Cost of College in Massachusetts
What does college cost in Massachusetts?
In-state public tuition and fees average $13,192 (rank 40 of 51), out-of-state $25,937, private nonprofit $46,735. The all-in four-year in-state public total is about $123,714. The least expensive public option is Massachusetts Maritime Academy at $10,816.
Average charges, four-year totals, named institutional extremes, and flagship net prices for Massachusetts, computed from the federal IPEDS file.
Updated October 22, 2026
Massachusetts is one of the expensive states for public college: average in-state tuition and fees of $13,192 rank 40 of 51 jurisdictions, 25% above the national average of $10,525. All figures on this page are computed from the federal IPEDS file for Massachusetts: 14 public and 69 private nonprofit four-year institutions, charges for academic year 2023-24, net prices for 2022-23. Living allowances (room, board, books) are the averages institutions report for their own budgets; the guide to what cost of attendance includes explains each component.
| Average annual charge, Massachusetts four-year institutions (IPEDS 2023-24) | Public in-state | Public out-of-state | Private nonprofit |
|---|---|---|---|
| Tuition and fees | $13,192 | $25,937 | $46,735 |
| Housing and food (school-reported average) | $15,261 | $15,261 | $17,020 |
| Books and supplies | $1,118 | $1,118 | $1,118 |
| Four-year total at 3% annual increases | $123,714 | $177,034 | $271,404 |
Residency is worth real money at Massachusetts publics: $13,192 in-state against $25,937 out, a 2.0-to-1 ratio that adds about $53,319 to a four-year nonresident degree on average. Families relocating, students whose parents move, and independent students sometimes qualify to reclassify after a year of documented residence; the savings, $12,745 per remaining year, justify reading the reclassification rules early and keeping the paper trail they demand.
How Massachusetts compares
The spread inside Massachusetts deserves its own paragraph. Massachusetts Maritime Academy anchors the low end at $10,816 of tuition and fees, while University of Massachusetts-Amherst tops the public list at $17,357, 1.6 times as much. Families who treat 'the state university system' as a single price miss this entirely; across the state's 14 public four-year schools, the institution choice alone, before aid, is worth more per year than the average private-college scholarship headline.
Net price at University of Massachusetts-Amherst
The flagship test shows what aid does to the sticker at the state's best-known institution, University of Massachusetts-Amherst in Amherst. Its published in-state tuition and fees are $17,357, yet the median net price paid by aided first-year students overall is $22,954, and by family income the schedule runs:
| Family income | Median net price at University of Massachusetts-Amherst |
|---|---|
| Up to $30,000 | $11,103 |
| $30,001-$48,000 | $13,259 |
| $48,001-$75,000 | $16,738 |
| $75,001-$110,000 | $24,016 |
| Over $110,000 | $31,297 |
The shape of that schedule is the institution's aid policy in one column: the lowest-income students pay $11,103, the highest-income pay $31,297, a ratio of 2.8 to 1. A steep schedule (high ratio) means the flagship spends heavily to pull low-income students in and charges affluent families nearer the sticker; a flat one means aid is spread thin or merit-driven. Massachusetts families should read their own bracket's figure as the flagship's realistic price and the sticker as its ceiling, then repeat the exercise for the other schools on their list using each school's mandated net price calculator.
The four-year view in Massachusetts
The four-year lens also reframes Massachusetts's rank. At $123,714 all-in, the in-state public degree costs $22,927 more than the national-average equivalent of $100,787, a difference roughly equal to a year of average earnings for a new graduate working part-time through school. Families comparing Massachusetts against a neighboring state's publics should compare at this altitude, totals against totals, because per-year sticker gaps compound at exactly the 3% annual pace built into these figures.
At University of Massachusetts-Amherst, the distance between the published year (about $33,736 all-in for a resident) and the lowest-bracket net price ($11,103) measures how much grant aid the flagship can deploy when it wants a student: about $22,633 a year. Families in the $48,001 to $75,000 bracket, paying a median $16,738, receive roughly $16,998 of that help. The practical reading: the flagship's generosity is real but rationed by income in published steps, and a family can locate its own step in this table before an application is ever filed.
Counts matter to strategy: with 14 public and 69 private nonprofit four-year options in the file, a Massachusetts applicant can build a list entirely inside the state at several price altitudes, or treat the home bench as the safety and shop nationally with the home net prices as the benchmark every out-of-state offer must beat. The flagship, at $17,357 of tuition and fees, prices at 1.3 times the state average; the discount schedules of the privates, benchmarked in the estimator, decide whether any of the 69 private options can undercut it after aid.
Ways Massachusetts students lower the published bill
Two levers move the Massachusetts total most. First, housing: at $15,261 a year on the school-reported average, living costs rival or exceed tuition at the state's publics, and the dorm-versus-apartment comparison (linked from the hub) is worth real money in the college towns here. Second, time: a fifth year at the average public costs another $29,571 at sticker, so degree plans that protect a four-year finish (credit maps checked every semester, summer terms used surgically) are a financial instrument, not an academic nicety.
Regional exchange. Massachusetts belongs to the New England Board of Higher Education's Tuition Break program, which discounts out-of-state tuition for New England residents in designated programs at public colleges across the region. A Massachusetts student whose major is scarce at home, and a Vermonter or Mainer whose major is scarce there, can each price a neighbor's public well below its published nonresident rate.
Massachusetts in one paragraph: a public degree runs about $123,714 over four years at sticker, the flagship discounts that to a $11,103 to $31,297 range by income, and the state's least expensive public tuition is $10,816 at Massachusetts Maritime Academy. Every other number on this page is a refinement of those three.
College costs in other states
Compare Massachusetts with the other state pages in this section, each with the same IPEDS breakdown of average charges, four-year totals, named institutional extremes, and flagship net prices, or return to the College cost hub for the calculators and the national state table:
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Frequently asked questions
How much does college cost in Massachusetts?
On IPEDS 2023-24 averages: $13,192 a year of tuition and fees in-state at publics, $25,937 out-of-state, and $46,735 at private nonprofits. The all-in four-year in-state public total with housing, food, and books at 3% annual increases is about $123,714.
What is the cheapest public college in Massachusetts?
Massachusetts Maritime Academy, at $10,816 of tuition and fees in the 2023-24 federal file, the lowest among the state's 14 public four-year institutions. The most expensive is University of Massachusetts-Amherst at $17,357.
How much aid does University of Massachusetts-Amherst give?
Its median net price for aided first-year students is $22,954 against published in-state tuition and fees of $17,357. By income, the median runs from $11,103 (up to $30,000) to $31,297 (over $110,000) in the IPEDS 2022-23 data.
Is Massachusetts a good state for out-of-state students?
That depends on the premium: nonresidents pay 2.0 times the resident tuition at Massachusetts publics on average ($25,937 vs $13,192). Regional exchange participation can cut that premium substantially for eligible programs, as described on this page.