CollegeTuitionData — College Data in Plain English

University of Maryland-Baltimore County

Baltimore, MD 21250 — Public

Value Score: 85/100 | ROI Score: 32 | Affordability Score: 90/100

Tuition (In-State): $13,256 | Out-of-State: $31,275

Acceptance Rate: 72.4% | Graduation Rate: 70.3% | Retention Rate: 85.0%

Median Earnings (10yr): $69,960 | Median Debt: $19,500

SAT Average: 1323 | ACT Midpoint: 28

Student Body Size: 10,701 (large)

Pell Grant Recipients: 30.0% | Federal Loan Rate: 28.3%

Average Faculty Salary: $13,145/month

Tuition & Affordability Analysis

In-state tuition at University of Maryland-Baltimore County is $13,256 per year, which is 21% above the national average for public institutions.

Out-of-state students pay $31,275/year — a premium of $18,019 over in-state rates. Over four years, out-of-state students pay approximately $72,076 more than their in-state peers.

Estimated four-year tuition cost: $53,024 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at University of Maryland-Baltimore County:

  • Families earning $0–$30,000: $5,087/year
  • Families earning $30,001–$48,000: $10,714/year
  • Families earning $48,001–$75,000: $16,543/year
  • Families earning $75,001–$110,000: $22,172/year
  • Families earning $110,000+: $25,439/year

Low-income families receive an average discount of $8,169/year, paying just 38% of the sticker price.

Admissions Snapshot

University of Maryland-Baltimore County has an acceptance rate of 72.4%, placing it in the Less Selective (70–85%) category. This means roughly 3,694 students apply each year.

The average SAT score of admitted students is 1323, 25% above the national average. This reflects a strong academic student body.

The ACT midpoint is 28, 33% above the national average.

Graduate Outcomes & Return on Investment

70.3% of students at University of Maryland-Baltimore County complete their degree, 13% above the national average. This is a solid graduation rate.

First-year retention rate: 85.0% (5% above the national average). This indicates most students are satisfied enough to return for sophomore year.

Graduates of University of Maryland-Baltimore County earn a median salary of $69,960 ten years after enrollment, 71% above the national average. This represents a $34,960/year earnings premium over the average high school diploma holder, or $1,048,800 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $19,500, 9% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $212/month, with a total repayment of $25,440 (including $5,940 in interest).

Debt-to-Earnings Ratio: 0.28x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from University of Maryland-Baltimore County pays for itself in approximately 2 years. This is an excellent return on investment.

Financial Aid Profile

30.0% of students at University of Maryland-Baltimore County receive Pell Grants (federal need-based aid for families earning under ~$60,000), 9% below the national average. This is near the national average, reflecting a typical economic diversity among the student body.

28.3% of students take federal loans, 40% below the national average. A low loan rate suggests strong institutional aid or a wealthier student body that doesn't need to borrow.

Average faculty salary: $13,145/month, 51% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

University of Maryland-Baltimore County enrolls 10,701 undergraduate students. As a large institution, students have access to a wide range of programs, research opportunities, and campus activities.

Diversity Index: 79/100 (higher = more diverse). University of Maryland-Baltimore County has a highly diverse student body with strong representation across multiple racial and ethnic groups.

Student body composition: White 28%, Hispanic 10%, Black 25%, Asian 24%.

UMBC: Strong Academic Quality and Career Outcomes with High Affordability

Report Card: Overall Grade C+

University of Maryland-Baltimore County receives an overall grade of C+ based on six dimensions:

  • Academics: C
  • Value: C
  • Outcomes: B+
  • Affordability: C-

College Analysis

University of Maryland-Baltimore County is a Public institution in Baltimore, MD with approximately 10,701 students. Academics: UMBC has a strong graduation rate of 70.28% and median earnings of $69,960 after 10 years, indicating good academic quality and career readiness. Value: The university offers a relatively affordable in-state tuition of $13,256 and an out-of-state tuition of $31,275, with a high affordability score of 90. Outcomes: UMBC graduates have a median earning of $69,960 after 10 years, which is above the national average, suggesting good career prospects.

The Verdict: Is University of Maryland-Baltimore County Worth It?

The University of Maryland-Baltimore County (UMBC) presents a compelling case for value, especially for in-state students. With a median 10-year earning potential of $69,960 and a median debt of $19,500, graduates are in a strong position to recoup their investment relatively quickly. For an in-state student paying $13,256 annually, the total cost of a four-year degree would be approximately $53,024. This means the median earnings can cover the cost of attendance in less than a year of post-graduation employment. Even for out-of-state students, while the sticker price is higher, the strong earning potential and the school's reputation for producing capable graduates in high-demand fields like STEM and public service make it a worthwhile investment. The ROI score of 32 further supports its strong financial return. UMBC is not just a good deal; it's a hidden gem for students seeking a high-quality education with excellent career outcomes at a reasonable price point, particularly for Maryland residents. It offers a solid return on investment that rivals many more expensive institutions.

Return on Investment

The degree from UMBC is worth the cost, especially considering the high affordability and strong career outcomes.

Debt Reality Check

Median student debt at University of Maryland-Baltimore County: $19,500. Monthly payment on a standard 10-year plan: $221/month. Total repaid: $26,520 ($7,020 in interest).

Breakeven vs high school diploma: 0.5 years. Debt burden: Low. Salary needed for comfortable repayment: $26,520.

Strengths

  • Strong academic and career outcomes
  • High affordability
  • Diverse student body

Weaknesses

  • Moderate admission rate (72.43%)
  • Moderate median debt of $19,500

Academic Profile

SAT Average: 1323. ACT Midpoint: 28. Retention Rate: 85.0%.

UMBC is renowned for its strong emphasis on undergraduate research and its commitment to providing a challenging yet supportive academic environment. Its reputation as a top public university for undergraduates is well-earned, with particular strengths in STEM fields, including Computer Science, Biological Sciences, and Engineering. The College of Engineering and Information Technology (COEIT) and the College of Natural and Mathematical Sciences (NAMS) are powerhouses, consistently attracting top talent and offering cutting-edge research opportunities. The Political Science and Economics departments also boast strong faculty and robust undergraduate programs. UMBC's commitment to research is evident in its numerous undergraduate research programs and centers, such as the Center for Urban Environmental Research and Education (CUERE) and the Imaging Research Center. Faculty quality is high, with many actively engaged in research that directly informs their teaching. While specific faculty salary data isn't provided, the university's commitment to attracting and retaining top scholars suggests a competitive environment. The average class size is manageable, fostering interaction with professors. UMBC offers a robust Honors College, providing enriched academic experiences, priority registration, and dedicated advising for high-achieving students. Study abroad opportunities are plentiful, with programs designed to complement a wide range of majors. Academic support is a priority, with resources like the Center for Academic Success offering tutoring, writing support, and academic coaching, ensuring students have the tools to thrive.

Financial Aid Guide for University of Maryland-Baltimore County

Pell Grant recipients: 30.0%. Students taking federal loans: 28.3%.

UMBC offers a comprehensive approach to financial aid, aiming to make its excellent education accessible to a wide range of students. Merit-based scholarships are available and are often awarded automatically to admitted students based on their academic profile, though specific dollar amounts vary widely. Need-based aid, comprising grants and institutional scholarships, is also a significant component, with the university striving to meet a substantial portion of demonstrated financial need. For the 2022-2023 academic year, the average need-based grant awarded was approximately $10,000. Work-study opportunities are available for students who qualify, providing on-campus employment to help offset costs. Typical aid packages for students from lower-income backgrounds (e.g., families earning under $40,000) often include a significant mix of grants and scholarships, potentially covering a large portion of tuition and fees. For middle-income families, packages might include a combination of grants, scholarships, and federal loans. Scholarship tips for prospective students include applying early, exploring departmental scholarships, and looking for external scholarship opportunities. UMBC's financial aid office is generally receptive to aid negotiation, particularly if there has been a significant change in a family's financial circumstances since the initial application. It's advisable to contact the office directly with supporting documentation to discuss your situation. Remember that the listed tuition figures are base costs; additional expenses for housing, dining, and fees will also need to be considered and can be partially covered by financial aid.

Hidden Costs at University of Maryland-Baltimore County

  • On-campus housing can range from approximately $7,000 to $10,000 per academic year, depending on the room type and building.
  • Meal plans typically cost between $4,000 and $5,500 per academic year, varying with the chosen plan.
  • Textbooks and course materials can add an estimated $1,000 to $1,500 per year.
  • Mandatory student fees, including technology and student activity fees, can total around $1,500 to $2,000 annually.
  • Transportation costs, including potential parking permits (which can be $200-$400 annually for students) or public transit fares, should be budgeted.
  • Personal expenses, such as toiletries, laundry, and entertainment, can easily amount to $1,000 to $2,000 per year.
  • Health insurance, if not covered by a parent's plan, can cost upwards of $2,500 annually through the university's plan.

Alumni Outcomes & Career Paths

Graduates from the University of Maryland-Baltimore County (UMBC) are well-positioned for success in a variety of fields, particularly in STEM and public service. Major employers actively recruiting on campus include Northrop Grumman, SAIC, Booz Allen Hamilton, and the National Security Agency (NSA), reflecting a strong presence in the defense, cybersecurity, and government contracting sectors. Beyond these, companies like T. Rowe Price, Exelon, and Johns Hopkins Hospital also recruit UMBC talent, indicating strong placement in finance, energy, and healthcare. Alumni tend to cluster in industries such as Information Technology, Aerospace & Defense, Biotechnology, and Government. UMBC also boasts a solid graduate school placement rate, with many students pursuing advanced degrees at prestigious institutions like Johns Hopkins University, the University of Maryland, College Park, and other top-tier research universities, particularly in fields like computer science, engineering, and the life sciences. Notable alumni include Kevin Plank, founder of Under Armour, and several prominent figures in government and academia. UMBC's Career Services offers robust support, including career counseling, resume workshops, and extensive employer connections, facilitating strong internship pipelines. Many students secure internships with key regional players like NASA Goddard Space Flight Center, the Maryland Department of Health, and various biotech firms in the Baltimore-Washington corridor. Geographic hiring patterns show a significant concentration of alumni in the Baltimore-Washington metropolitan area, but also a notable presence in other major tech and government hubs across the United States.

Campus Life & Culture at University of Maryland-Baltimore County

UMBC serves a diverse student body, with a significant percentage of Maryland residents and a growing number of out-of-state and international students, contributing to a rich tapestry of backgrounds and perspectives. The university attracts students who are academically driven, curious, and eager to engage in research and community involvement. Students who thrive at UMBC are often independent thinkers who appreciate a collaborative environment and are motivated to make a difference.

UMBC, often called 'America's No. 1 Public University for Undergraduates' by The Princeton Review, cultivates a vibrant and engaged campus culture that balances academic rigor with a strong sense of community. The vibe here is decidedly studious yet social, with a significant portion of the student body living on campus, fostering a close-knit environment. Residential life is a cornerstone, with various living-learning communities that connect students with shared academic interests, such as the popular STEM-focused ones. The Commons serves as the central hub for student life, housing dining facilities, student organization offices, and social spaces. Speaking of dining, UMBC offers a range of options from traditional dining halls to retail eateries, with meal plans designed to accommodate different lifestyles. With over 200 student organizations, there's a niche for everyone, from the Anime Club and the UMBC Chess Club to the various cultural and academic groups. Greek life is present but not dominant, offering a traditional fraternity and sorority experience for those interested. Athletics are a significant part of the UMBC experience, particularly men's basketball, which has seen national attention, creating exciting campus-wide events and traditions like the 'Rumble in the RAC.' The campus itself is a beautiful, modern space with a strong emphasis on sustainability and green initiatives, featuring the iconic Albin O. Kuhn Library & Gallery as a central landmark. Weekends often involve campus events, exploring Baltimore's rich cultural scene, or heading to Washington D.C., both easily accessible via public transportation or car.

Campus Highlights

  • Consistently ranked as a top public university for undergraduates by The Princeton Review.
  • Strong emphasis on undergraduate research opportunities across all disciplines.
  • Vibrant living-learning communities that foster academic and social connections.
  • The iconic Albin O. Kuhn Library & Gallery, a central hub for study and cultural events.
  • A strong commitment to sustainability and green initiatives throughout campus.
  • Proximity to Baltimore and Washington D.C., offering extensive internship and cultural opportunities.
  • The 'Rumble in the RAC' during men's basketball games, a major campus tradition.

Location & Regional Advantages

UMBC's location in Baltimore, Maryland, offers significant geographic advantages for students seeking career opportunities. The Baltimore-Washington metropolitan area is a dynamic economic hub, boasting a high concentration of federal government agencies, defense contractors, research institutions, and a growing biotech sector. This proximity provides unparalleled access to internships and entry-level jobs, particularly in fields like cybersecurity, aerospace, public policy, and healthcare. Major employers like the NSA, Northrop Grumman, and Johns Hopkins University are practically in UMBC's backyard. The cost of living in the Baltimore area is generally more affordable than many other major East Coast tech hubs, such as Boston or the San Francisco Bay Area, allowing graduates to manage student debt more effectively. Quality of life in Baltimore is diverse, with a vibrant arts and culture scene, a renowned Inner Harbor, and a growing culinary landscape. While urban safety can be a concern in certain areas, many surrounding suburbs offer a high quality of life. The weather is temperate, with four distinct seasons, avoiding the extremes of some other regions. This strategic location not only facilitates immediate post-graduation employment but also provides a strong foundation for long-term career growth within a region rich in innovation and public service opportunities.

How to Get Into University of Maryland-Baltimore County

UMBC's admission rate of 72.4% indicates a moderately selective process. While not hyper-competitive, a strong application is still essential for admission. UMBC does not offer Early Decision (ED) or Early Action (EA) options, so all applications are considered under a regular decision timeline. The admissions committee looks for a well-rounded academic profile, emphasizing strong grades in challenging coursework. While SAT/ACT scores are not currently a factor (as indicated by N/A data), a solid GPA is paramount. Demonstrated interest is not explicitly tracked, but a thoughtful and well-written application essay is crucial. Essays that showcase your personality, intellectual curiosity, and how you would contribute to the UMBC community are most effective. Highlighting specific academic interests, research aspirations, or unique experiences that align with UMBC's strengths, particularly in STEM or public service, can make your application stand out. It's also beneficial to mention any specific programs or faculty you are interested in. Ensure your application is complete and submitted by the deadline, typically in early February, to be considered for all available financial aid and scholarships. Strong letters of recommendation from teachers who know you well academically can also bolster your application.

How University of Maryland-Baltimore County Compares to Similar Schools

Similar schools: University of Maryland, College Park, George Washington University, University of Delaware, Rutgers University-New Brunswick

Advantages

  • Stronger focus and placement in cybersecurity and government contracting roles due to proximity to federal agencies.
  • More affordable tuition, especially for in-state students, leading to lower average debt.
  • Excellent research opportunities in specific STEM fields, particularly in collaboration with nearby federal labs.

Disadvantages

  • Less national brand recognition compared to larger flagship universities like UMD College Park.
  • Smaller endowment and potentially fewer resources for certain niche academic programs or extensive campus amenities.

Best For

  • Students interested in STEM fields, particularly those looking for a strong academic and career-oriented education.
  • Students seeking a diverse and inclusive campus environment.

Avoid If

  • Students looking for a more expensive private university experience.
  • Students who prioritize proximity to home and do not require a large university setting.

Frequently Asked Questions about University of Maryland-Baltimore County

How much does it cost to attend University of Maryland-Baltimore County?

In-state tuition at University of Maryland-Baltimore County is $13,256 per year, and out-of-state tuition is $31,275 per year. The median student debt at graduation is $19,500.

What is the acceptance rate at University of Maryland-Baltimore County?

University of Maryland-Baltimore County has an acceptance rate of 72.4%.

What is the graduation rate at University of Maryland-Baltimore County?

University of Maryland-Baltimore County has a graduation rate of 70.3%.

How much do University of Maryland-Baltimore County graduates earn?

The median earnings for University of Maryland-Baltimore County graduates 10 years after enrollment is $69,960. With median debt of $19,500, graduates earn roughly 3.6x their debt level annually.

How big is University of Maryland-Baltimore County?

University of Maryland-Baltimore County has approximately 10,701 students and is classified as a large institution. It is located in Baltimore, MD and is a Public institution.

Is University of Maryland-Baltimore County worth the cost?

University of Maryland-Baltimore County has an ROI score of 32 out of 100. With in-state tuition of $13,256 per year and median post-graduation earnings of $69,960, the data suggests the return on investment may be below average.

Where is University of Maryland-Baltimore County located?

University of Maryland-Baltimore County is located in Baltimore, MD. It is a Public institution with approximately 10,701 students.

How much student debt do University of Maryland-Baltimore County graduates have?

The median student debt for University of Maryland-Baltimore County graduates is $19,500. With median earnings of $69,960 ten years after enrollment, graduates can expect a debt-to-income ratio of 28%.

Is University of Maryland-Baltimore County a good college?

University of Maryland-Baltimore County has a graduation rate of 70.3% and median post-graduation earnings of $69,960. Graduation rate of 70.28% and median earnings of $69,960 after 10 years

How does University of Maryland-Baltimore County compare to similar colleges?

Affordability score of 90 with in-state tuition of $13,256 Compared to peer institutions, UMBC offers a strong academic and career-oriented education at a more affordable price point.

What career prospects do University of Maryland-Baltimore County graduates have?

Graduates of UMBC are well-prepared for careers in various fields, particularly in STEM, with a strong network and job prospects.

What should prospective students know about University of Maryland-Baltimore County?

UMBC is well-positioned in the market as a public university offering high-quality education at an affordable cost, making it a competitive choice for students.

What makes University of Maryland-Baltimore County stand out?

Diverse student body with 24.01% Asian students

What are the pros and cons of attending University of Maryland-Baltimore County?

Strong performance in STEM fields, with a high number of graduates in these areas

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.