College Costs in St. Matthews, KY 2026
Compare tuition, housing, and financial aid across 2 colleges in St. Matthews, Kentucky. Use our free calculator to estimate your total cost.
Avg Public Tuition
$11,600
per year
Avg Private Tuition
$30,000
per year
Avg Rent Near Campus
$495
per month
Colleges & Universities
2
institutions
St. Matthews Overview
Population
18,105
Student Population
2,316 (12.8%)
Cost of Living Index
86.9 (avg: 100)
Walk Score
40/100
Transit Score
21/100
Unemployment Rate
4.4%
College Cost Calculator for St. Matthews
Cost Inputs
Total Cost (4 Years, Public In-State)
$103,500
Total After Financial Aid
$103,500
Annual Cost
$25,875
Annual After Aid
$25,875
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $103,500 |
| Monthly Payment | $1,175 |
| Total Interest | $37,527 |
| Total Loan Cost | $141,027 |
Universities in St. Matthews
| University | Type | Annual Tuition |
|---|---|---|
| St. Matthews State University | Public | $12,660 |
| St. Matthews Community College | Community | $5,581 |
St. Matthews has 2 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in St. Matthews vs. National Average
| Category | St. Matthews | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $11,600 | $10,940 | +$660 |
| Monthly Rent Near Campus | $495 | $1,050 | -$555 |
| Cost of Living Index | 86.9 | 100 | -13.099999999999994 |
St. Matthews's cost of living is below the national average. This makes it a more affordable city for students compared to many other college towns.
Student Life in St. Matthews
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Student Population
2,316 students
St. Matthews has a total population of 18,105, with approximately 2,316 college students (12.8% of the population). St. Matthews has a significant student presence that contributes to a diverse cultural scene with restaurants, entertainment, and networking opportunities.
Post-Graduation Outlook in St. Matthews
$30,955
Starting Salary
4.4%
Unemployment Rate
61%
Graduation Rate
~0 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in St. Matthews earn a median starting salary of $30,955, which is -$4,045 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $103,500 (including room and board), it would take approximately 0 years of the salary premium to recoup the investment. With average financial aid of $11,699 per student per year, the net cost and payback period can be significantly reduced.
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