College Cost Planning in Stillwater, MN 2026
Estimate tuition, housing, financial aid, and payback using local planning benchmarks for Stillwater, Minnesota. Use the calculator to stress-test your net cost before borrowing.
Local Planning Model, Not a School Directory
DegreeCalc treats Stillwater as an education-cost market for tuition, rent, aid, and payback planning. We do not publish synthetic or unverified institution names on this page. Before applying, verify specific schools with NCES College Navigator, College Scorecard, official catalogs, and each school's net price calculator.
Avg Public Tuition
$14,200
per year
Avg Private Tuition
$38,000
per year
Avg Rent Near Campus
$870
per month
Local Cost Market
2
benchmark points
Stillwater Overview
Population
20,059
Student Population
2,536 (12.6%)
Cost of Living Index
92.1 (avg: 100)
Walk Score
42/100
Transit Score
20/100
Unemployment Rate
3%
College Cost Calculator for Stillwater
Cost Inputs
Total Cost (4 Years, Public In-State)
$108,780
Total After Financial Aid
$108,780
Annual Cost
$27,195
Annual After Aid
$27,195
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $108,780 |
| Monthly Payment | $1,235 |
| Total Interest | $39,441 |
| Total Loan Cost | $148,221 |
Education Cost Benchmarks in Stillwater
These are city-level planning estimates for tuition, housing, aid, and student costs. Use them for budgeting, then verify specific schools with NCES College Navigator, College Scorecard, and the institution's own net price calculator.
Institution count
2
Public tuition
$14,200
Private tuition
$38,000
Community college
$4,975
Cost of Living in Stillwater vs. National Average
| Category | Stillwater | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $14,200 | $10,940 | +$3,260 |
| Monthly Rent Near Campus | $870 | $1,050 | -$180 |
| Cost of Living Index | 92.1 | 100 | -7.900000000000006 |
Stillwater'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 Stillwater
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Student Population
2,536 students
Stillwater has a total population of 20,059, with approximately 2,536 college students (12.6% of the population). Stillwater has a significant student presence that contributes to a diverse cultural scene with restaurants, entertainment, and networking opportunities.
Post-Graduation Outlook in Stillwater
$45,276
Starting Salary
3%
Unemployment Rate
57%
Graduation Rate
~10.6 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in Stillwater earn a median starting salary of $45,276, which is $10,276 more per year the average high school graduate salary of $35,000. At the modeled net cost, the salary premium would take about 10.6 years to cover the investment. With average financial aid of $12,634 per student per year, the net cost can change materially by school and program.
Other Cities in Minnesota
Minneapolis
15 colleges · Avg tuition $15,142
St. Paul
20 colleges · Avg tuition $10,448
Rochester
8 colleges · Avg tuition $8,930
Duluth
5 colleges · Avg tuition $13,872
St. Cloud
7 colleges · Avg tuition $8,546
Moorhead
3 colleges · Avg tuition $8,982
Mankato
4 colleges · Avg tuition $9,040
Winona
2 colleges · Avg tuition $8,666
Saint Paul
11 colleges · Avg tuition $14,200
Bloomington
4 colleges · Avg tuition $14,200
Brooklyn Park
4 colleges · Avg tuition $14,200
Plymouth
4 colleges · Avg tuition $14,200
Methodology & Education Data Sources for Stillwater
How we compile Stillwater college data: Our institution profiles, tuition figures, and outcome data combine multiple federal datasets — primarily IPEDS (Integrated Postsecondary Education Data System), which all Title IV-eligible US colleges report to annually, and College Scorecard from the US Department of Education. Cost-of-attendance figures include published tuition, fees, room/board, books, and transportation per institutional reporting.
- Tuition data reflects published in-state and out-of-state rates per IPEDS for Stillwater institutions, updated annually.
- Acceptance rates sourced from College Scorecard (most recent reporting cycle), reflecting first-year first-time freshman admissions.
- Earnings outcomes tracked 6-10 years post-enrollment per College Scorecard, comparing earnings to high school graduates ($30,200 baseline).
- Default rates: Cohort Default Rate (CDR) from US Dept of Education tracks 3-year repayment outcomes after entering repayment.
- Local context: Stillwater's walk score, transit options, and cost of living affect total college expenses beyond tuition.
Authoritative US education data sources:
- IPEDS — Integrated Postsecondary Education Data — federal college data
- College Scorecard (US Dept of Education) — earnings, debt, completion
- NCES Digest of Education Statistics — education indicators
- Federal Student Aid (FAFSA) — official US student loan info
- NCES College Navigator — official institution search
- BLS Occupational Outlook Handbook — career outcomes by major
Education Disclaimer: College data reflects most recent IPEDS/Scorecard reporting (typically 1-2 year lag). Tuition can change annually. Always verify current figures with the institution's financial aid office. Use the FAFSA Estimator for personalized aid eligibility.
Reviewed by Brazora Monk · Last updated 2026 · IPEDS data current as of latest annual release
Frequently Asked Questions
How much does college cost in Stillwater, MN?
Average annual in-state public university tuition in Stillwater is $14,200. Private university tuition averages $38,000, and community college tuition averages $4,975. When room and board ($12,995/year) is included, the total annual cost at a public university is approximately $27,195.
How many local cost benchmarks are used for Stillwater, MN?
Stillwater uses approximately 2 local education-market benchmark points for tuition, housing, and student-cost planning. The city has an estimated student population of approximately 2,536, which represents 12.6% of the total population.
What is the average rent near campus in Stillwater?
The average rent near college campuses in Stillwater is approximately $870 per month. The city has a cost of living index of 92.1 (national average is 100), a walk score of 42, and a public transit score of 20. Students can save on housing by sharing apartments or living further from campus.
What is the average starting salary after college in Stillwater?
College graduates in Stillwater earn a median starting salary of $45,276. The local unemployment rate is 3%. With an average financial aid package of $12,634 per student and a 57% graduation rate, students should carefully plan their college journey to maximize their return on investment.
Is it worth going to college in Stillwater, MN?
With a median starting salary of $45,276 and an average 4-year public university cost of $108,780 (including room and board), the modeled salary premium can recoup the net investment in about 10.6 years. The 57% graduation rate underscores the importance of choosing the right program and staying on track academically.
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