College Costs in Troy, NY 2026
Compare tuition, housing, and financial aid across 3 colleges in Troy, New York. Use our free calculator to estimate your total cost.
Avg Public Tuition
$10,200
per year
Avg Private Tuition
$42,000
per year
Avg Rent Near Campus
$1,422
per month
Colleges & Universities
3
institutions
Troy Overview
Population
51,401
Student Population
4,320 (8.4%)
Cost of Living Index
129.5 (avg: 100)
Walk Score
48/100
Transit Score
17/100
Unemployment Rate
4.2%
College Cost Calculator for Troy
Cost Inputs
Total Cost (4 Years, Public In-State)
$103,436
Total After Financial Aid
$103,436
Annual Cost
$25,859
Annual After Aid
$25,859
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $103,436 |
| Monthly Payment | $1,174 |
| Total Interest | $37,503 |
| Total Loan Cost | $140,939 |
Universities in Troy
| University | Type | Annual Tuition |
|---|---|---|
| Troy State University | Public | $9,435 |
| Troy Community College | Community | $6,320 |
Troy has 3 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in Troy vs. National Average
| Category | Troy | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $10,200 | $10,940 | -$740 |
| Monthly Rent Near Campus | $1,422 | $1,050 | +$372 |
| Cost of Living Index | 129.5 | 100 | +29.5 |
Troy'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 Troy
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Student Population
4,320 students
Troy has a total population of 51,401, with approximately 4,320 college students (8.4% of the population). Troy has a significant student presence that contributes to a diverse cultural scene with restaurants, entertainment, and networking opportunities.
Post-Graduation Outlook in Troy
$52,875
Starting Salary
4.2%
Unemployment Rate
53%
Graduation Rate
~6 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in Troy earn a median starting salary of $52,875, which is $17,875 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $103,436 (including room and board), it would take approximately 6 years of the salary premium to recoup the investment. With average financial aid of $14,541 per student per year, the net cost and payback period can be significantly reduced.
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