Credible takeaways
- The average tuition and fees at community college are $4,050 for in-district students in 2024-25.
- When you factor in housing, food, books, transportation, and other expenses, the total cost of attendance averages $20,570 per year.
- Many states offer free or discounted community college tuition through state grant programs. To qualify, you'll need to submit the FAFSA.
- Financial aid is widely available and may include grants, scholarships, and federal or private student loans.
The average cost of tuition and fees at a community college is $4,050 per year for in-district students, according to 2024-25 College Board data. However, while community college is typically much less expensive than a four-year school, total costs can vary widely. Some states offer free tuition, while others charge different rates depending on whether you live in the district or out of state.
Here's what to know about how much community college costs and how to plan for it.
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How much is community college in 2025?
The average cost of tuition and fees at a community college is $4,050 for in-district students in the 2024-25 academic year, according to the College Board. That means it typically costs $8,100 to earn an associate degree in two years.
See Also: Best Community College Student Loans
However, that number can vary depending on the school and whether you live in the district or out of state. “Community colleges are public colleges, so out-of-state costs are higher than in-state,” says Jack Wang, a wealth adviser at Innovative Advisory Group who specializes in college financial planning.
Additional costs beyond tuition and fees
Tuition and fees are only part of the total cost of attending community college. You'll also need to budget for transportation, books, supplies, and any required equipment for your classes.
Housing and food are other major expenses. If you're able to live at home rent-free, you can save a significant amount. But if you need to live on or near campus, housing costs can add up quickly.
When you add everything together, the average total cost of attending community college in 2024-25 comes to $20,570 per year for in-district students.
Source: CollegeBoard
Can I go to community college for free?
More than 30 states offer some form of tuition-free community college, typically through first-dollar or last-dollar scholarship programs. First-dollar programs cover tuition before other financial aid is applied, while last-dollar programs cover what's left after grants and scholarships.
“Many states offer free or discounted community college, and this is done via state grants,” says Robert Farrington, founder of The College Investor. “You can receive those by filling out the FAFSA.”
Note
In some states, the funding only applies to certain schools, career programs, or income levels. Check with your state’s higher education agency to see what programs are available and whether you qualify.
In-state vs. out-of-state community college costs
Community colleges usually offer the lowest tuition rates to in-district students, those who live within the college's service area. Out-of-district and out-of-state students typically pay more.
For example, at the Community College of Philadelphia:
- Philadelphia residents pay $159 per credit hour.
- Other Pennsylvania residents pay $318 per credit hour.
- Out-of-state students pay $477 per credit hour.
Before applying, check how your residency status will affect what you pay.
Community college vs. 4-year college tuition
Community college is significantly more affordable than a four-year college, which makes it a popular option for students looking to earn an associate degree or transfer later to complete a bachelor's.
Another key difference is how costs are displayed. “Community colleges typically show their prices as per credit hour rather than the estimated cost with a full-time course load,” explains Wang.
For the 2024-25 academic year, here's how average tuition and fees compare across types of colleges:
Source: CollegeBoard
Editor insight: “Starting at a community college can be a smart way to save money while completing your general education requirements. I recommend looking for a school that has a '2+2 agreement' with a four-year college or university. These agreements help ensure your credits will transfer, so you won't lose progress when it's time to finish your bachelor's degree.”
— Kelly Larsen, Student Loans Editor, Credible
How to pay for community college
There are several ways to cover the cost of community college, and financial aid is widely available. Here are some of the most common options:
- Pell Grants: If you have financial need, you may qualify for a federal Pell Grant to help pay for community college. These grants don't need to be repaid and, in some cases, can cover a large portion of your tuition.
- State grants: Many states offer their own grant programs to help high school graduates pay for community college. You'll need to submit the FAFSA to determine your eligibility, and some states may require a separate application.
- Work-study: If you have financial need, the federal work-study program can help you earn money through part-time employment to cover educational expenses.
- Federal student loans: Students enrolled at least half-time may be eligible for federal Direct Subsidized and Unsubsidized Loans. These loans aren't based on credit and come with low starting interest rates, income-driven repayment plans, and access to forgiveness programs.
- Private student loans: Community college is generally affordable, and most students won't need private loans. But if you've maxed out your federal aid, private student loans are available. Just keep in mind that they come with fewer borrower protections, and rates are based on your credit and income.
FAQ
How much is community college?
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How much does community college cost per credit hour?
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