Cost Details
- In-State Tuition
- $17,357
- Out-of-State Tuition
- $39,293
- Average Net Price
- $23,691
- Students Receiving Financial Aid
- 20.3%
- Room & Board (On Campus)
- $14,869
- Room & Board (Off Campus)
- $15,437
- Books & Supplies
- $1,000
- Total Cost of Attendance
- $33,226
- Median Debt at Graduation
- $22,763
- Estimated Monthly Loan Payment
- $241/mo
- Loan Repayment Rate
- 77.3%
- Students Taking Federal Loans
- 47.9%
- Pell Grant Recipients
- 20.3%
Net Price by Family Income
Average annual net price after grants and scholarships. Source: U.S. Department of Education
| Family Income | Average Net Price |
|---|---|
| $0 – $30,000 | $11,103 |
| $30,001 – $48,000 | $13,259 |
| $48,001 – $75,000 | $16,738 |
| $75,001 – $110,000 | $24,016 |
| $110,001+ | $31,297 |
Cost Estimator
Cost Overview
Most UMass Amherst families pay far less than the $39,293 out-of-state sticker price. Students from families earning under $30,000 pay just $11,103 after aid, while those from $110,000+ households pay $31,297. The average net price sits at $23,691 across all income levels. Over four years, that means middle-class families typically invest around $95,000 for a UMass degree.
Graduates leave with a median debt of $22,763, translating to $241 monthly payments. That burden becomes manageable quickly since alumni earn a median $71,631 within ten years. The 77% loan repayment rate reflects this strong earning potential. Massachusetts residents get the premium deal here. With 73% of students coming from in-state, they access this respected research university for roughly half the cost of out-of-state peers while building connections throughout the Commonwealth's tech and business networks.
Graduates leave with a median debt of $22,763, translating to $241 monthly payments. That burden becomes manageable quickly since alumni earn a median $71,631 within ten years. The 77% loan repayment rate reflects this strong earning potential. Massachusetts residents get the premium deal here. With 73% of students coming from in-state, they access this respected research university for roughly half the cost of out-of-state peers while building connections throughout the Commonwealth's tech and business networks.
Official Net Price Calculator
Get a personalized cost estimate from University of Massachusetts-Amherst:
Visit Official Net Price CalculatorThis links to the school's federally-required net price calculator for a personalized estimate.