University of Baltimore
Baltimore, Maryland · Public · 78.7% acceptance rate
ROI Score: 64/100 · Fair Value
Data: 2024-25 College Scorecard release
University of Baltimore scores 64 (Fair Value) on the CampusROI scale. Fewer than two in five students who enroll here graduate; fewer than three in five borrowers are making progress on repayment. In-state tuition is $9,992. The student body is small (1,133 students) and predominantly non-traditional - 44.9% Pell grant rate signals significant low-income and working-adult enrollment. Business Administration and Management is the dominant program (116 graduates), earning $52,329 year one and $71,211 at year four (C+ grade). Criminal Justice (31 graduates) earns $48,991 year one and $63,032 at year four (C+ grade). Scorecard does not report the 75001-110000 net price band. The earnings premium sub-score of 88 and payback of 7.4 years are the brighter parts of an otherwise mixed picture.
How University of Baltimore scores under our methodology
These are the College Scorecard measures that pull this school's CampusROI score down. They describe the published figures, not the quality of the education, and they are our reading of the data. Check them against your own aid offer and intended major.
- 6-year graduation rate38.2% - The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our score, since a degree that is not finished rarely pays back.
University of Baltimore
Quick Numbers
| In-state tuition + fees | $9,992/yr |
| Out-of-state tuition + fees | $23,984/yr |
| Average net price | $13,868/yr |
| Total 4-year cost (net) | $55,472 |
| Median earnings (10yr post-entry) | $61,335 |
| Average earnings (6yr post-entry) | $45,100 |
| Median debt at graduation | $23,250 |
| Estimated monthly loan payment | $246 |
| Estimated payback period | 7.4 years |
| 6-year graduation rate | 38.2% |
| Undergraduate enrollment | 1,133 |
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: $9,992/year ($23,984/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 $13,868/year, or roughly $55,472 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 $11,680/year here, while families earning over $110,000 pay $19,406/year.
Among graduates who borrowed, the median federal loan debt from this school is $23,250, which works out to about $246 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($45,100) and comes to 0.52, under 1.0, meaning median debt is less than a full year of those earnings.
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 | $11,680 |
| $30,001 - $48,000 | $14,337 |
| $48,001 - $75,000 | $17,472 |
| $75,001 - $110,000 | N/A |
| $110,001+ | $19,406 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
The 0-30000 income bracket pays $11,680 per year. Scorecard does not report the 75001-110000 net price band. Against $45,100 average 6-year earnings and a 7.4-year payback, the low-income cost is defensible on paper - but the 38.2% completion rate means most low-income students do not reach the graduation outcome that makes the math work. The combination of need-based enrollment and low completion is a high-risk profile for students with the least financial cushion.
Middle-income families ($30K-$110K)
The 48001-75000 bracket pays $17,472. Scorecard does not report a value for the 75001-110000 bracket. The financial case is reasonable for students who complete; the completion rate of 38% is the primary disqualifier for an undifferentiated recommendation.
Higher-income families ($110K+)
The 110001-plus bracket pays $19,406 per year. High-income families considering this institution for a dependent are likely doing so because of specific program access, Baltimore geographic ties, or adult learner flexibility - not because the earnings profile is exceptional. The 38.2% completion rate is the most important number for any income tier.
Earnings by Major
Top 10 most popular majors at University of Baltimore with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Business Administration and Management | $71,211 | C+ |
| Criminal Justice and Corrections | $63,032 | C+ |
| Psychology | $48,862 | C |
| Human Services, General | $58,117 | D |
| Information Science | $54,529 | D |
| English Language and Literature | $48,981 | C |
| Radio, Television, and Digital Communication | $49,445 | D |
| Multi/Interdisciplinary Studies, Other | $64,305 | - |
| Legal Professions and Studies, Other | $48,988 | C |
| Accounting | $73,028 | - |
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.
Business Administration and Management
Business Administration and Management (116 graduates) is the dominant program and earns $52,329 year one and $71,211 at year four, with a C+ grade (debt-to-earnings 0.478, median debt $25,000). The C+ grade reflects moderate debt relative to earnings.
Criminal Justice and Corrections
Criminal Justice (31 graduates) earns $48,991 year one and $63,032 at year four, with a C+ grade (debt-to-earnings 0.521, median debt $25,500). The debt load is moderate and the ratio acceptable.
Health and Medical Administrative Services
Health and Medical Administrative Services earns $53,551 year one and $66,614 at year four, with a C grade (debt-to-earnings 0.665, median debt $35,588). Graduate count is not reported. The debt figure of $35,588 is high relative to earnings, driving the C grade.
Psychology
Psychology (26 graduates) earns $34,426 year one and $48,862 at year four, with a C grade (debt-to-earnings 0.638, median debt $21,956). Year-one earnings are low and the debt-to-earnings ratio is elevated. Psychology at a regional public with open admissions and a 38% completion rate is a financially risky path. Students who plan to pursue graduate school in psychology should factor additional debt and time into their planning.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 51.2% | 68.8% |
| 3-year repayment | 56.3% | 73.6% |
| 5-year repayment | 52.0% | 67.7% |
| 7-year repayment | 58.9% | 72.8% |
Completion Rate
Trends Over Time
How University of Baltimore’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 | 78.7% |
| SAT Math (25th-75th) | 370-680 |
| SAT Reading (25th-75th) | 370-650 |
| Enrollment | 1,133 |
| Pell Grant recipients | 44.9% |
| Avg faculty salary (monthly) | $13,975 |
At 78.7%, UBaltimore is broadly accessible. The wide SAT range (370-680 Math, 370-650 Reading) is consistent with open-access urban public enrollment. Admission is not a meaningful barrier; the institution accepts most applicants who meet basic eligibility requirements. Completion, not admission, is the primary challenge at this institution.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
UBaltimore's ROI is 64, driven by its earnings premium sub-score of 88.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| University of Baltimore (this school) | 64 | $13,868 | $61,335 |
| University of New Hampshire College of Professional Studies Online | 72 | $10,864 | $66,479 |
| Miami University-Middletown | 63 | $10,809 | $55,076 |
| Ohio University-Chillicothe Campus | 60 | $5,755 | $52,581 |
| Bowie State University | 40 | $19,298 | $54,537 |
| Coppin State University | 33 | $9,977 | $46,490 |
Head-to-Head ROI Comparisons
See University of Baltimore side by side with similar schools on ROI, cost, earnings, and debt.
Who Thrives Here
University of Baltimore admits 78.7% of applicants. SAT mid-ranges are 370-680 Math and 370-650 Reading - an extremely wide spread that reflects an open-access orientation. ACT data is not reported. Enrollment of 1,133 is small. The institution primarily serves Baltimore-area adult learners and career-changers seeking upper-division credentials and professional degrees. Students transferring from community college are a substantial population. The 38.2% completion rate means the modal outcome is not graduating, which should factor prominently into any enrollment decision. Students with a clear career goal and structured completion plan are better positioned than those who enroll with uncertainty.
The Verdict: A Reasonable Bet - With Caveats
University of Baltimore is a fair-value bet, but how well it pays off depends a lot on you. At $13,868 a year after aid ($55,472 over four years), with the typical graduate earning $61,335 a decade out, the cost takes about 7.4 years to earn back. For context, the median payback across the schools we score is about 12 years.
What it has going for it: a strong earnings premium over high school graduates. What to keep an eye on: its 38.2% graduation rate, a three-year loan repayment rate of 56.3% (median across the schools we score: 73.6%).
Median debt of $23,250 among graduates who borrowed, against average earnings of $45,100 six years after entry, gives a debt-to-earnings ratio of 0.52, 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 of Baltimore: Common Questions
Is University of Baltimore worth it?
In our view, it's a fair-value bet - whether University of Baltimore is worth it depends a lot on your major and aid package. It scores 64/100 on our ROI scale. At $13,868 a year after aid ($55,472 over four years) against $61,335 in typical earnings a decade out, the cost takes about 7.4 years to earn back. For context, the median payback across the schools we score is about 12 years.
How much does University of Baltimore 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 $13,868 a year, or roughly $55,472 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 of Baltimore graduates earn?
The typical graduate earns about $61,335 ten years after enrolling, roughly $19,535 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 of Baltimore?
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 7.4 years for University of Baltimore. The median across the schools we track is about 12 years.
How much debt do University of Baltimore graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $23,250, against average earnings of $45,100 six years after entry - a debt-to-earnings ratio of 0.52. 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 of Baltimore?
The six-year graduation rate is 38.2%. The national average for four-year schools is 64% (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.