Cost & ROI · 2026
Is Miami University-Middletown worth it?
Pay $10,809/yr after aid. Graduates earn a median of $55,076 ten years out — about 5.1× the annual cost. EduGradify value grade: A.
The ROI math, in 30 seconds
Benchmarks
Miami University-Middletown vs Ohio avg vs national avg
How this school stacks up against the typical Ohio college and the typical US college.
| Metric | Miami University-Middletown | Ohio avg | National avg |
|---|---|---|---|
| Avg net price | ▲ $10,809 | $19,055 | $18,467 |
| Median earnings 10y | ▲ $55,076 | $50,599 | $50,834 |
| Median debt | ▼ $23,000 | $21,844 | $19,694 |
| Graduation rate | ▼ 31.8% | 47.3% | 49.9% |
| Acceptance rate | — | 72.8% | 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 $59,560 over four years. Most students get $4,081/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $23,000 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 42% 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 Miami University-Middletown grad earns about $403,040 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 Miami University-Middletown
The average student at Miami University-Middletown pays $10,809 a year after grants and scholarships, against a $14,890 published sticker price. That is below the OH average net price of $19,055.
Ten years after entry, graduates earn a median of $55,076 — above the OH median of $50,599. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $23,000, roughly $250 a month on a standard ten-year plan — a moderate load at about 42% of one year's median earnings.
Smart alternatives
Cheaper Ohio colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of Miami University-Middletown.
Saint Clairsville, OH · Public Ohio University-Eastern Campus A+ 
Lancaster, OH · Public Ohio University-Lancaster Campus A+ 
Zanesville, OH · Public Ohio University-Zanesville Campus A+ Frequently asked
Cost & ROI questions
What is the net price at Miami University-Middletown?
The average net price — what students actually pay after grants and scholarships — is $10,809 per year. That's $4,081/yr in financial aid against the $14,890 sticker price. Over four years, that adds up to roughly $43,236.
How much do Miami University-Middletown graduates earn?
Ten years after enrolling, Miami University-Middletown graduates earn a median of $55,076 per year — above the national average of $50,834. That's about 5.1× the annual net cost.
How much debt do Miami University-Middletown graduates take on?
Median federal loan debt at graduation is $23,000 — about $250/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 28.4% of students take federal loans.
Is Miami University-Middletown worth the cost?
EduGradify assigns Miami University-Middletown a value grade of A — top 18% on real ROI nationally. The math: pay $10,809/yr, earn $55,076/yr ten years out, ROI score of 12.74. Exceptional Investment.
What financial aid is available at Miami University-Middletown?
27.2% of students receive federal Pell Grants (need-based federal aid). 28.4% take federal student loans. On average, students get $4,081 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at Miami University-Middletown?
In-state tuition is $7,491 per year. Out-of-state tuition is $19,407 per year — a difference of $11,916/yr or $47,664 over four years.
How does net price change with family income at Miami University-Middletown?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $7,452. Students from families earning over $110k pay about $13,354. 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 →