CollegeTuitionData — College Data in Plain English

University of Massachusetts-Amherst

Amherst, MA 01003 — Public

Value Score: 85/100 | ROI Score: 1 | Affordability Score: 90/100

Tuition (In-State): $17,772 | Out-of-State: $40,449

Acceptance Rate: 59.7% | Graduation Rate: 83.2% | Retention Rate: 91.9%

Median Earnings (10yr): $71,631 | Median Debt: $22,763

SAT Average: 1423 | ACT Midpoint: 31

Student Body Size: 23,671 (large)

Pell Grant Recipients: 19.9% | Federal Loan Rate: 46.6%

Average Faculty Salary: $14,663/month

Tuition & Affordability Analysis

In-state tuition at University of Massachusetts-Amherst is $17,772 per year, which is 62% above the national average for public institutions.

Out-of-state students pay $40,449/year — a premium of $22,677 over in-state rates. Over four years, out-of-state students pay approximately $90,708 more than their in-state peers.

Estimated four-year tuition cost: $71,088 (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 Massachusetts-Amherst:

  • Families earning $0–$30,000: $10,164/year
  • Families earning $30,001–$48,000: $10,456/year
  • Families earning $48,001–$75,000: $12,932/year
  • Families earning $75,001–$110,000: $18,964/year
  • Families earning $110,000+: $30,793/year

Low-income families receive an average discount of $7,608/year, paying just 57% of the sticker price.

Admissions Snapshot

University of Massachusetts-Amherst has an acceptance rate of 59.7%, placing it in the Moderately Selective (50–70%) category. This means roughly 9,908 students apply each year.

The average SAT score of admitted students is 1423, 34% above the national average. This places University of Massachusetts-Amherst among the top-tier institutions for academic preparedness.

The ACT midpoint is 31, 48% above the national average.

Graduate Outcomes & Return on Investment

83.2% of students at University of Massachusetts-Amherst complete their degree, 34% above the national average. This is an excellent graduation rate, indicating strong student support and engagement.

First-year retention rate: 91.9% (13% above the national average). A retention rate above 90% signals high student satisfaction and strong first-year experience programs.

Graduates of University of Massachusetts-Amherst earn a median salary of $71,631 ten years after enrollment, 75% above the national average. This represents a $36,631/year earnings premium over the average high school diploma holder, or $1,098,930 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $22,763, 6% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $247/month, with a total repayment of $29,640 (including $6,877 in interest).

Debt-to-Earnings Ratio: 0.32x. 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 Massachusetts-Amherst pays for itself in approximately 2 years. This is an excellent return on investment.

Financial Aid Profile

19.9% of students at University of Massachusetts-Amherst receive Pell Grants (federal need-based aid for families earning under ~$60,000), 40% below the national average. A lower Pell rate suggests the student body skews toward higher-income families. Merit aid may be more prevalent than need-based aid.

46.6% of students take federal loans, near the national average. This is a moderate borrowing rate.

Average faculty salary: $14,663/month, 68% 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 Massachusetts-Amherst enrolls 23,671 undergraduate students. As a major university, University of Massachusetts-Amherst offers extensive resources, hundreds of student organizations, Division I athletics, and a vast alumni network.

Diversity Index: 64/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 57%, Hispanic 9%, Black 5%, Asian 14%.

University of Massachusetts-Amherst: Strong Academics, Good Earnings, and Affordable Tuition

Report Card: Overall Grade C

University of Massachusetts-Amherst receives an overall grade of C based on six dimensions:

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

College Analysis

University of Massachusetts-Amherst is a Public institution in Amherst, MA with approximately 23,671 students. Strong academic programs with a high graduation rate. Good earnings potential for graduates, with a median salary of $71,631 after 10 years. Affordable tuition for in-state students, with an affordability score of 90. Diverse student body with a significant proportion of Asian students.

The Verdict: Is University of Massachusetts-Amherst Worth It?

For in-state students, the University of Massachusetts-Amherst is unequivocally a **good deal** and a hidden gem. With an in-state tuition of $17,772 and a median 10-year earnings of $71,631, the return on investment is substantial. An in-state graduate with the median debt of $22,763 could realistically pay off their loans in just 3-4 years, assuming a reasonable portion of their income is dedicated to debt repayment. This makes UMass Amherst an outstanding value proposition for Massachusetts residents seeking a high-quality public education with strong career outcomes. For out-of-state students, the value proposition is still strong, but requires a more careful consideration. At $40,449 for out-of-state tuition, the cost is significantly higher, yet the median earnings remain the same. While the ROI is still positive, the debt payoff timeline would extend to 5-6 years or more, depending on individual spending habits. However, given its R1 research status, strong academic programs (especially in Computer Science, Engineering, and Business), and robust alumni network, UMass Amherst still offers competitive value compared to many private institutions or other flagship publics at similar price points. Overall, UMass Amherst is a smart investment, particularly for in-state students, offering a clear path to career success without crippling debt. It's a **strong recommendation** for those seeking a comprehensive university experience with excellent post-graduation prospects.

Return on Investment

The degree from UMass-Amherst is worth the cost, given the strong academic programs, good earnings potential, and affordable tuition for in-state students.

Debt Reality Check

Median student debt at University of Massachusetts-Amherst: $22,763. Monthly payment on a standard 10-year plan: $258/month. Total repaid: $30,960 ($8,197 in interest).

Breakeven vs high school diploma: 0.5 years. Debt burden: Low. Salary needed for comfortable repayment: $30,960.

Strengths

  • Strong academic programs and high graduation rate.
  • Good earnings potential for graduates.
  • Affordable tuition for in-state students.

Weaknesses

  • Moderate admission rate compared to some peer institutions.
  • Diverse student body may not be ideal for students seeking a more homogeneous environment.

Academic Profile

SAT Average: 1423. ACT Midpoint: 31. Retention Rate: 91.9%.

UMass Amherst, as a public R1 research institution, offers a robust and diverse academic landscape with particular strengths in several key areas. The university is home to highly-ranked programs that attract top talent and significant research funding. The Isenberg School of Management is consistently recognized for its undergraduate and graduate programs, particularly in areas like accounting, finance, and hospitality & tourism management. Students benefit from hands-on learning, strong career services, and a vast alumni network. The College of Engineering is another powerhouse, with strong departments in Civil, Environmental, Mechanical, Chemical, and Computer Systems Engineering, known for their rigorous curricula and cutting-edge research opportunities. Computer Science, housed within the College of Information and Computer Sciences, is exceptionally strong and highly competitive, attracting students interested in AI, cybersecurity, and data science.

Beyond these, UMass excels in the College of Natural Sciences, particularly in Food Science, Polymer Science, Environmental Science, and Kinesiology. The university's commitment to research is evident across all disciplines, with extensive opportunities for undergraduates to engage in faculty-led projects, often culminating in presentations at the annual UMass Undergraduate Research Conference. The Institute for Applied Life Sciences (IALS) is a prime example of interdisciplinary research, bringing together faculty from various departments to tackle grand challenges in health and disease. Faculty quality is generally high, with many professors being leaders in their respective fields, actively publishing and securing grants, which enriches the classroom experience with current research and real-world applications.

A unique academic advantage is the Five College Consortium, allowing UMass students to take courses at Amherst, Hampshire, Mount Holyoke, and Smith Colleges at no additional tuition cost. This significantly expands course offerings and provides access to a broader range of faculty and perspectives. The Commonwealth Honors College is a highly selective program for high-achieving students, offering smaller, seminar-style classes, dedicated advising, priority registration, and the opportunity to complete an honors thesis. This provides a 'small college' experience within a large university. Academic support is comprehensive, including the Learning Resource Center for tutoring and academic coaching, a robust Writing Center, and departmental advising. Study abroad programs are extensive, with options in over 60 countries, encouraging global engagement and diverse learning experiences.

Financial Aid Guide for University of Massachusetts-Amherst

Pell Grant recipients: 19.9%. Students taking federal loans: 46.6%.

Navigating financial aid at UMass Amherst, a large public university, requires a strategic approach, especially given the significant difference between in-state ($17,772) and out-of-state ($40,449) tuition. For merit-based aid, UMass Amherst offers some scholarships, but they are highly competitive and primarily target top-tier applicants, particularly out-of-state students with exceptional academic profiles. Examples include the Chancellor's Award or Dean's Scholarship, which might range from $5,000 to $15,000 annually, but full-ride merit scholarships are rare. In-state students with strong academic records may also receive smaller merit awards, but the bulk of aid for Massachusetts residents is typically need-based.

Need-based aid is the primary form of assistance. To be considered, students must complete the FAFSA and, for some institutional aid, the CSS Profile. Aid packages for in-state students from lower to middle-income families often include a combination of federal and state grants (like the Pell Grant or Massachusetts State Grant), institutional grants, federal work-study, and federal student loans. For example, a Massachusetts resident with a family income around $60,000 might receive $5,000-$8,000 in grants, $3,000-$5,000 in work-study, and $5,500 in federal student loans, significantly reducing the out-of-pocket cost. For out-of-state students, need-based aid is more limited, often consisting primarily of federal loans and potentially some institutional grants if their financial need is exceptionally high and their academic profile is stellar. The median debt for UMass Amherst graduates is $22,763, reflecting the reliance on loans for many students.

Work-study is available and can be a valuable way to earn money for personal expenses while gaining experience. Students typically work 8-12 hours per week in various campus departments. Scholarship tips include applying early, thoroughly researching departmental scholarships (which often have separate applications), and actively seeking external scholarships from private organizations. While it's always worth asking, negotiating financial aid at UMass Amherst is generally difficult. As a public institution, their aid budgets are often fixed, and there's less flexibility compared to private universities. Your best bet for maximizing aid is to submit all forms accurately and on time, and to have a strong academic record to be considered for any available merit funds.

Hidden Costs at University of Massachusetts-Amherst

  • Beyond tuition, expect to pay approximately $16,000-$18,000 annually for on-campus room and board, which includes a standard meal plan.
  • Textbooks and course materials can add an estimated $1,200-$1,500 per year, though digital options and used books can help reduce this.
  • Mandatory university fees, covering things like student activities, health services, and technology, typically total around $3,000-$4,000 annually.
  • Personal expenses, including toiletries, entertainment, and incidentals, can easily amount to $2,000-$3,000 per year.
  • Transportation costs, whether for parking a car ($300-$500/year for a permit) or travel home, should be budgeted for, even with the free Five College bus system.
  • Health insurance is mandatory; if you're not covered by a family plan, the university's student health insurance plan costs approximately $3,000-$4,000 per year.
  • For students living off-campus after freshman year, rent in Amherst and surrounding towns can range from $600-$1,000 per month per person, plus utilities.

Alumni Outcomes & Career Paths

Graduates from the University of Massachusetts-Amherst are well-positioned for success, particularly within the robust New England job market and beyond. The university's strong academic programs and active career services cultivate a diverse range of career paths. Major employers that consistently recruit UMass Amherst talent include tech giants like Google, Amazon, and Microsoft, especially for Computer Science and Engineering graduates. Financial services firms such as Fidelity Investments, PwC, and Liberty Mutual are frequent destinations for Isenberg School of Management alumni. Healthcare systems like Mass General Brigham, Dana-Farber Cancer Institute, and CVS Health actively seek graduates from nursing, public health, and pre-med tracks. Engineering firms like Raytheon Technologies, General Electric, and Lockheed Martin also have strong pipelines to UMass Amherst. Alumni cluster significantly in industries such as technology (software development, data analytics), healthcare (nursing, research, administration), finance (investment banking, accounting), education, and engineering. While specific graduate school placement rates vary by program, UMass Amherst boasts a strong track record, with many students pursuing advanced degrees at institutions like Harvard, MIT, Boston University, and top-tier law and medical schools. The university's Career Services office is highly rated, offering extensive resources including resume and cover letter reviews, mock interviews, career fairs (attracting hundreds of employers annually), and networking events. Internship pipelines are robust, with students securing opportunities at companies across Massachusetts and the Northeast, often leveraging the university's proximity to Boston. Geographically, a significant portion of graduates remain in Massachusetts, particularly in the Boston metropolitan area, followed by New York City and other major East Coast cities. However, the UMass Amherst brand carries national recognition, leading to hiring patterns that extend across the country, especially for in-demand fields.

Campus Life & Culture at University of Massachusetts-Amherst

UMass Amherst attracts a large, diverse student body, with a significant proportion of in-state students (around 70%) complemented by a growing number of out-of-state and international students. The campus thrives with individuals from various socioeconomic, ethnic, and geographic backgrounds. The ideal UMass student is independent, enjoys a bustling social environment, is eager to engage in a wide array of extracurriculars, and can navigate a large, dynamic university setting while pursuing rigorous academics.

Life at UMass Amherst is a vibrant, high-energy experience characteristic of a large, flagship public university. The campus culture is one of strong school spirit, particularly around athletics, and a palpable sense of community that belies its size. Students often refer to themselves as 'Minutemen' or 'Minutewomen,' embracing the university's identity. The social scene is incredibly diverse, offering something for everyone. On-campus, there are hundreds of student organizations, from academic clubs and cultural associations to intramural sports and performance groups, making it easy to find your niche. Greek life is present, with about 10-15% of students participating, providing another social avenue without dominating the campus. Weekends often feature Division I athletic events, especially hockey and basketball games at the Mullins Center, which draw enthusiastic crowds. Beyond campus, the town of Amherst itself is a quintessential college town, offering cafes, shops, and restaurants, while the nearby city of Northampton provides a more eclectic arts and music scene, easily accessible via the free Five College bus system.

Housing for freshmen is a defining part of the UMass experience, with distinct residential areas each having its own personality. Southwest is known for its lively, social atmosphere, often described as the 'party dorms,' while Northeast offers a quieter, more traditional residential feel. Central is a mix, and Orchard Hill provides a more secluded, community-oriented vibe. The Commonwealth Honors College has its own dedicated residential complex, offering a more academically focused living environment. After freshman year, many students transition to off-campus housing in Amherst or surrounding towns, which can be a significant part of the social experience. Dining at UMass Amherst is consistently ranked among the best in the nation, with four award-winning dining commons (Berkshire, Worcester, Hampshire, Franklin) offering an incredible variety of fresh, high-quality food, including extensive vegan, vegetarian, and allergen-friendly options. This isn't your typical college food; it's a major selling point. Campus traditions include Homecoming, the annual Spring Concert, and various spirit events throughout the year. The campus itself is beautiful, featuring the iconic W. E. B. Du Bois Library (one of the tallest academic libraries in the world), a picturesque pond, and the state-of-the-art UMass Recreation Center, a hub for fitness and wellness. The general 'vibe' is one of independence, engagement, and a strong sense of belonging within a large, dynamic community.

Campus Highlights

  • The Five College Consortium: Access to courses and resources at Amherst, Hampshire, Mount Holyoke, and Smith Colleges.
  • Nationally Ranked Dining: Consistently recognized as one of the best college dining programs in the U.S. for quality and variety.
  • Commonwealth Honors College: A highly selective 'college within a college' offering a rigorous, small-class experience.
  • R1 Research Institution: Extensive undergraduate research opportunities across all disciplines, fostering innovation and discovery.
  • The W. E. B. Du Bois Library: The tallest academic library in the world, offering vast resources and iconic campus views.
  • Vibrant Social Scene: Known for its lively Southwest residential area, strong Division I athletics, and diverse student organizations.
  • UMass Recreation Center: A state-of-the-art facility offering extensive fitness, wellness, and intramural sports options.

Location & Regional Advantages

The University of Massachusetts-Amherst, nestled in the picturesque Pioneer Valley of Western Massachusetts, offers a unique blend of academic excellence and quality of life, though its immediate local job market is primarily academic-centric. Amherst itself is a vibrant college town, part of the Five College Consortium, which enriches the cultural and intellectual environment. While direct corporate job opportunities in Amherst are limited, the region's primary advantage lies in its strategic proximity to major industry hubs. Boston is just a two-hour drive east, and New York City is approximately three hours south, making these metropolitan areas highly accessible for internships, networking, and post-graduation employment. This allows students to enjoy a more affordable cost of living in Western Massachusetts compared to the high costs of Boston or NYC, while still tapping into those lucrative job markets. The quality of life in Amherst is high, characterized by scenic beauty, a strong sense of community, and abundant outdoor recreational opportunities. The area experiences four distinct seasons, including beautiful fall foliage and snowy winters, which appeal to those who appreciate varied climates. Safety is generally excellent, reflecting the low crime rates typical of a college town. For career opportunities post-graduation, the location necessitates a proactive approach. While some local opportunities exist in education, healthcare, and small businesses, the vast majority of UMass Amherst graduates seeking corporate or specialized roles will need to leverage the university's connections to Boston, Hartford, or New York. This means students should be prepared for commutes for internships or to relocate after graduation, but the strong alumni network in these cities significantly eases this transition.

How to Get Into University of Massachusetts-Amherst

Gaining admission to UMass Amherst, with its 59.7% admission rate, requires a strong application that highlights both academic prowess and personal qualities. For prospective students, applying Early Action (EA) by the November 1st deadline is highly recommended. While UMass doesn't offer Early Decision, EA demonstrates significant interest and provides an earlier decision, which can be a strategic advantage. The admissions office values a rigorous high school curriculum, strong grades, and a compelling narrative.

While UMass Amherst is test-optional, competitive applicants who choose to submit scores typically have SATs in the 1200-1400 range or ACTs in the 27-32 range. However, a strong GPA (ideally 3.7+ unweighted in a challenging curriculum, including AP/IB courses) is paramount. Admissions officers look for students who have pushed themselves academically and performed well. Your essay is a critical component; it's your chance to showcase your personality, intellectual curiosity, and what makes you unique. Successful essays often connect your experiences or aspirations directly to UMass Amherst, demonstrating specific reasons why you want to attend beyond its reputation. Avoid generic essays; instead, focus on authentic stories or insights that reveal your character and potential contributions to the campus community.

Demonstrated interest is important. Beyond applying EA, this can include visiting campus (virtually or in person), attending information sessions, or engaging with admissions representatives. While not a make-or-break factor, it can tip the scales for borderline applicants. Extracurricular involvement that shows leadership, commitment, and genuine passion is also valued. The admissions committee seeks students who will contribute actively to the vibrant campus life. For the timeline, aim to have your application, transcripts, and any optional test scores submitted well before the November 1st EA deadline. Regular Decision applications are due by January 15th, but EA applicants often receive priority consideration and earlier notification, allowing for more time to make an informed decision.

How University of Massachusetts-Amherst Compares to Similar Schools

Similar schools: University of Connecticut (UConn), University of New Hampshire (UNH), Binghamton University (SUNY), University of Rhode Island (URI)

Advantages

  • As the flagship public university of Massachusetts, UMass Amherst often benefits from greater state funding and a more prominent reputation within the region compared to some peers.
  • Stronger research focus and R1 classification, offering more extensive undergraduate research opportunities and advanced facilities.
  • The Five College Consortium (with Amherst, Smith, Mount Holyoke, and Hampshire Colleges) provides unparalleled academic and social enrichment, allowing students to take courses and access resources at other top liberal arts institutions.
  • A more vibrant and diverse campus culture, often cited for its lively social scene and extensive student organizations.

Disadvantages

  • Geographic isolation from major metropolitan job markets compared to more urban-situated peers like UMass Boston or even UConn (closer to Hartford/NYC).
  • Out-of-state tuition can be higher than some comparable public universities in neighboring states, making it a more significant financial commitment for non-residents.

Best For

  • Best for students seeking a diverse academic experience and good earnings potential.
  • Best for in-state students looking for affordable tuition.

Avoid If

  • Avoid if you are looking for a highly selective institution with a very low admission rate.
  • Avoid if you are seeking a smaller campus experience.

Frequently Asked Questions about University of Massachusetts-Amherst

How much does it cost to attend University of Massachusetts-Amherst?

In-state tuition at University of Massachusetts-Amherst is $17,772 per year, and out-of-state tuition is $40,449 per year. The median student debt at graduation is $22,763.

What is the acceptance rate at University of Massachusetts-Amherst?

University of Massachusetts-Amherst has an acceptance rate of 59.7%.

What is the graduation rate at University of Massachusetts-Amherst?

University of Massachusetts-Amherst has a graduation rate of 83.2%.

How much do University of Massachusetts-Amherst graduates earn?

The median earnings for University of Massachusetts-Amherst graduates 10 years after enrollment is $71,631. With median debt of $22,763, graduates earn roughly 3.1x their debt level annually.

How big is University of Massachusetts-Amherst?

University of Massachusetts-Amherst has approximately 23,671 students and is classified as a large institution. It is located in Amherst, MA and is a Public institution.

Is University of Massachusetts-Amherst worth the cost?

University of Massachusetts-Amherst has an ROI score of 1 out of 100. With in-state tuition of $17,772 per year and median post-graduation earnings of $71,631, the data suggests the return on investment may be below average.

Where is University of Massachusetts-Amherst located?

University of Massachusetts-Amherst is located in Amherst, MA. It is a Public institution with approximately 23,671 students.

How much student debt do University of Massachusetts-Amherst graduates have?

The median student debt for University of Massachusetts-Amherst graduates is $22,763. With median earnings of $71,631 ten years after enrollment, graduates can expect a debt-to-income ratio of 32%.

Is University of Massachusetts-Amherst a good college?

University of Massachusetts-Amherst has a graduation rate of 83.2% and median post-graduation earnings of $71,631. High graduation rate of 83.21%.

How does University of Massachusetts-Amherst compare to similar colleges?

Median earnings of $71,631 after 10 years. Compared to peer institutions, UMass-Amherst offers a strong academic experience with good earnings potential and affordable tuition, making it a competitive choice.

What career prospects do University of Massachusetts-Amherst graduates have?

Graduates from UMass-Amherst are well-prepared for careers in a variety of fields, with a median salary of $71,631 after 10 years.

What should prospective students know about University of Massachusetts-Amherst?

UMass-Amherst is well-positioned in the market as a public university offering strong academic programs and good value for money.

What makes University of Massachusetts-Amherst stand out?

Affordable in-state tuition of $17,772.

What are the pros and cons of attending University of Massachusetts-Amherst?

Diverse student body with 57.15% white, 4.55% black, 9.13% Hispanic, and 13.74% Asian students.

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