Cost & ROI · 2026
Is California State University-Monterey Bay worth it?
Pay $13,663/yr after aid. Graduates earn a median of $59,247 ten years out — about 4.3× the annual cost. EduGradify value grade: A.
The ROI math, in 30 seconds
Benchmarks
California State University-Monterey Bay vs California avg vs national avg
How this school stacks up against the typical California college and the typical US college.
| Metric | California State University-Monterey Bay | California avg | National avg |
|---|---|---|---|
| Avg net price | ▲ $13,663 | $19,903 | $18,467 |
| Median earnings 10y | ▲ $59,247 | $55,363 | $50,834 |
| Median debt | ▲ $12,750 | $17,539 | $19,694 |
| Graduation rate | ▲ 59.1% | 54.3% | 49.9% |
| Acceptance rate | ▲ 97.4% | 66% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $107,948 over four years. Most students get $13,324/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $12,750 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 22% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're well below that threshold.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median California State University-Monterey Bay grad earns about $569,880 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about California State University-Monterey Bay
The average student at California State University-Monterey Bay pays $13,663 a year after grants and scholarships, against a $26,987 published sticker price. That is below the CA average net price of $19,903.
Ten years after entry, graduates earn a median of $59,247 — above the CA median of $55,363. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $12,750, roughly $138 a month on a standard ten-year plan — a manageable load at about 22% of one year's median earnings.
Smart alternatives
Cheaper California colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of California State University-Monterey Bay.
San Mateo, CA · Public College of San Mateo A+ Frequently asked
Cost & ROI questions
What is the net price at California State University-Monterey Bay?
The average net price — what students actually pay after grants and scholarships — is $13,663 per year. That's $13,324/yr in financial aid against the $26,987 sticker price. Over four years, that adds up to roughly $54,652.
How much do California State University-Monterey Bay graduates earn?
Ten years after enrolling, California State University-Monterey Bay graduates earn a median of $59,247 per year — above the national average of $50,834. That's about 4.3× the annual net cost.
How much debt do California State University-Monterey Bay graduates take on?
Median federal loan debt at graduation is $12,750 — about $138/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 28.5% of students take federal loans.
Is California State University-Monterey Bay worth the cost?
EduGradify assigns California State University-Monterey Bay a value grade of A — top 25% on real ROI nationally. The math: pay $13,663/yr, earn $59,247/yr ten years out, ROI score of 10.84. Exceptional Investment.
What financial aid is available at California State University-Monterey Bay?
43.2% of students receive federal Pell Grants (need-based federal aid). 28.5% take federal student loans. On average, students get $13,324 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at California State University-Monterey Bay?
In-state tuition is $7,779 per year. Out-of-state tuition is $20,379 per year — a difference of $12,600/yr or $50,400 over four years.
How does net price change with family income at California State University-Monterey Bay?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $9,970. Students from families earning over $110k pay about $22,818. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →