Cost of Studying in Massachusetts
This page provides detailed information about tuition costs, living expenses, and financial planning considerations for students studying in Massachusetts.
For scholarship opportunities, visit Scholarships in Massachusetts. To explore individual institutions, see the Universities Directory.
Tuition Ranges
Tuition costs in Massachusetts vary significantly based on institution type, residency status, and program level. The following ranges are approximate estimates compiled from public sources for the 2024-2025 academic year.
Public Universities (UMass System) — In-State Students
Undergraduate (annual): $15,000 - $18,000
Graduate (annual): $14,000 - $20,000
In-state tuition applies to Massachusetts residents who meet residency requirements established by individual institutions.
Public Universities — Out-of-State & International Students
Undergraduate (annual): $20,000 - $45,000
Graduate (annual): $20,000 - $38,000
Out-of-state tuition applies to students who do not meet Massachusetts residency requirements, including most international students.
Private Universities
Undergraduate (annual): $35,000 - $70,000+
Graduate (annual): $35,000 - $65,000+
Private institutions typically charge the same tuition regardless of residency status. Highly selective institutions such as Harvard and MIT have tuitions toward the higher end of this range. Professional programs may have different fee structures.
Important Note: Ranges are estimates compiled from public sources. Actual costs vary by institution and program. Students must verify current tuition rates directly with universities. Additional fees may apply.
Living Expenses
Beyond tuition, students must budget for housing, food, transportation, and personal expenses. Living costs vary significantly by location within Massachusetts, with the Greater Boston and Cambridge areas typically higher than Amherst, Worcester, or Springfield.
Monthly Living Expense Estimates
Housing
On-Campus Dormitory: $900 - $1,800/month
Off-Campus Shared Apartment: $800 - $1,500/month
Off-Campus Studio/1-Bedroom: $1,500 - $3,000+/month
Rates vary considerably by location. Boston and Cambridge are among the most expensive rental markets in the U.S. Amherst, Worcester, and Lowell offer more moderate options.
Food
University Meal Plan: $350 - $600/month
Groceries (self-catering): $300 - $450/month
Combined (meal plan + groceries): $450 - $700/month
Transportation
MBTA Monthly Pass (Boston area): $90 - $110/month
Personal Vehicle (fuel, parking, insurance): $250 - $500/month
Occasional Ride-Share: $50 - $150/month
Boston's MBTA (subway and bus) provides extensive coverage. Many universities offer free or discounted campus shuttle services.
Utilities
Electricity, Heat, Water: $100 - $200/month
Internet: $50 - $80/month
Mobile Phone: $35 - $70/month
Heating costs can be significant in Massachusetts winters. Utilities are often included in on-campus housing costs.
Personal Expenses
Books & Course Materials: $50 - $150/month
Health Insurance: $150 - $400/month
Personal Items & Clothing: $100 - $250/month
Entertainment & Recreation: $100 - $300/month
Estimated Total Monthly Living Expenses
Conservative Budget (western MA): $1,600 - $2,400/month
Moderate Budget: $2,400 - $3,500/month
Boston/Cambridge Area: $3,500 - $5,000+/month
Important Note: These are approximate estimates. Actual expenses vary based on lifestyle, location, and individual circumstances. International students should also budget for visa fees, travel, and health insurance requirements.
Additional Financial Considerations
- Application Fees: Most universities charge application fees ranging from $50 - $100 per application.
- Health Insurance: Many Massachusetts institutions require proof of health insurance. International students may need to purchase university-sponsored plans.
- SEVIS Fee (International Students): $350 for F-1 visa applicants.
- Visa Application Fee (International Students): $160 for most student visa categories.
- English Proficiency Tests: TOEFL ($200-250) or IELTS ($215-255) if required.
- Standardized Tests: SAT ($60), ACT ($60), GRE ($220), GMAT ($275) depending on program requirements.
- Winter Clothing: Students from warmer climates should budget for cold-weather clothing for Massachusetts winters.
Financial Planning Resources
Students are strongly encouraged to create detailed budgets before committing to study in Massachusetts. University financial aid offices provide cost calculators and financial planning tools.
Additional resources:
- Scholarships in Massachusetts
- Universities Directory (includes links to financial aid offices)
- Admissions & Visa Guide
All cost information is provided for general reference only. Tuition and fees change annually. Students must confirm current costs, payment schedules, and financial aid availability directly with universities.
Last reviewed: January 2026