Cheapest In-State Tuition: Find the Most Affordable Colleges in Your State

Alison Plaut
By
Updated on May 8, 2025
Edited by
    In-state tuition could help you save up to $80,000 on a bachelor’s degree. Find the cheapest schools in your state to leverage your residence to save money.
    Are you ready to discover your college program?

    In-state college tuition costs an average of 35% of the cost of out-of-state tuition, meaning you could save as much as $80,000 on a bachelor’s degree program by attending an in-state school. Many states even have reciprocity agreements that allow you to earn degrees or attend specialized programs not available in your home state while still paying in-state tuition rates.

    How much you can save depends on your school’s in-state and out-of-state tuition and whether you attend a flagship university or regional university. Click on your home state or explore other states on the interactive U.S. map here to find the cheapest college, lowest in-state tuition, and reciprocity agreements to save more on college.

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    What Is In-State Tuition?

    Public colleges and universities offer lower tuition rates to students who are state residents. If you want to save on tuition, your local, publicly funded state institutions are the best place to start.

    The reasons are twofold. First, more residents who hold college degrees can promote economic development, so helping you save on tuition is a win-win for your state. States also use a portion of tax revenue to fund public institutions, meaning you may have, in effect, already paid to support these colleges.

    Each state’s flagship university leads research and innovation. Flagship institutions typically offer more doctoral programs and have higher tuition than state schools.

    You can also consider starting at a community college to save on tuition. These two-year schools often allow you to transfer credits to a four-year university, including flagship or regional institutions, where you can complete your bachelor’s degree program or pursue graduate studies.

    What is tuition reciprocity?

    Tuition reciprocity, or tuition exchanges, means states agree to offer discounted or in-state tuition rates to students from certain other states, usually within a region. For example, participating colleges in Texas have reciprocity with other Southern states, including Florida and Arkansas, while California has reciprocity with Western states, including Oregon, Colorado, and Idaho.

    State-by-State Breakdown

    Public Colleges in U.S. Territories

    Most U.S. territories have only one public institution that offers reduced tuition for its residents. Here are the major universities in U.S. territories:

    • American Samoa Community College: Located in Pago Pago, American Samoa, it offers 195associate degrees and three bachelor’s degrees.
    • University of Guam: Located in Mangilao, Guam’s flagship university has 444 associate degree programs and 155 bachelor’s degrees.
    • Northern Marianas College: Located in Saipan, Northern Mariana Islands, this college has 170associate degree programs and 74 bachelor’s degrees.
    • University of the Virgin Islands: With locations in Charlotte Amalie and St. Croix, this public university offers 20 associate degrees, 167 bachelor’s degrees, 54 master’s degrees, and 13 doctoral programs.

    Frequently Asked Questions About In-State Tuition


    What is in-state tuition?

    In-state tuition is lower tuition you’ll pay at public colleges and universities if you’re a state resident. According to the National Center for Education Statistics, the average in-state tuition for the 2022-2023 school year was 35% of the cost of out-of-state tuition and 27% that of private college tuition, although that percentage varies by state.

    Reciprocity agreements allow you to access in-state tuition in specific programs or colleges in other states. On this page, you can search your state and find its reciprocity agreements to unlock lower tuition in additional states.

    How do I qualify for in-state tuition?

    How long you have to live in a state to qualify for in-state tuition varies by state, but most require at least 12 months of residency. Alaska, on the other hand, requires 24 months, and Arkansas only requires six months.

    Some states also examine family financial support and the age of majority to determine your state of residence. Generally, you can be considered a resident of your parents’ home state until age 18-24.

    What’s the difference between a flagship university and other state universities?

    Flagship refers to the leader of a group. While other state universities may also perform research or be the same age, flagship institutions most often lead educational initiatives, doctoral programs, and advanced research for the state.

    A state’s flagship university is usually the first public research university established in the state. These universities are known for research-intensive departments, doctoral degree programs, and rigorous academics. Flagship universities’ athletic teams often compete in the NCAA Division I.

    Can I get in-state tuition if I recently moved?

    Whether you qualify for in-state tuition if you recently moved depends on how long you’ve lived in the new state and its policies for state residency. If you just moved, you may still be eligible for in-state tuition in the state you moved away from.

    For example, if you graduate from a New York high school, you’re typically eligible for CUNY in-state tuition even if you no longer live in New York. You may also be eligible for state reciprocity agreements from your previous home state.

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