đ° Cost of Attendance at University of Massachusetts Amherst 2026-2027
đ
2027â2028 Planning Note: The costs below reflect the most recently published figures (2026â2027). Universities typically finalize the next yearâs rates in the spring, and weâll update this page once official 2027â2028 numbers are released.
Planning tip: At large public universities, tuition, fees, and housing usually increase modestly each year (often in the 2â5% range). For early budgeting, families may want to plan for roughly $1,000â$1,500 more in-state or $2,000â$3,000 more out-of-state in total direct costs once new rates are published.
| Category (2026â2027) |
In-State |
Out-of-State |
| Tuition & Mandatory Fees (2 semesters) |
$16,952 |
$38,171 |
| Housing & Meals (typical) |
$14,123 |
$14,123 |
| Total (Direct Costs) |
$31,075 |
$52,294 |
Average Federal Net Price: $22,954 â this is what families actually paid after grants and scholarships (no loans), based on the most recent federal data. Your specific cost could be significantly lower or higher depending on your financial aid eligibility and merit scholarships. New to Net Price & SAI? Read our guide.
đ Out-of-State Tuition Policy
UMD does not participate in regional reciprocity programs
such as WUE, MSEP, or NEBHE. Nonresidents pay the standard out-of-state
rate, though high-achieving students may earn generous
merit-based scholarships such as the Presidentâs, Deanâs,
or Banneker/Key Awards that reduce total cost.
Sources:
https://admissions.umd.edu/tuition/cost-of-attendance â˘
https://billpay.umd.edu/ â˘
https://bigfuture.collegeboard.org/colleges/university-of-maryland-college-park/tuition-and-costs
đŻ UMass Amherst superscores both the SAT and ACT for admissions and scholarships, using the highest section scores across all test dates to maximize your student’s aid potential.
đ Automatic Scholarships at UMass Amherst
UMass Amherst grants automatic merit scholarships to many admitted studentsâespecially those with strong GPAs and SAT/ACTs. No separate application is required; all first-year applicants are reviewed for merit by the admissions committee.
Note: All students are considered for merit aid during the admissions process. Applying early can increase your odds of the Chancellor’s or Flagship awards.
Automatic
Chancellorâs Scholarship
📅 Deadline: Feb 1
✓ Renews (4 yrs)
$10,000â$18,000/yr
✔ Stackable
⚠ UMass Amherst's top automatic merit award; provides a fixed annual stipend (typically $10kâ$18k for OOS) that reduces but does not cover full tuition.
Holistic / Status Based
✚
Stacking & Combining
Stacks with other UMass institutional scholarships, departmental awards, and outside scholarships up to your full cost of attendance. Federal aid rules may trim need-based aid if the combined package exceeds need, but merit dollars themselves remain in your award.
💡
Strategic Detail
UMassâs top-tier automatic merit award for nonresidents. The university doesnât publish a specific GPA or test cutoff, but historically the largest awards land with the strongest 1â2% of out-of-state applicants. Apply early, and donât worry about your high schoolâs weighted GPA â UMass redoes the math.
🕵
Who Actually Wins
Most winners: Out-of-state admits with the strongest academic profiles in the entering class â UMass recalculates every applicantâs GPA on a consistent 4.0 scale before this award is decided, so course rigor (honors, AP, dual enrollment) matters as much as the raw number.
Automatic
Flagship Award
📅 Deadline: Feb 1
✓ Renews (4 yrs)
Holistic / Status Based
✚
Stacking & Combining
Combines with other UMass institutional aid and outside scholarships up to cost of attendance. Because this award is need-aware, additional outside scholarships may shift the composition of your aid package, but the merit portion is preserved.
💡
Strategic Detail
UMassâs flagship in-state award for low-income and/or first-generation Massachusetts students. The published award range is not specified on the current UMass Admissions Scholarships page; historically awards have spanned a few thousand to mid-five-figures per year depending on academic strength and need profile. File the FAFSA by the Feb 1 priority date to be considered.
🕵
Who Actually Wins
Massachusetts residents who are low-income, first-generation college students, or both â selected on academic record and rigor, plus activities, community service, and work experience. The review is holistic rather than threshold-based.
Automatic
Deanâs Award
📅 Deadline: Feb 1
✓ Renews (4 yrs)
Holistic / Status Based
✚
Stacking & Combining
Can be combined with a UMass tuition credit, other UMass institutional aid, and outside awards up to your full cost of attendance.
💡
Strategic Detail
Flat $2,000/year award ($1,000 per semester) for academically strong Massachusetts residents. UMass does not publish a specific GPA or test cutoff. This is the entry-level Admissions merit award for in-state students; stronger profiles are often considered for the Flagship Award instead.
🕵
Who Actually Wins
Most winners: In-state admits with strong academic profiles whose record stands out within the Massachusetts applicant pool â UMass recalculates every applicantâs GPA, so course rigor counts.
* GPA/test bands are estimates based on official selectivity and prior cohort profiles. "Who Actually Wins" insights are pulled from external peer-sourced data where students and parents have reported real-world award results. Because colleges can change funding thresholds and deadlines at any time, always verify these details with the institution before finalizing your application strategy.
UMass doesnât publish hard cutoffs for merit selection. GPA/test bands above are based on recent award profiles for transparency.
đ Frequently Asked Questions
Does UMass Amherst automatically consider my student for merit scholarships? Yesâevery applicant meeting the deadline is reviewed, no separate scholarship application needed.
Does UMass superscore the SAT and ACT? Yes, the highest section scores across all test dates are used for both admission and scholarship review, maximizing the award offer for qualifying students.
What GPA/test scores do you need for these? For the highest awards, 3.9+ GPA and 1450+ SAT/32+ ACT. The minimum for Deanâs Scholarship is around 3.5 GPA and 1250 SAT/26 ACT, but criteria shift with each entering class.
Can out-of-state students receive these awards? YesâFlagship and Deanâs scholarships are open to nonresidents, but top in-state students land the highest awards.
Are scholarships renewable and stackable? Yes, they generally renew up to 8 semesters assuming strong academic progress and can be combined with other merit or departmental awards, up to cost of attendance.
đ Competitive Scholarships
đĄ Want more than automatic merit?
UMass Amherst offers a few competitive awards that require extra stepsâespecially for honors students and aspiring scientists. These tend to reward students with outstanding academics, leadership, or unique backgrounds.
App Required⚠ All Undergrad Only
Community Scholarships
📅 Deadline: Feb 1
✓ Renews
$1,000â$5,000/yr
✔ Stackable
🎓 All Undergrad
✚
Stacking & Combining
Generally stacks with UMass institutional aid and outside awards up to cost of attendance. Because most community scholarships are at least partially need-aware, accepting additional outside awards may shift the makeup of your need-based aid package.
📄
How to Apply
Apply through UMassâs AcademicWorks scholarship portal once youâre an admitted or enrolled student. Complete the General Application â and any Supplemental Applications tied to your major â to be auto-matched against hundreds of donor-funded community awards.
💡
Strategic Detail
An umbrella for the hundreds of donor-funded scholarships UMass awards each year (over $8M annually) through the AcademicWorks portal. Individual awards have their own eligibility and selection criteria; most require the FAFSA, a completed General Application, and any major-specific Supplemental Applications. Awards are made on a rolling basis until funds are exhausted, so applying early matters.
🕵
Who Actually Wins
Students with strong academic records combined with leadership, community service, demonstrated financial need, or specific donor-defined criteria. Many awards give preference to first-generation students or those from underrepresented backgrounds â but the criteria vary fund by fund.
* GPA/test bands are estimates based on official selectivity and prior cohort profiles. "Who Actually Wins" insights are pulled from external peer-sourced data where students and parents have reported real-world award results. Because colleges can change funding thresholds and deadlines at any time, always verify these details with the institution before finalizing your application strategy.
FAQs: Competitive Scholarships at UMass Amherst
Do I need to submit a separate application for competitive scholarships? Some awards, especially STEM Diversity and Honors/Research awards, require extra forms, essays, or faculty recommendations. Always check deadlines and apply early.
How competitive are these scholarships? Extremely. The Chancellorâs Scholarship, for example, often goes to the highest 1â2% of applicants. STEM scholarships prioritize need and diversity.
Are competitive scholarships renewable? Most can renew for up to four years if you maintain GPA and stay full-time; always verify the award letter for renewal terms.
Can out-of-state students win competitive scholarships? Yes, but Massachusetts residents typically receive first priority for the largest awards. OOS students should also pursue merit-based and diversity awards open to all.
When will we hear scholarship results? Some awards are offered with your admission, others (especially community and STEM diversity awards) may follow later in spring.
Whatâs the main deadline to apply? The main merit and competitive scholarship deadline is February 1. Some awards may have later deadlines, but most funds go to early applicants.
Does test-optional apply to competitive scholarships? UMass is test-optional, but high test scores boost your chancesâespecially for Chancellorâs and STEM scholarships.
Can awards be stacked? Yes, most can be stacked, up to the cost of attendance. Always consult your financial aid office regarding stacking limits and award caps.
Can first-generation students win? YesâUMass also has awards that target first-gen, low-income, and diversity backgrounds, especially within STEM and honors.
đ Hidden Gem Scholarships at UMass Amherst
Some awards arenât well advertised but can stack with other aid. Examples below are all real, open to a wide range of students, and typically require a quick application or audition.
App Required⚠ All Undergrad Only
UMass Marching Band Scholarships
📅 Deadline: Rolling after audition/enroll
✓ Renews
$500â$1,000/yr
✔ Stackable
🎓 All Undergrad
📄
How to Apply
Band acceptance/audition required; enroll as Minuteman Band member
Selection criteria: Band leadership/participation
💡
Strategic Detail
Open to all majors; leadership roles may boost amount
🕵
Who Actually Wins
Most winners: Active band members; leadership can increase award amount
App Requiredidentity_basedmajor_specificneed_based
STEM Diversity Scholarship
📅 Deadline: FebâMar
✓ Renews
$1,500â$5,000
✔ Stackable
⚠ needâaware scholarship for underrepresented STEM students at UMass Amherst, usually $1,500â$5,000 for research or studyâabroad support
Holistic / Status Based
✚
Stacking & Combining
Can stack up to COA
📄
How to Apply
Essay and FAFSA required; high-achieving underrepresented STEM major
Selection criteria: Essay, need, recs
✎ Essays💌 Letters of Rec
💡
Strategic Detail
Underrepresented, high-achieving STEM
🕵
Who Actually Wins
URM, first-gen, low-income STEM students; strong recs
App Required⚠ All Undergrad Only
Arts Department Scholarships
📅 Deadline: Department deadlines (spring)
✓ Renews
$1,000â$5,000/yr
✔ Stackable
🎓 All Undergrad
📄
How to Apply
Audition or portfolio required
Selection criteria: Talent and engagement
💡
Strategic Detail
Music, Dance, Theater, Fine Arts majors only
🕵
Who Actually Wins
Talented students with strong audition or portfolio
App Required⚠ All Undergrad Only
Business & Isenberg School Scholarships
📅 Deadline: MarâApr
✓ Renews
$1,000â$6,000/yr
✔ Stackable
🎓 All Undergrad
📄
How to Apply
Apply via AcademicWorks
Selection criteria: GPA, essay, major
💡
Strategic Detail
Business, management majors; some first-gen/URM preference
🕵
Who Actually Wins
Active major students; first-gen and URM get priority
App Required⚠ All Undergrad Only
Engineering Departmental/Research Awards
📅 Deadline: Spring (departmental)
✓ Renews
$1,000â$5,000/yr
✔ Stackable
🎓 All Undergrad
📄
How to Apply
Department app or faculty nomination required
Selection criteria: Research/gpa/faculty review
💌 Letters of Rec
💡
Strategic Detail
Research funding or awards for engineering
🕵
Who Actually Wins
Most winners: Majors with high grades, projects, or faculty connections
App Required⚠ All Undergrad Only
First-Generation/URM Opportunity Awards
📅 Deadline: FebâMar (varies by fund)
✓ Renews
$500â$3,000/yr
✔ Stackable
🎓 All Undergrad
📄
How to Apply
Quick application or AcademicWorks
Selection criteria: Need and eligibility
💡
Strategic Detail
Need-based or Honors eligible
🕵
Who Actually Wins
Most winners: First-gen/low-income/Honors/URM
App Required⚠ Sophomore Only
Nancy Cullen '76 Honors Band Scholarship
📅 Deadline: Spring
Non-Renewable
🎓 Sophomore
📄
How to Apply
Apply via AcademicWorks; must be Honors and active Minuteman Band participant
Selection criteria: Need and band participation
💡
Strategic Detail
Honors and band together; financial need
🕵
Who Actually Wins
Most winners: Honors College sophomores/juniors who demonstrate financial need and active band participation
App Required⚠ All Undergrad Only
Dresden Family Scholarship
📅 Deadline: Feb 22 (CHC AcademicWorks)
Non-Renewable
🎓 All Undergrad
✚
Stacking & Combining
A one-time award applied directly toward tuition and fees in the following academic year; combines with other UMass and outside aid up to cost of attendance.
📄
How to Apply
Apply through the CHC AcademicWorks portal as a current Commonwealth Honors College student. Complete the CHC âconditionalâ application to be auto-matched against this fund alongside the broader Honors scholarship pool.
💡
Strategic Detail
Donor-funded scholarship established by alumna Jennifer Hanes-Schromm honoring the generations of educators in the Dresden Family. Open to current first-years, sophomores, and juniors in Commonwealth Honors College. Easy to miss if youâre not regularly checking the AcademicWorks portal â completing your CHC general application is what gets you matched.
🕵
Who Actually Wins
Current Commonwealth Honors College students with demonstrated financial need â explicit preference for female students whoâve shown leadership through student organizations or community service.
* GPA/test bands are estimates based on official selectivity and prior cohort profiles. "Who Actually Wins" insights are pulled from external peer-sourced data where students and parents have reported real-world award results. Because colleges can change funding thresholds and deadlines at any time, always verify these details with the institution before finalizing your application strategy.
FAQs: Hidden Gem Scholarships at UMass Amherst
What are marching band scholarships at UMass Amherst? Band awards ($500â$1,000/year) require audition/enrollment. Higher awards available to leaders, with added scholarships like the Nancy Cullen for Honors and first-gen students[web:1616][web:1599][web:1621].
How do arts scholarships work? Auditions/portfolios for Dance, Theater, and Fine Arts can mean $1,000â$5,000/year; department deadlines and criteria apply[web:1616][web:1617][web:1622].
What are departmental scholarships? Each college/major runs its own awards, often $1,000â$6,000; GPA and advisor recs are common requirements; ask your department early[web:1624][web:1627].
Can hidden gems be stacked? In most cases yesâespecially with need-based aid or major awards; be cautious with state tuition waivers which may not stack[web:1610][web:1597].
When should students apply? Start as early as first semester; check AcademicWorks in FebâMar and ask academic advisors early for department-specific funds[web:1597][web:1599][web:1624].
Are there first-gen/URM scholarships? YesâUMass offers several Honors and departmental scholarships for first-generation and underrepresented students, including the Commonwealth Honors College Opportunity Scholarship and Isenberg Community Scholarship[web:1600][web:1624].
Can students apply for outside scholarships? Absolutely; outside awards can often be stacked with UMass funds (up to cost-of-attendance).
đ Honors College at UMass Amherst
The Commonwealth Honors College (CHC) is invitation-only for top applicants (usually about 10% of admits with 3.8+ GPA, strong academic record, leadership, and essays). No separate application is needed. Honors students receive early registration, small seminars, exclusive research/project grants, and access to specialized campus housing.
Who Gets Invited? Honors invites go to top academics with leadership, diversity, or research drive. Itâs competitive, but holisticâECs, essays, and background matter.
App Required⚠ All Undergrad Only
Commonwealth Honors College Research & Leadership Awards
📅 Deadline: Varies by award (SeptâApr cycles)
Non-Renewable
🎓 All Undergrad
✚
Stacking & Combining
These project-based awards layer on top of your existing scholarships and aid â theyâre designed to fund specific research, conference travel, or thesis work, not to replace tuition aid.
📄
How to Apply
Submit applications through the CHC AcademicWorks portal or the PATHS research-funding platform, depending on the program. Most require a project proposal, a faculty mentor endorsement, and a brief budget.
✎ Essays💌 Letters of Rec
💡
Strategic Detail
An umbrella category covering CHCâs project-based grants: Honors Research/Creative Activity Grants (up to $1,000), Research Assistant/Creative Activity Fellowships (up to $750), Finish Strong Honors Thesis Awards ($2,500), and CHC Conference Travel Grants ($400â$750). Each has its own deadline cycle, application portal, and review committee â check the CHC research-funding page early in the semester you want to use the funds.
🕵
Who Actually Wins
Commonwealth Honors College students with a clear research question, creative project, or thesis plan and a faculty mentor willing to vouch for their work. Strong proposals beat strong GPAs here.
App Required⚠ All Undergrad Only
Honors College Opportunity Scholarship
📅 Deadline: Feb 22 (CHC AcademicWorks)
✓ Renews (6 yrs)
$1,000â$2,000/yr
✔ Stackable
🎓 All Undergrad
✚
Stacking & Combining
Layers on top of your UMass financial aid package and any institutional merit award. Because these funds are at least partly need-aware, accepting additional outside scholarships may adjust the need-based portion of your aid.
📄
How to Apply
Log into AcademicWorks once youâre an enrolled Commonwealth Honors College student and complete the CHC âconditionalâ application. The portal then matches your profile against the Creem, Malone, Lockwood, Cohen, and other Opportunity Scholarships.
💡
Strategic Detail
An umbrella for several donor-funded Opportunity Scholarships (Creem, Malone, Linda Lockwood, Donna E. Cohen, and others) awarded to current CHC students through AcademicWorks. Renewable up to six semesters as long as you stay in CHC in good standing.
🕵
Who Actually Wins
Current Commonwealth Honors College students with demonstrated financial need; many of the underlying donor funds give explicit preference to first-generation college students.
App Required⚠ Upperclassmen Only
Honors Research & Creative Activity Grant
📅 Deadline: Oct 8 priority (spring funding) / Apr 8 priority (fall funding); rolling after
Non-Renewable
🎓 Upperclassmen
✚
Stacking & Combining
A one-time materials/activities grant that supplements your regular aid package â it pays for the costs of doing the research, not for tuition.
📄
How to Apply
Submit a project proposal and budget through CHCâs PATHS portal, with a faculty mentor endorsement. Two priority cycles each year â applications stay open on a rolling basis after each priority date until funds run out.
✎ Essays💌 Letters of Rec
💡
Strategic Detail
Pays for materials, supplies, and activities directly tied to a junior or senior CHC studentâs research or creative project (up to $1,000). Strong proposals beat strong GPAs here â the budget should be specific and the project clearly scoped.
🕵
Who Actually Wins
Junior and senior CHC students with an active research project, creative work, or honors thesis underway and a faculty mentor willing to support the proposal.
Automatic⚠ Transfer Only
Honors-to-Honors Scholarship (Transfer)
📅 Deadline: On MassTransfer application
✓ Renews (2 yrs)
🎓 Transfer
✚
Stacking & Combining
Can be combined with a UMass tuition credit, MassTransfer benefits, and outside awards up to cost of attendance. Itâs designed to bridge community college honors students into a four-year honors experience without losing momentum.
💡
Strategic Detail
$6,000/year for two consecutive years (four semesters) for Massachusetts community college honors transfers entering CHC. Selected by a committee from Academic Affairs and Commonwealth Honors College. You must accept the CHC invitation for the award to disburse.
🕵
Who Actually Wins
Massachusetts community college honors students transferring into Commonwealth Honors College â preference for low-income or first-generation students in approved MassTransfer programs. Students who donât complete their CC honors program but maintain a 3.5 GPA each semester (two or more semesters completed) in an approved MassTransfer pathway can also qualify.
Automatic
Honors College Community Scholarships
📅 Deadline: Awarded at admission (no separate application)
✓ Renews (4 yrs)
$1,000â$2,000/yr
✔ Stackable
Holistic / Status Based
✚
Stacking & Combining
Layers on top of other UMass institutional aid and outside scholarships up to your full cost of attendance. As a need-aware fund, total need-based aid may be rebalanced if outside scholarships shift your financial picture.
💡
Strategic Detail
Donor-supported fund built by CHC alumni, parents, faculty, and staff to make Honors accessible regardless of family income. Provides up to four years of support; the specific award range varies by year based on donor giving and pool of eligible students.
🕵
Who Actually Wins
Incoming first-year Commonwealth Honors College students with demonstrated financial need, with explicit preference for first-generation college students and students from low- to middle-income families.
* GPA/test bands are estimates based on official selectivity and prior cohort profiles. "Who Actually Wins" insights are pulled from external peer-sourced data where students and parents have reported real-world award results. Because colleges can change funding thresholds and deadlines at any time, always verify these details with the institution before finalizing your application strategy.
FAQs: UMass Amherst Honors College
How do students get an Honors invite? Review is automatic for all applicants; decisions rely on GPA (3.8+), test scores (optional but help), essays, leadership, and course rigor[web:1600][web:1637].
Are there special Honors scholarships? YesâHonors Opportunity Scholarships, Chancellorâs full scholarships, research grants, and community awards, many with a need or diversity focus.
Are Honors scholarships renewable? Most are renewable, usually for up to four years (or six semesters for transfers) if students stay in good standing.
What about research/project funding? UMass Honors students can apply for $1,000+ research or thesis funding and travel stipends for conferences every year, with faculty approval.
Can transfer/first-gen/low-income students win? YesâHonors-to-Honors and Community Scholarships prefer first-gen, transfer, and underrepresented backgrounds (see AcademicWorks).
Is there dedicated Honors housing? Yesâfirst-year students and eligible sophomores/juniors can pick from Honors Living-Learning suites and apartments.
Can you opt out of Honors? Yesâif the requirements feel like too much, students can choose not to accept the invitation or withdraw later.
Does Honors help career/grad school prospects? YesâHonors research, close faculty, and leadership often give UMass grads a boost for grad or professional school.
â College Specialty
UMass Amherst is one of those flagship public universities that gives students the âbig universityâ resources â research labs, major employers recruiting on campus, and tons of academic options â without losing that classic college-town feel. Itâs especially known for standout programs in business, engineering, and computing, plus a strong bench of STEM and applied science programs that connect directly to internships and real careers. If your student wants a school where they can explore, pivot majors, and still have serious academic credibility on their rĂŠsumĂŠ, UMass is built for that.
Nationally Known Program:
Isenberg School of Management (Business) â widely recognized for strong undergraduate business pathways (including finance, accounting, operations, and analytics) and a reputation that travels well beyond New England.
- Computer Science & Computing: Strong options for students interested in software, data, and tech careers, with plenty of pathways into internships and research projects.
- Engineering: A solid launchpad for hands-on learners â especially students who want practical engineering experience, labs, and project-based coursework.
- Public Health & Health Sciences: A popular track for students headed toward healthcare, research, or graduate study, with strong advising and real-world field opportunities.
- Food Science & Agriculture: A standout area for students interested in nutrition, food systems, sustainability, and applied science â a niche strength that many families donât realize UMass does extremely well.
đ Official Links â University of Massachusetts Amherst
đŹ Final Thoughts
The University of Massachusetts Amherst combines flagship-level opportunity with a strong sense of community and purpose.
As an R1 research university, UMass offers outstanding programs in business, computer science, public health, and the humanitiesâwhile keeping an eye on real affordability for families.
Its automatic merit awards and Honors College pathways create options for students at every achievement level.
For families looking for a nationally ranked public university that delivers both academic excellence and long-term value, UMass Amherst more than earns its reputation.
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