University at Buffalo
Buffalo, New York · Public · 74.2% acceptance rate
ROI Score: 83/100 · Strong Value
Data: 2024-25 College Scorecard release
University at Buffalo scores 83 (Strong Value). The school delivers $46,100 average 6-year earnings and a 6.3-year payback period at a net price of $20,995, producing a solid earnings premium at a manageable cost for in-state students. The 75.2% completion rate is above average for a large public university. Median debt of $19,000 with a debt-to-earnings ratio of 0.412 is reasonable. UB's engineering and CS programs are the primary ROI drivers, with nursing as the highest-volume high-earner. The 20,112-student enrollment provides broad program breadth and a large alumni network across upstate New York.
University at Buffalo scores in the top 11% of the schools we score, with strong earnings outcomes relative to cost.
University at Buffalo
Quick Numbers
| In-state tuition + fees | $10,936/yr |
| Out-of-state tuition + fees | $31,536/yr |
| Average net price | $20,995/yr |
| Total 4-year cost (net) | $83,980 |
| Median earnings (10yr post-entry) | $70,814 |
| Average earnings (6yr post-entry) | $46,100 |
| Median debt at graduation | $19,000 |
| Estimated monthly loan payment | $201 |
| Estimated payback period | 6.3 years |
| 6-year graduation rate | 75.2% |
| Undergraduate enrollment | 20,112 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $10,936/year ($31,536/year out-of-state), which covers tuition and fees only. The net price counts books, supplies, and average living costs on top of tuition and fees, then subtracts grants and scholarships. For the average student here it comes to $20,995/year, or roughly $83,980 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $14,668/year here, while families earning over $110,000 pay $28,079/year.
Among graduates who borrowed, the median federal loan debt from this school is $19,000, which works out to about $201 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($46,100) and comes to 0.41, which in our view is comfortably manageable.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $14,668 |
| $30,001 - $48,000 | $16,585 |
| $48,001 - $75,000 | $21,262 |
| $75,001 - $110,000 | $24,117 |
| $110,001+ | $28,079 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families under $30,000 pay $14,668 net per year - about $58,700 over four years. At $46,100 average earnings, the payback for low-income UB graduates is workable in strong programs.
Middle-income families ($30K-$110K)
The $48,001-$75,000 bracket pays $21,262 net and the $75,001-$110,000 bracket pays $24,117. Engineering and CS graduates will see strong payback; business and humanities graduates face longer timelines.
Higher-income families ($110K+)
Families earning $110,000+ pay $28,079 net per year - about $112,000 over four years.
Earnings by Major
Top 10 most popular majors at University at Buffalo with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Business Administration, Management, and Operations | $69,903 | C+ |
| Psychology | $52,303 | C |
| Biology | $57,298 | D |
| Communication and Media Studies | $62,912 | C |
| Computer Science | $105,160 | B+ |
| Mechanical Engineering | $84,602 | B |
| Registered Nursing | $93,507 | B+ |
| Social Sciences, General | $56,257 | D |
| Sociology | $54,382 | C |
| Civil Engineering | $84,868 | B |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Registered Nursing
Nursing is UB's highest-volume high-earning program at 181 graduates, $78,621 year-one earnings, and $93,507 at year four. Debt-to-earnings of 0.332 (ROI grade B+) with $26,117 median debt is solid. UB's nursing program feeds into Western New York's large healthcare system anchored by Kaleida Health and Catholic Health. Year-one earnings close to $79k make nursing UB's strongest near-term ROI story for students who can get into the program.
Computer Science
Computer Science (254 graduates - the highest volume tech program) earns $72,283 at year one and $105,160 at year four. Debt-to-earnings of 0.284 (ROI grade B+) with $20,500 median debt is the best ratio among high-volume programs at UB. CS graduates access Buffalo's growing tech sector as well as remote roles at national employers. The four-year jump to $105k reflects strong career progression. This program is UB's clearest ROI case for students who can complete it.
Business Administration, Management, and Operations
Business Administration is the largest program at UB by graduate count at 712, with $43,805 year-one earnings and $69,903 at year four. The debt-to-earnings ratio of 0.491 (ROI grade C+) with $21,500 median debt is mediocre but acceptable at in-state net prices. The Accreditation Council for Business Schools and Programs (AACSB) accredited School of Management is UB's primary business pipeline. For students who want the UB credential in a business field, this is a functional if unspectacular investment.
Psychology
Psychology (564 graduates) earns $31,351 at year one and $52,303 at year four with a debt-to-earnings ratio of 0.664 (ROI grade C) and $20,830 median debt. This is one of the weakest performers among UB's high-volume programs. Most psychology graduates pursue graduate school or enter social services at low starting wages.
Biology
Biology (341 graduates) earns $29,892 at year one but only $57,298 at year four - a wide four-year spread that reflects the graduate-school pipeline. Debt-to-earnings is 0.752 (ROI grade D) with $22,481 median debt. Biology at UB functions primarily as a pre-professional track; the near-term earnings data understates the long-run outcome for students who complete professional degrees, but also overstates it for those who stop at the bachelor's level.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 71.4% | 68.8% |
| 3-year repayment | 75.1% | 73.6% |
| 5-year repayment | 74.0% | 67.7% |
| 7-year repayment | 76.7% | 72.8% |
Completion Rate
Trends Over Time
How University at Buffalo’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 74.2% |
| SAT Math (25th-75th) | 610-700 |
| SAT Reading (25th-75th) | 600-680 |
| ACT Composite (25th-75th) | 27-32 |
| Enrollment | 20,112 |
| Pell Grant recipients | 33.1% |
| Avg faculty salary (monthly) | $12,415 |
UB has a 74.2% acceptance rate with SAT 610-700 Math. The ACT 27-32 range suggests the middle half of admits have solid quantitative preparation.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| University at Buffalo (this school) | 83 | $20,995 | $70,814 |
| CUNY Bernard M Baruch College | 92 | $3,033 | $75,971 |
| James Madison University | 84 | $23,322 | $69,954 |
| University of California-Riverside | 83 | $14,304 | $67,699 |
| University of Oklahoma-Norman Campus | 83 | $15,300 | $63,126 |
| CUNY Brooklyn College | 81 | $3,103 | $60,752 |
Head-to-Head ROI Comparisons
See University at Buffalo side by side with similar schools on ROI, cost, earnings, and debt.
Who Thrives Here
UB admits 74.2% of applicants with SAT mid-ranges of 610-700 Math and 600-680 Reading, and ACT 27-32. It is selective but accessible for academically prepared in-state students. The 33.1% Pell rate indicates meaningful economic diversity. Students planning to study engineering, CS, nursing, pharmacy, or business will find well-resourced programs with direct labor market pipelines. Students seeking a smaller college experience, strong arts programs, or warmer climate should look elsewhere - UB's strengths are in STEM and professional programs at a large research university scale.
The Verdict: The Investment Pays Off
For most students, University at Buffalo pays off. You'd pay about $20,995 a year after aid ($83,980 over four years), and the typical graduate earns $70,814 ten years after enrollment. That puts the payback - the time it takes for the earnings bump to cover what you spent - at roughly 6.3 years, a solid return.
What it has going for it: a strong earnings premium over high school graduates, its 75.2% graduation rate, manageable debt relative to earnings.
Median debt of $19,000 among graduates who borrowed, against average earnings of $46,100 six years after entry, gives a debt-to-earnings ratio of 0.41, under the 1.0 point at which debt would equal a full year of those earnings. Your major matters a lot here: graduates in higher-earning fields will see the better end of this.
University at Buffalo: Common Questions
Is University at Buffalo worth it?
In our view, yes - for most students University at Buffalo pays off. It scores 83/100 on our ROI scale. You'd pay about $20,995 a year after aid ($83,980 over four years), and the typical graduate earns $70,814 ten years after enrollment, so the cost takes roughly 6.3 years to earn back.
How much does University at Buffalo cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $20,995 a year, or roughly $83,980 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do University at Buffalo graduates earn?
The typical graduate earns about $70,814 ten years after enrolling, roughly $29,014 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off University at Buffalo?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 6.3 years for University at Buffalo. The median across the schools we track is about 12 years.
How much debt do University at Buffalo graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $19,000, against average earnings of $46,100 six years after entry - a debt-to-earnings ratio of 0.41. In our view that is reasonable, though your major matters: higher-earning fields will see the better end of it.
What is the graduation rate at University at Buffalo?
The six-year graduation rate is 75.2%, at or above the 64% national average for four-year schools (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.