College Costs in Monterey, MA 2026
Compare tuition, housing, and financial aid across 2 colleges in Monterey, Massachusetts. Use our free calculator to estimate your total cost.
Avg Public Tuition
$16,100
per year
Avg Private Tuition
$48,000
per year
Avg Rent Near Campus
$1,740
per month
Colleges & Universities
2
institutions
Monterey Overview
Population
19,985
Student Population
1,678 (8.4%)
Cost of Living Index
129.6 (avg: 100)
Walk Score
35/100
Transit Score
24/100
Unemployment Rate
3.8%
College Cost Calculator for Monterey
Cost Inputs
Total Cost (4 Years, Public In-State)
$124,856
Total After Financial Aid
$124,856
Annual Cost
$31,214
Annual After Aid
$31,214
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $124,856 |
| Monthly Payment | $1,418 |
| Total Interest | $45,270 |
| Total Loan Cost | $170,126 |
Universities in Monterey
| University | Type | Annual Tuition |
|---|---|---|
| Monterey State University | Public | $15,340 |
| Monterey Community College | Community | $6,024 |
Monterey has 2 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in Monterey vs. National Average
| Category | Monterey | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $16,100 | $10,940 | +$5,160 |
| Monthly Rent Near Campus | $1,740 | $1,050 | +$690 |
| Cost of Living Index | 129.6 | 100 | +29.599999999999994 |
Monterey'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 Monterey
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Student Population
1,678 students
Monterey has a total population of 19,985, with approximately 1,678 college students (8.4% of the population). Monterey has a significant student presence that contributes to a diverse cultural scene with restaurants, entertainment, and networking opportunities.
Post-Graduation Outlook in Monterey
$51,636
Starting Salary
3.8%
Unemployment Rate
72%
Graduation Rate
~8 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in Monterey earn a median starting salary of $51,636, which is $16,636 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $124,856 (including room and board), it would take approximately 8 years of the salary premium to recoup the investment. With average financial aid of $10,778 per student per year, the net cost and payback period can be significantly reduced.
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