valley Community College. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 72% of students at this school who receive financial aid and you are paying an average annual net price of $9,607. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Hudson Valley 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.

Hudson Valley Community College Student Loan Payments
Example Payments
Monthly Loan Payment$198.67
Amount Borrowed$19,214.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$4,626.17
Sum of All Payments over 10 years$23,840.17

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Hudson Valley 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 Hudson Valley 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 $23,840.17 would be needed to afford a $198.67 monthly payment in the example $19,214.00 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 Hudson Valley Community College in the future? In the past four years, this school's published in-state tuition and fee total rose from $3,900 to $4,500. This amounts to an average annual price increase of 3.1%. 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 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 $32,880.00. 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 Hudson Valley Community College.

Annual2 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$21,507$43,013
Estimated Cost in 10 years for students enrolling in 2030$27,449$54,897
Estimated Cost in 15 years for students enrolling in 2035 $35,032$70,064
Estimated Cost in 18 years for students enrolling in 2038 $40,554$81,108

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Hudson Valley Community College 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
Liberal Arts and Sciences/Liberal Studies Associate's Degree 368 4% costlier
Business Administration and Management, General Associate's Degree 289 7% costlier
Criminal Justice/Law Enforcement Administration Associate's Degree 148 10% costlier
Registered Nursing/Registered Nurse Associate's Degree 102 15% costlier
Humanities/Humanistic Studies Associate's Degree 87 5% costlier
Automobile/Automotive Mechanics Technology/Technician Associate's Degree 66 27% costlier
Electrical and Power Transmission Installation/Installer, General Associate's Degree 63 31% costlier
Community Organization and Advocacy Associate's Degree 62 3% costlier
Child Care and Support Services Management Associate's Degree 59 27% costlier
Engineering, General Associate's Degree 40 23% costlier
System, Networking, and LAN/WAN Management/Manager Associate's Degree 38 27% costlier
Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician Associate's Degree 37 32% costlier
Dental Hygiene/Hygienist Associate's Degree 34 19% costlier
Medical Radiologic Technology/Science - Radiation Therapist Associate's Degree 33 10% costlier
Physical Education Teaching and Coaching Associate's Degree 29 44% costlier
Accounting Technology/Technician and Bookkeeping Associate's Degree 28 19% costlier
Construction Engineering Technology/Technician Associate's Degree 25 18% costlier
General Merchandising, Sales, and Related Marketing Operations, Other Associate's Degree 24 10% costlier
Information Science/Studies Associate's Degree 22 5% costlier
Cardiovascular Technology/Technologist Associate's Degree 21 7% costlier
Respiratory Care Therapy/Therapist Associate's Degree 20 19% costlier
Art/Art Studies, General Associate's Degree 14 19% costlier
Radio and Television Broadcasting Technology/Technician Associate's Degree 13 19% costlier
Electrical and Electronic Engineering Technologies/Technicians, Other Associate's Degree 12 10% costlier
Electrical, Electronic and Communications Engineering Technology/Technician Associate's Degree 11 18% costlier
Mechanical Engineering/Mechanical Technology/Technician Associate's Degree 11 5% costlier
Medical Administrative/Executive Assistant and Medical Secretary Associate's Degree 11 21% costlier
Mechanical Drafting and Mechanical Drafting CAD/CADD Associate's Degree 11 23% costlier
Funeral Service and Mortuary Science, General Associate's Degree 10 14% costlier
Civil Engineering Technology/Technician Associate's Degree 10 17% costlier
Emergency Medical Technology/Technician (EMT Paramedic) Associate's Degree 10 29% costlier
Communications Systems Installation and Repair Technology Associate's Degree 10 21% costlier
Web Page, Digital/Multimedia and Information Resources Design Associate's Degree 9 15% costlier
Architectural and Building Sciences/Technology Associate's Degree 9 18% costlier
Natural Resources/Conservation, General Associate's Degree 8 23% costlier
Industrial Technology/Technician Associate's Degree 8 32% costlier
Biology/Biological Sciences, General Associate's Degree 8 25% costlier
Manufacturing Engineering Technology/Technician Associate's Degree 8 30% costlier
Biology Technician/Biotechnology Laboratory Technician Associate's Degree 7 29% costlier
Executive Assistant/Executive Secretary Associate's Degree 5 33% costlier
Forensic Science and Technology Associate's Degree 3 28% costlier
Chemical Technology/Technician Associate's Degree 2 18% costlier
Secondary Education and Teaching Associate's Degree 1 34% costlier


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

Prepayment Option

About Hudson Valley Community College

Hudson Valley Community College is a two year community college located in Troy, New York.  Full time enrollment is 5,880 and part time is 5,707.  Hudson Valley 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 Hudson Valley Community College at CollegeSimply.

Only undergraduate degrees are offered at this school.

Hudson Valley Community College
80 Vandenburgh Ave
Troy, New York

For Profit / Not For Profit Status

Hudson Valley 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.

Hudson Valley Community College cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=191719 IPEDS survey data.