College Costs in Hagerstown, MD 2026
Compare tuition, housing, and financial aid across 2 colleges in Hagerstown, Maryland. Use our free calculator to estimate your total cost.
Avg Public Tuition
$10,800
per year
Avg Private Tuition
$42,000
per year
Avg Rent Near Campus
$957
per month
Colleges & Universities
2
institutions
Hagerstown Overview
Population
44,312
Student Population
3,035 (6.8%)
Cost of Living Index
108.4 (avg: 100)
Walk Score
49/100
Transit Score
25/100
Unemployment Rate
4.2%
College Cost Calculator for Hagerstown
Cost Inputs
Total Cost (4 Years, Public In-State)
$98,044
Total After Financial Aid
$98,044
Annual Cost
$24,511
Annual After Aid
$24,511
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $98,044 |
| Monthly Payment | $1,113 |
| Total Interest | $35,548 |
| Total Loan Cost | $133,592 |
Universities in Hagerstown
| University | Type | Annual Tuition |
|---|---|---|
| Hagerstown State University | Public | $9,907 |
| Hagerstown Community College | Community | $5,405 |
Hagerstown has 2 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in Hagerstown vs. National Average
| Category | Hagerstown | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $10,800 | $10,940 | -$140 |
| Monthly Rent Near Campus | $957 | $1,050 | -$93 |
| Cost of Living Index | 108.4 | 100 | +8.400000000000006 |
Hagerstown's cost of living is above the national average. Students should budget accordingly and consider off-campus housing options to reduce expenses.
Student Life in Hagerstown
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Student Population
3,035 students
Hagerstown has a total population of 44,312, with approximately 3,035 college students (6.8% of the population). While not primarily a college town, Hagerstown offers students access to urban amenities, diverse employment opportunities, and a wide range of cultural experiences.
Post-Graduation Outlook in Hagerstown
$46,960
Starting Salary
4.2%
Unemployment Rate
68%
Graduation Rate
~8 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in Hagerstown earn a median starting salary of $46,960, which is $11,960 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $98,044 (including room and board), it would take approximately 8 years of the salary premium to recoup the investment. With average financial aid of $13,478 per student per year, the net cost and payback period can be significantly reduced.
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