Annual Costs

Undergraduate Tuition

Jefferson Community College tuition is $4,752 per year for in-state residents. This is 31% more expensive than the national average public two year tuition of $3,631. The cost is 51% cheaper than the average New York tuition of $9,679 for 2 year colleges. Tuition ranks 19th in New York amongst 2 year colleges for affordability and is the 49th most expensive 2 year college in the state. If attending from out-of-state, the tuition is $9,504 which represents a 100% premium.

The school charges an additional fees of $672 in addition to tuition bringing the total effective in-state tuition to $5,424.

Housing Costs

Jefferson 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 Watertown area just like you would for a college with dorms. The estimated rent and meal expense per academic year for off campus housing is $11,666.

Books and Supplies

The estimated annual cost for books and supplies is $1,500.

Other Living Expenses

Off-campus students should budget for $2,350 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state New York residents to go to Jefferson Community College is $20,940 for the 2018/2019 academic year. Out-of-state students who don't have New York residence can expect a one year cost of $25,692. Students residing at home with parents providing food and housing should budget a total cost of $12,374.

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

Costs and Tuition for Jefferson Community College
Estimated Budgets
New York Resident Total Budget (Living Off Campus)$20,940
   In-State Tuition$4,752
   Other Fees$672
   Off-Campus Housing Budget$11,666
   Off-Campus Other Budget$2,350
   Books and Supplies$1,500
New York Resident Total Budget (Living with Parents)$12,374
   In-State Tuition$4,752
   Other Fees$672
   Family Provided Room and Board$0
   With-Family Other Living Budget$5,450
   Books and Supplies$1,500


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 $20,940 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 Jefferson Community College net price for in-state students is $11,123* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

77% of Jefferson Community College students received grant aid in 2014/2015. The average total aid amount was $5,402. 59 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 $4,093. To apply for a Pell Grant to attend Jefferson Community College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Jefferson Community College
Financial Aid Summary
Average Annual Net Price$11,123*
Percent of Students Receiving Grant Aid77%
Average Total Grant Aid$5,402
Percent of Students Receiving Pell Grants59%
Average Amount of Pell Grant Aid$4,093

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$9,261
$30,001 to $48,000$10,761
$48,001 to $75,000$14,269
$75,001 to $110,000$16,112

Average Financial Aid Mix - $20,940 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $20,940. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 29% - $5,402

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

Federal Loans

 26% - $4,882

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

Out of Pocket

 45% -  $8,306

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. Jefferson Community College
Onondaga Community College3.1% more expensive
Mohawk Valley Community College Utica Branch8% less expensive
Cayuga County Community College2% less expensive
Herkimer County Community College1.7% less expensive
North Country Community College2.7% 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 Jefferson 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 Jefferson Community College is $41,880 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 $4,555 in-state net price as the basis. Applying this cost over 2 would estimate the cost of a degree at $9,110**

**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 Jefferson Community College.

New York Resident Tuition Per Semester$2,376
New York Resident Total Cost Per Semester$10,470
Non-New York Resident Tuition Per Semester$4,752
Non-New York Resident Total Cost Per Semester$12,846

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 Jefferson 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 Jefferson Community College
Price per credit hour for New York residents$198
Cost for one class for New York residents (3 credit hours)$594
Price per credit hour for out of state residents$396
Cost for one class for out of state residents (3 credit hours)$1,188
Cost for one class for out of state residents (4 credit hours)$1,584


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. 44% of Jefferson Community College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $4,882.

Example Loan Payments and Costs

How much are student loan payments for Jefferson 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 $9,110, 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 $11,303.42. This could be your effective total out of pocket cost of an education at Jefferson Community College. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 77% of students at this school who receive financial aid and you are paying an average annual net price of $4,555. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Jefferson 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.

Jefferson Community College Student Loan Payments
Example Payments
Monthly Loan Payment$94.20
Amount Borrowed$9,110.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$2,193.42
Sum of All Payments over 10 years$11,303.42

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Jefferson 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 Jefferson 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 $11,303.42 would be needed to afford a $94.20 monthly payment in the example $9,110.00 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 Jefferson Community College in the future? In the past four years, this school's published in-state tuition and fee total rose from $3,744 to $4,752. This amounts to an average annual price increase of 5.4%. 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 $41,880.00. 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 Jefferson Community College.

Annual2 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$27,393$54,787
Estimated Cost in 10 years for students enrolling in 2030$34,962$69,924
Estimated Cost in 15 years for students enrolling in 2035 $44,621$89,242
Estimated Cost in 18 years for students enrolling in 2038 $51,654$103,309

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Jefferson 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 154 16% costlier
Humanities/Humanistic Studies Associate's Degree 148 17% costlier
Business Administration and Management, General Associate's Degree 65 19% costlier
Criminal Justice/Law Enforcement Administration Associate's Degree 50 22% costlier
Registered Nursing/Registered Nurse Associate's Degree 32 27% costlier
Community Organization and Advocacy Associate's Degree 21 14% costlier
Child Care and Support Services Management Associate's Degree 19 41% costlier
Tourism Promotion Operations Associate's Degree 17 15% cheaper
Administrative Assistant and Secretarial Science, General Associate's Degree 15 37% costlier
Engineering, General Associate's Degree 11 37% costlier
Computer Technology/Computer Systems Technology Associate's Degree 11 34% costlier
Legal Assistant/Paralegal Associate's Degree 10 27% costlier
Animal/Livestock Husbandry and Production Associate's Degree 8 21% costlier
Accounting Technology/Technician and Bookkeeping Associate's Degree 8 32% costlier
Emergency Medical Technology/Technician (EMT Paramedic) Associate's Degree 2 42% costlier
Fire Services Administration Associate's Degree 1 31% costlier
Computer and Information Sciences, General Associate's Degree 1 30% costlier
Accounting Associate's Degree 1 27% costlier


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

Prepayment Option

About Jefferson Community College

Jefferson Community College is a two year community college located in Watertown, New York.  Full time enrollment is 1,802 and part time is 1,475.  Jefferson 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 Jefferson Community College at CollegeSimply.

Only undergraduate degrees are offered at this school.

Jefferson Community College
1220 Coffeen St
Watertown, New York

For Profit / Not For Profit Status

Jefferson 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.

Jefferson Community College cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=192022 IPEDS survey data.