CollegeTuitionData — College Data in Plain English

Xavier University

Cincinnati, OH 45207-1092 — Private Nonprofit

Value Score: 70/100 | ROI Score: -68 | Affordability Score: 55/100

Tuition (In-State): $50,640 | Out-of-State: $50,640

Acceptance Rate: 86.4% | Graduation Rate: 69.5% | Retention Rate: 77.5%

Median Earnings (10yr): $64,873 | Median Debt: $23,250

SAT Average: 1217 | ACT Midpoint: 25

Student Body Size: 4,207 (medium)

Pell Grant Recipients: 16.3% | Federal Loan Rate: 52.5%

Average Faculty Salary: $9,257/month

Tuition & Affordability Analysis

In-state tuition at Xavier University is $50,640 per year, which is 29% above the national average for private institutions.

Out-of-state students pay $50,640/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.

Estimated four-year tuition cost: $202,560 (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 Xavier University:

  • Families earning $0–$30,000: $26,728/year
  • Families earning $30,001–$48,000: $28,201/year
  • Families earning $48,001–$75,000: $32,175/year
  • Families earning $75,001–$110,000: $33,824/year
  • Families earning $110,000+: $35,451/year

Low-income families receive an average discount of $23,912/year, paying just 53% of the sticker price.

Admissions Snapshot

Xavier University has an acceptance rate of 86.4%, placing it in the Open Admission (85%+) category. This means roughly 1,217 students apply each year.

Xavier University accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

The average SAT score of admitted students is 1217, 15% above the national average. This reflects a strong academic student body.

The ACT midpoint is 25, 19% above the national average.

Graduate Outcomes & Return on Investment

69.5% of students at Xavier University complete their degree, 12% above the national average. This is a solid graduation rate.

First-year retention rate: 77.5% (4% below the national average). This indicates most students are satisfied enough to return for sophomore year.

Graduates of Xavier University earn a median salary of $64,873 ten years after enrollment, 59% above the national average. This represents a $29,873/year earnings premium over the average high school diploma holder, or $896,190 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $23,250, 8% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $252/month, with a total repayment of $30,240 (including $6,990 in interest).

Debt-to-Earnings Ratio: 0.36x. 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 Xavier University pays for itself in approximately 7 years. This is a reasonable investment timeline.

Financial Aid Profile

16.3% of students at Xavier University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 51% 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.

52.5% of students take federal loans, 12% above the national average. This is a moderate borrowing rate.

Average faculty salary: $9,257/month, 6% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Xavier University enrolls 4,207 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 45/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 73%, Hispanic 7%, Black 12%, Asian 2%.

Xavier University: Medium-Sized Private Institution with Strong Career Outcomes

Report Card: Overall Grade D+

Xavier University receives an overall grade of D+ based on six dimensions:

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

College Analysis

Xavier University is a Private Nonprofit institution in Cincinnati, OH with approximately 4,207 students. Xavier University has a high admission rate and a medium-sized student body, which may contribute to a supportive academic environment. The median earnings 10 years after graduation are above the national average, indicating strong career outcomes. The university has a relatively low affordability score, suggesting that the cost of attendance is high compared to its value.

The Verdict: Is Xavier University Worth It?

Based on the data, Xavier University presents a complex value proposition that leans towards being **overpriced for the average student**, especially considering its high tuition and the reported ROI score. With an annual tuition of $50,640 and a median debt of $23,250, students are taking on a significant financial burden. While the median earnings 10 years after graduation ($64,873) are respectable, they don't always justify the initial investment for every major or career path. The negative ROI score of -68 further underscores that, for many, the financial return on investment may not be as strong as desired. To put it in perspective, a student graduating with $23,250 in debt would need to dedicate a substantial portion of their early career earnings to repayment, especially when factoring in interest. While the Jesuit education and strong regional network offer intangible benefits, the sticker price is steep. For students who aggressively leverage Xavier's career services, pursue high-demand majors like nursing or finance, and secure well-paying jobs in Cincinnati, the investment can pay off. However, for those in less lucrative fields or who don't fully engage with career resources, the cost can be a significant hurdle. **Recommendation:** Xavier University is a good choice for students who are certain about their career path in high-demand fields, are committed to utilizing the strong Cincinnati job market, and can secure substantial financial aid or scholarships to reduce the sticker price. For others, it's crucial to carefully weigh the high cost against potential earnings and explore more affordable alternatives.

Return on Investment

While the degree from Xavier University is valuable, the high cost of attendance and median debt suggest that the return on investment may not be as strong as at some other institutions.

Debt Reality Check

Median student debt at Xavier University: $23,250. Monthly payment on a standard 10-year plan: $264/month. Total repaid: $31,680 ($8,430 in interest).

Breakeven vs high school diploma: 0.7 years. Debt burden: Low. Salary needed for comfortable repayment: $31,680.

Strengths

  • Strong career outcomes with above-average earnings 10 years after graduation.
  • Supportive academic environment with a high admission rate.

Weaknesses

  • Higher tuition and median debt compared to some peer institutions.
  • Lower graduation rate compared to the national average.

Academic Profile

SAT Average: 1217. ACT Midpoint: 25. Retention Rate: 77.5%.

Xavier University's academic profile is characterized by its rigorous liberal arts core, professional preparation, and the distinctive Jesuit emphasis on educating the whole person – 'cura personalis.' While the student-faculty ratio isn't provided, the Jesuit tradition prioritizes accessible faculty and a teaching-focused environment, meaning students often benefit from close mentorship and smaller class sizes. The Williams College of Business is a major strength, offering highly regarded programs in Finance, Marketing, Accounting, and Sports Management, often leveraging Cincinnati's robust corporate landscape for internships and experiential learning. Health Sciences are another cornerstone, with competitive programs in Nursing, Occupational Therapy, Physical Therapy, and Radiologic Technology, benefiting from state-of-the-art facilities and clinical partnerships. The College of Arts and Sciences provides a strong foundation in disciplines like Biology, Psychology, and Communication Arts, while the College of Professional Sciences houses excellent programs in Education and Criminal Justice. Undergraduate research is actively encouraged across all disciplines, with opportunities to collaborate directly with faculty on projects, often culminating in presentations or publications. The Summer Undergraduate Research Program (SURP) is a notable initiative providing stipends and housing for students engaged in intensive research. High-achieving students can pursue the University Scholars Program, an interdisciplinary honors curriculum, or departmental honors within their major. Study abroad is popular, with numerous programs available through Xavier's own offerings and its extensive network of Jesuit universities worldwide. Academic support is robust, including the Learning Assistance Center for tutoring and academic coaching, a dedicated Writing Center, and comprehensive career development services that begin early in a student's academic journey. The core curriculum, rooted in Jesuit values, ensures all graduates develop critical thinking, ethical reasoning, and a commitment to social justice, regardless of their major.

Financial Aid Guide for Xavier University

Pell Grant recipients: 16.3%. Students taking federal loans: 52.5%.

Navigating financial aid at Xavier University, with a tuition of $50,640, requires a strategic approach. As a private institution with an 86.4% admission rate, Xavier is known for offering substantial merit-based scholarships to attract strong students. These scholarships are typically awarded based on academic achievement (GPA, rigor of high school curriculum) and, if submitted, standardized test scores. While specific ranges vary, competitive applicants can expect merit awards ranging from $10,000 to $25,000 annually, with top-tier scholarships like the Presidential Scholarship covering a significant portion of tuition. To be considered for the widest range of aid, students must complete the FAFSA (Free Application for Federal Student Aid) and, for some institutional grants, potentially the CSS Profile. Need-based aid can include federal Pell Grants (up to $7,395 for 2023-24), Federal Supplemental Educational Opportunity Grants (FSEOG), and Xavier's own institutional grants. Federal Direct Loans are also a common component, with first-year students eligible for up to $5,500. Work-study opportunities are available for students demonstrating financial need, allowing them to earn money through part-time campus jobs. For a middle-income family, a typical aid package might combine a $15,000-$20,000 merit scholarship with $5,500 in federal loans and potentially a small institutional grant, leaving a significant gap. Scholarship tips include applying early (by the Early Action deadline), showcasing leadership and service in your application, and actively searching for external scholarships. While Xavier's financial aid office is generally helpful, negotiating aid is possible, especially if you have a strong academic profile and competing offers from comparable institutions. It's best to approach this conversation respectfully, providing documentation of other offers, and focusing on your genuine desire to attend Xavier.

Hidden Costs at Xavier University

  • Beyond the stated tuition, expect to pay approximately $14,000-$16,000 annually for on-campus housing and a standard meal plan, which is not included in the tuition figure.
  • Textbooks and course materials can add an estimated $1,000-$1,200 per year, though costs can be reduced by renting or buying used.
  • Student fees, covering things like technology, health services, and student activities, typically range from $500-$800 annually and are separate from tuition.
  • Personal expenses, including laundry, toiletries, entertainment, and occasional off-campus dining, can easily amount to $1,500-$2,500 per year.
  • Transportation costs, whether for parking a car on campus (permits can be $200-$400 annually), ride-sharing, or flights home, should be budgeted for, potentially $500-$1,500 depending on distance.
  • Health insurance is mandatory; if you're not covered by a family plan, Xavier offers a student health insurance plan that can cost around $2,500-$3,000 per year.

Alumni Outcomes & Career Paths

Xavier University graduates are well-positioned within the regional job market, particularly in Cincinnati and the broader Ohio Valley, thanks to strong local industry connections and a dedicated career development infrastructure. Major employers actively recruiting Xavier alumni include Procter & Gamble, The Kroger Co., Fifth Third Bank, GE Aerospace, Cincinnati Children's Hospital Medical Center, Mercy Health, TriHealth, and Deloitte. These companies frequently seek graduates for roles in finance, marketing, supply chain management, human resources, and various healthcare professions.

Alumni tend to cluster in several key industries. Healthcare is a dominant sector, with many graduates pursuing careers as nurses, physical therapists, physician assistants, and medical researchers, often staying within Cincinnati's robust hospital systems. The financial services industry also sees a significant number of Xavier alumni, working in banking, investment management, and corporate finance. Consumer packaged goods (CPG) and manufacturing are other strongholds, leveraging Cincinnati's status as a hub for companies like P&G and GE. Education and non-profit sectors also attract a steady stream of graduates, reflecting Xavier's Jesuit mission of service.

For those pursuing advanced degrees, Xavier boasts a commendable graduate school placement rate, especially in health sciences. Many students gain admission to medical schools, law schools, and competitive graduate programs in fields like psychology, business, and education. The university's pre-professional advising is a key factor in this success.

Xavier's Career Development Center plays a crucial role, offering personalized advising, resume workshops, mock interviews, and hosting multiple career fairs throughout the year. They actively facilitate internship pipelines, with a strong emphasis on connecting students with Cincinnati-based companies for experiential learning opportunities. This local focus ensures that students gain practical experience directly relevant to the region's employment landscape.

Geographically, the vast majority of Xavier graduates initially find employment within Ohio, Kentucky, and Indiana, with Cincinnati serving as the primary magnet. However, a notable percentage also secure positions in major Midwest cities like Chicago, Indianapolis, Columbus, and Louisville. While the regional network is robust, Xavier alumni can be found in diverse roles across the country, particularly in larger metropolitan areas where the Jesuit educational brand is recognized.

Campus Life & Culture at Xavier University

Xavier's student body is predominantly drawn from Ohio, Kentucky, and Indiana, creating a strong regional identity, though students come from across the U.S. and internationally. While welcoming to all faiths, there's a notable Catholic presence, contributing to the university's service-oriented culture. The kind of student who thrives here is engaged, community-minded, values a challenging academic environment, and appreciates the balance of a traditional campus experience with access to a vibrant city.

Life at Xavier University is deeply shaped by its Jesuit Catholic identity, fostering a strong sense of community, service, and intellectual curiosity. The 'All For One' spirit is palpable, especially around Division I athletics. Basketball is king here, with the Cintas Center becoming a sea of blue and white during Big East games – a truly electric atmosphere that unites the campus. Beyond sports, the social scene is vibrant and student-driven. The Gallagher Student Center is the hub for student organizations, events, and casual meet-ups. With over 100 student clubs, from academic and service groups to cultural and special interest organizations, there's a niche for everyone. Greek life is present, with about 20% of students participating, focusing heavily on philanthropy and community building rather than being the sole social outlet. Many social events, like X-Fest (a spring concert) and Midnight Madness (kick-off to basketball season), are campus-wide and highly anticipated. First-year students are required to live on campus, typically in traditional residence halls like Brockman or Husman, which are known for fostering close-knit communities. Upperclassmen have a variety of options, including apartment-style living on campus or off-campus housing in nearby Norwood, Oakley, or Hyde Park, which offer a mix of local shops, restaurants, and entertainment. Dining options are plentiful, with the main dining halls (Hoffmann and Gallagher) offering diverse choices, alongside retail options like Starbucks and Subway. The campus itself is beautiful and walkable, blending historic architecture with modern facilities. Students often gather on the academic mall or around Bellarmine Chapel, a central spiritual and architectural landmark. The overall vibe is one of engaged learning, spirited community, and a commitment to making a difference, all within the dynamic backdrop of Cincinnati.

Campus Highlights

  • The strong Jesuit identity, emphasizing service, social justice, and the development of the whole person.
  • Electric Division I Big East basketball games at the Cintas Center, fostering immense school spirit.
  • Highly regarded professional programs in Business, Nursing, and Health Sciences with strong career outcomes.
  • A beautiful, walkable campus that blends historic charm with modern facilities, creating a welcoming environment.
  • A vibrant, close-knit community feel, despite being located in a major metropolitan area (Cincinnati).
  • The 'All For One' motto and spirit, which permeates campus life, encouraging collaboration and mutual support.
  • Extensive opportunities for undergraduate research and experiential learning across all disciplines.

Location & Regional Advantages

Xavier University's location in Cincinnati, Ohio, offers significant geographic advantages that directly impact career opportunities and quality of life for its students and graduates. Cincinnati boasts a diverse and robust local job market, particularly strong in healthcare, financial services, consumer packaged goods (CPG), and advanced manufacturing. Major corporate headquarters like Procter & Gamble, Kroger, Fifth Third Bank, and GE Aerospace are within easy reach, providing unparalleled access to internships and entry-level positions. This proximity means students can gain valuable experience without needing to relocate, fostering strong professional networks before graduation.

The cost of living in Cincinnati is generally more affordable than many other major U.S. cities, allowing graduates to stretch their entry-level salaries further and manage student debt more effectively. This affordability, combined with a vibrant urban environment, contributes to a high quality of life. Cincinnati offers a rich cultural scene with museums, theaters, a thriving food scene, and professional sports teams (Bengals, Reds, FC Cincinnati). The city's numerous parks and the scenic Ohio River provide ample recreational opportunities.

Cincinnati experiences four distinct seasons: warm, humid summers; crisp, colorful autumns; cold, snowy winters; and mild, rainy springs. While winters can be chilly, the changing seasons add to the region's appeal for many. In terms of safety, Xavier's campus is generally considered safe, with dedicated campus police and security measures. Like any urban environment, students are advised to be aware of their surroundings when venturing off-campus, but the university is situated in a well-established residential area.

Ultimately, Xavier's location is a powerful asset. It provides a direct pipeline to a dynamic job market, a lower cost of living, and a high quality of life, all of which enhance post-graduation career prospects and overall satisfaction. The strong regional alumni network further amplifies these advantages, making Cincinnati a natural and beneficial launching pad for Xavier graduates.

How to Get Into Xavier University

Given Xavier University's 86.4% admission rate, it's considered a 'more selective' school where a strong application is important, but not overwhelmingly competitive. The admissions office employs a holistic review process, valuing not just academic achievement but also extracurricular involvement, leadership, community service, and alignment with Xavier's Jesuit mission. Applying Early Action (EA), typically by December 1st, is highly recommended. EA demonstrates strong interest and often results in earlier admission decisions and potentially better consideration for merit scholarships. While test scores are often optional, submitting strong SAT/ACT scores can bolster your application, especially if your GPA is on the lower end of the competitive range. A competitive applicant typically has a B to B+ average (unweighted GPA of 3.0-3.5 or higher) in a rigorous high school curriculum, including AP/IB courses. For your essay, focus on topics that reveal your authentic self, your intellectual curiosity, or how you've overcome challenges. Essays that connect your values to Xavier's mission of service and 'cura personalis' (care for the whole person) can be particularly impactful. Demonstrated interest is moderately important here; visiting campus, attending virtual information sessions, or engaging with an admissions counselor can show your genuine enthusiasm. Ensure your application highlights any leadership roles, volunteer work, or unique talents. The timeline is crucial: aim to submit your application and all supporting materials well before the EA deadline, and ensure your FAFSA is completed as soon as it opens in October to maximize financial aid consideration.

How Xavier University Compares to Similar Schools

Similar schools: University of Dayton, Creighton University, Loyola University Chicago, Butler University

Advantages

  • Stronger direct pipeline to Cincinnati's major corporate and healthcare employers due to its immediate location.
  • More intimate campus community and personalized attention due to its slightly smaller size compared to some peers.
  • Renowned D1 basketball program fosters a strong sense of school spirit and community engagement.
  • Deeply integrated Jesuit values provide a distinct educational philosophy focused on service and ethical leadership.

Disadvantages

  • Higher sticker price tuition compared to some regional public universities or even some private peers offering similar outcomes.
  • Less national brand recognition compared to larger Jesuit institutions like Loyola Chicago, potentially limiting immediate post-graduation mobility outside the Midwest.
  • Geographic focus on Cincinnati, while an advantage for local jobs, might be a disadvantage for students seeking immediate employment in other major U.S. cities.

Best For

  • Prospective students who prioritize affordability may want to consider other options.
  • Students seeking a larger campus with more diverse extracurricular activities might find other institutions more suitable.

Avoid If

  • Students looking for a more affordable education might want to explore other private institutions or public universities.
  • Those seeking a higher graduation rate might consider institutions with a higher completion rate.

Frequently Asked Questions about Xavier University

How much does it cost to attend Xavier University?

In-state tuition at Xavier University is $50,640 per year, and out-of-state tuition is $50,640 per year. The median student debt at graduation is $23,250.

What is the acceptance rate at Xavier University?

Xavier University has an acceptance rate of 86.4%.

What is the graduation rate at Xavier University?

Xavier University has a graduation rate of 69.5%.

How much do Xavier University graduates earn?

The median earnings for Xavier University graduates 10 years after enrollment is $64,873. With median debt of $23,250, graduates earn roughly 2.8x their debt level annually.

How big is Xavier University?

Xavier University has approximately 4,207 students and is classified as a medium institution. It is located in Cincinnati, OH and is a Private Nonprofit institution.

Is Xavier University worth the cost?

Xavier University has an ROI score of -68 out of 100. With in-state tuition of $50,640 per year and median post-graduation earnings of $64,873, the data suggests the return on investment may be below average.

Where is Xavier University located?

Xavier University is located in Cincinnati, OH. It is a Private Nonprofit institution with approximately 4,207 students.

How much student debt do Xavier University graduates have?

The median student debt for Xavier University graduates is $23,250. With median earnings of $64,873 ten years after enrollment, graduates can expect a debt-to-income ratio of 36%.

Is Xavier University a good college?

Xavier University has a graduation rate of 69.5% and median post-graduation earnings of $64,873. 72.6% of students are white, with a diverse representation of other ethnicities.

How does Xavier University compare to similar colleges?

The university has a high tuition rate, but the median earnings 10 years after graduation are above the national average. Compared to peer institutions, Xavier University offers strong career outcomes but has a higher cost of attendance and lower graduation rate.

What career prospects do Xavier University graduates have?

Graduates of Xavier University are well-positioned for careers, with above-average earnings potential.

What should prospective students know about Xavier University?

Xavier University holds a competitive position in the market, offering a mix of strong academic programs and career readiness.

What makes Xavier University stand out?

The graduation rate is 69.52%, which is slightly below the national average.

What are the pros and cons of attending Xavier University?

The median debt upon graduation is $23,250, which is average for private institutions.

Explore More

Colleges in Ohio

Browse all colleges in Ohio

Similar Schools

College Rankings

Research Tools

H-1B Visa Salary Data

Visit Xavier University official website

View on College Scorecard (Dept. of Education)

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