10 Cheapest and Most Affordable Colleges in Iowa

Iowa is a smart place to start if you’re searching for a high-quality college education that won’t leave you drowning in debt. Known for its welcoming communities, low cost of living, and nationally recognized universities, Iowa consistently ranks among the most affordable states for higher education. Whether you’re from a rural farming town or a growing city like Des Moines or Iowa City, you’ll find that Iowa’s colleges and universities offer a solid mix of academic rigor and financial accessibility. With in-state tuition rates well below the national average and generous financial aid programs like the Iowa Tuition Grant and Last-Dollar Scholarship, getting your degree here might cost much less than you think.

But the appeal goes beyond just low tuition. Iowa’s colleges are deeply connected to industries like agriculture, insurance, manufacturing, and renewable energy, meaning you’re saving money and investing in a future with real job opportunities. With top employers like Principal Financial, John Deere, and Casey’s General Stores hiring locally, many Iowa schools have built-in pipelines to internships and careers. 

Small class sizes, tight-knit campus communities, and personalized student support make the learning experience even stronger. If you’re looking for value, Iowa delivers it in every sense: academically, financially, and professionally.

Key Takeaways

• Iowa offers some of the lowest college tuition rates in the U.S., with public universities averaging around $9,000 per year for in-state students.
• Comprehensive financial aid programs like the Iowa Tuition Grant and Last-Dollar Scholarship can make college even more affordable.
• Colleges are aligned with key local industries, giving students strong job prospects in agriculture, biosciences, insurance, and renewable energy.
• Low cost of living across Iowa helps reduce overall student expenses, including housing, food, and transportation.
• Strong student support systems and small class sizes make Iowa colleges ideal for focused, personalized education.

10 Most Affordable Colleges in Iowa

Iowa is one of the best states for affordable, high-quality higher education. The ten colleges listed here offer excellent academic programs, generous financial aid, and low in-state tuition. Whether you’re looking for a career-focused degree or a research-driven experience, these schools deliver strong outcomes at a cost that won’t derail your future.

University of Northern Iowa

The University of Northern Iowa in Cedar Falls is a public university offering a strong foundation in liberal arts with nationally recognized programs in teaching, business, and applied technology. It emphasizes student engagement, affordability, and career preparation.

Main Courses

UNI is best known for its teacher education program, but it also offers well-rounded majors in business administration, digital media, environmental science, and information technology. The school focuses on practical, career-ready education across a variety of disciplines.

Pros

• Low in-state tuition compared to other public universities in Iowa
• Strong emphasis on teaching and hands-on learning
• Excellent career placement support, especially for educators
• Compact, accessible campus with personalized student services

Cons

• Fewer graduate and doctoral program options
• Limited research funding compared to larger universities
• Smaller alumni network outside the Midwest

Average Annual In-State Tuition: $8,900

Iowa State University

Iowa State University in Ames is a major public research institution with world-renowned programs in engineering and agriculture. Its emphasis on innovation and technology makes it a top choice for students pursuing careers in STEM fields.

Main Courses

The university offers leading programs in mechanical, civil, and software engineering; agronomy and animal science; veterinary medicine; supply chain management; and biological systems engineering. ISU also offers a broad array of science, business, and liberal arts majors.

Pros

• Globally recognized engineering and agricultural science departments
• Extensive research opportunities with industry partnerships
• Strong co-op and internship pipelines in technical fields
• The campus is equipped with state-of-the-art laboratories and facilities

Cons

• Larger class sizes in introductory and general education courses
• The rural location may not appeal to students seeking an urban experience
• Some majors have highly competitive admission requirements

Average Annual In-State Tuition: $8,988

University of Iowa

The University of Iowa, located in Iowa City, is the state’s oldest and most comprehensive public university. It’s especially well known for its programs in health sciences, law, creative writing, and public policy.

Main Courses

The university offers standout programs in pre-med and nursing, creative writing (including the Iowa Writers’ Workshop), public health, business analytics, law, and psychology. Students have access to a wide range of majors and top-tier research facilities.

Pros

• Prestigious professional schools in law, medicine, and health sciences
• National reputation for creative arts and humanities programs
• Strong research funding and faculty mentorship opportunities
• The dynamic college town with cultural and social activities

Cons

• Higher tuition than other public universities in the state
• The large campus and administrative structure can feel overwhelming
• More competitive admissions for selective programs

Average Annual In-State Tuition: $9,267

Mercy College of Health Sciences

Mercy College of Health Sciences in Des Moines is a private institution focused exclusively on healthcare education. It offers career-driven programs and clinical training in a metropolitan setting, with strong ties to Iowa’s largest health systems.

Main Courses

Mercy specializes in nursing, diagnostic medical sonography, health sciences, radiologic technology, paramedic science, and medical laboratory science. Many programs are offered in accelerated or hybrid formats to meet the needs of adult learners and career changers.

Pros

• Career-focused programs with direct clinical placements
• High licensure exam pass rates in nursing and allied health
• Flexible scheduling with evening and online courses
• Strong job placement rates within Iowa’s healthcare sector

Cons

• Higher tuition than public options
• Narrow academic focus limited to healthcare fields
• Fewer campus life opportunities due to the small student population

Average Annual In-State Tuition: $17,950

Emmaus Bible College

Emmaus Bible College is a small private Christian college in Dubuque, offering affordable faith-based education with a strong focus on biblical studies and ministry preparation. It attracts students seeking a spiritually grounded academic environment.

Main Courses

Programs include biblical studies, youth ministry, counseling, Christian education, and select dual majors in business administration, computer science, or nursing through partner institutions. All students complete a core curriculum in Bible and theology.

Pros

• Affordable tuition for a private religious college
• Strong emphasis on Christian worldview and ministry training
• Supportive campus culture and small class sizes
• Dual degree options in professional fields

Cons

• Very limited major selection outside religious studies
• Small campus and student body
• Not ideal for students seeking secular or research-focused programs

Average Annual In-State Tuition: $18,400

Northwestern College

Northwestern College is a private Christian liberal arts college located in Orange City. It combines academic rigor with faith-based learning and offers a strong sense of community on a scenic campus in northwest Iowa.

Main Courses

You’ll find standout programs in nursing, education, biology, business, and athletic training. The college also offers degrees in art, computer science, psychology, and theology, with a strong liberal arts core that integrates Christian values into the curriculum.

Pros

• Accredited nursing and education programs with excellent outcomes
• Supportive, faith-based campus environment
• Modern facilities and hands-on learning opportunities
• High student satisfaction and retention rates

Cons

• Higher tuition than public universities
• The small rural location may limit access to internships or city life
• Limited diversity in academic offerings for some specialized fields

Average Annual In-State Tuition: $35,350

William Penn University

William Penn University is a private Quaker institution in Oskaloosa offering values-based education with a focus on community and service. Its programs are built around developing leadership and practical skills.

Main Courses

Key programs include business administration, education, sports management, industrial technology, and human services. The university blends liberal arts with career-oriented training and faith-centered development.

Pros

• Strong focus on values-based and ethical education
• Small class sizes with personalized support
• Diverse student population
• Emphasis on career readiness through internships and mentorships

Cons

• Higher tuition compared to public colleges
• The smaller student body limits networking opportunities
• Fewer research resources

Average Annual In-State Tuition: $25,600

Grand View University

Located in the heart of Des Moines, Grand View University is a private liberal arts school with a modern, urban campus. It offers professionally focused degrees designed to prepare students for Iowa’s job market.

Main Courses

Top programs include business, nursing, education, biology, and digital media. The school also has strong offerings in graphic design, criminal justice, and kinesiology, combining classroom learning with hands-on experience.

Pros

• Great location with access to Des Moines employers
• Career-focused programs and internship pathways
• Strong support services and student engagement
• Modern campus with small class sizes

Cons

• Higher tuition than public universities
• Limited graduate programs
• Commuter-heavy culture

Average Annual In-State Tuition: $27,600

Graceland University

Graceland University is a private liberal arts university in Lamoni affiliated with the Community of Christ. It emphasizes a close-knit campus and holistic education focused on service and leadership.

Main Courses

Programs include nursing, elementary education, business administration, biology, psychology, and sport management. Graceland also offers online and graduate programs, particularly in healthcare and education.

Pros

• Supportive, student-centered learning environment
• Accredited nursing and education programs
• Quiet campus ideal for focused study
• Strong alumni engagement

Cons

• Higher private tuition
• Limited research opportunities
• The small campus may not suit everyone

Average Annual In-State Tuition: $29,940

Clarke University

Located in Dubuque, Clarke University is a small Catholic institution known for personalized learning and professional programs. It emphasizes community, academic excellence, and personal growth.

Main Courses

Standout offerings include nursing, physical therapy, business, education, and liberal arts. Clarke is especially well-regarded for its direct-entry nursing program and strong faculty mentoring.

Pros

• Excellent student-faculty ratios and advising support
• Strong health sciences programs
• Catholic values with an inclusive campus culture
• Attractive historic campus

Cons

• Highest tuition among Iowa colleges listed
• Limited national name recognition
• A smaller number of majors to choose from

Average Annual In-State Tuition: $33,100

Key Requirements for Enrolling in the Most Affordable Iowa Colleges

You’ll need to complete a few key steps to make the most of Iowa’s affordable college options. These ensure you’re eligible for in-state tuition, financial aid, and the best scholarship opportunities available. Most requirements are similar across schools, especially for public institutions, but it’s important to follow each college’s specific application process and deadlines.

The following are essential for maximizing your savings and ensuring a smooth enrollment process:

Complete Application Form Submission

You’ll typically apply through the college’s own website or the Common App. Make sure to fill out every section carefully, including personal statements, extracurriculars, and optional questions about background or financial need. These details often factor into scholarship and program placement decisions.

Official High School Transcripts

Colleges in Iowa require official transcripts or GED documentation to assess your academic eligibility. These are typically sent directly from your school and help determine placement, selective program admission, and merit-based scholarship eligibility.

Iowa Residency Status Verification

You’ll need to verify your Iowa residency to qualify for in-state tuition rates. This often involves providing a state ID or driver’s license, voter registration, lease agreement, or recent state tax return. Establishing residency can dramatically lower your tuition costs, often by over 60%.

ACT or SAT Scores

Most Iowa colleges still accept or require standardized test scores. While some have adopted test-optional policies, submitting ACT or SAT results can help improve your chances for admission and access to scholarships. ACT scores are particularly common in Iowa, so they’re often weighted more heavily.

FAFSA Financial Aid Application

The Free Application for Federal Student Aid (FAFSA) is your gateway to grants, loans, and work-study programs. Iowa also uses it to determine eligibility for state-specific aid like the Iowa Tuition Grant or Future Ready Iowa Last-Dollar Scholarship. Complete it as early as possible to access the most aid.

How Do Iowa College Costs Compare to National Averages

Iowa consistently ranks as one of the most affordable states for higher education. Public college tuition typically falls 15 to 25 percent below the national average. For example, while the national in-state average is around $10,700 per year, Iowa residents often pay between $9,000 and $10,500.

But the real savings extend beyond tuition. Iowa’s cost of living is much lower than in many other states. Rent, groceries, transportation, and other living expenses can be 20 to 35 percent below national levels, especially if you’re attending school in a rural or small-town setting.

Other cost-saving advantages include:

• State and institutional financial aid that stacks with federal aid
• Free or low-cost textbooks and tech programs at some schools
• Work-study and paid internships tied to Iowa’s core industries
• Low student-to-faculty ratios that reduce time-to-degree and unnecessary credits

This means the total cost of attendance, not just tuition, can be significantly lower in Iowa than in most other states.

What Are the Tuition Fees for International Students at Affordable Iowa Colleges

International students attending Iowa’s public colleges will pay non-resident tuition rates, which are generally 2.5 to 3 times higher than in-state costs. Depending on the school and program, this translates to approximately $18,000 to $26,000 per year.

Even so, these rates are still considered affordable compared to colleges in more expensive states. Plus, Iowa’s low cost of living makes day-to-day expenses more manageable, especially for students living off campus.

Other financial considerations for international students include:

• Mandatory health insurance, typically $1,600 to $2,200 per year
• Visa and SEVIS fees, plus campus-specific international service fees
• Housing and meals, which are lower-cost in rural areas like Lamoni or Oskaloosa, and moderately priced in cities like Des Moines or Iowa City
• Opportunities for on-campus work or part-time employment, especially in agriculture, retail, and food service

Despite higher base tuition, Iowa still offers international students strong academic programs and excellent value when compared to other U.S. states.

How Does University of the People Compare with Most Affordable Colleges in Iowa

University of the People (UoPeople) offers a unique alternative to even Iowa’s most affordable colleges. While UoPeople is tuition-free, you are responsible for assessment fees: $160 per undergraduate course, $250 for certificates, and $450 for most graduate-level assessments. These costs add up to about $6,400 for a bachelor’s degree, often lower than Iowa’s yearly tuition even after financial aid.

When it comes to accreditation, University of the People holds accreditation from the DEAC and is also recognized by the WASC Senior College and University Commission (WSCUC), meeting U.S. academic standards on par with Iowa’s public institutions.

That said, the structure and experience are very different. UoPeople is a fully online, asynchronous university that’s ideal if you’re looking for flexibility, affordability, and access from anywhere in the world. Iowa’s colleges, by contrast, offer more traditional campus experiences with small class sizes, hands-on training, and strong ties to Iowa’s workforce, particularly in agriculture, education, healthcare, and engineering.

If you need maximum affordability and global access, UoPeople is the better fit. But if you value classroom learning, campus support, in-state scholarships, and local job pipelines, Iowa’s colleges offer tremendous long-term value.

Ready to Choose the Most Affordable College?

Choosing the right college in Iowa means looking beyond just tuition numbers. You’ll want to think about total costs, including housing, books, transportation, and food. Be sure to explore every financial aid option, including Iowa’s own grant and scholarship programs, which can significantly reduce your out-of-pocket costs.

It’s also worth considering your career goals. Iowa’s colleges align well with the state’s economic strengths, like agriculture, biosciences, insurance, and energy, so choosing a school with strong ties to these sectors can pay off after graduation.

Do your research by visiting campuses, talking with admissions advisors, and reading up on student support services. A great college experience is more than just affordability; it’s about finding the right fit for your goals, learning style, and future career path in Iowa or beyond.

FAQs

What is the average tuition at Iowa’s most affordable colleges?

In-state tuition at Iowa’s most affordable colleges typically ranges from $8,900 to $10,500 per year.

Which Iowa college has the lowest in-state tuition rates?

The University of Northern Iowa currently offers the lowest in-state tuition among Iowa’s public universities.

What financial aid programs are available at Iowa colleges?

Students may qualify for federal aid, state aid (like the Iowa Tuition Grant or Last-Dollar Scholarship), institutional merit-based scholarships, and work-study programs.

What are the hidden costs at Iowa’s affordable colleges?

Hidden costs can include textbooks, lab fees, transportation, off-campus housing, and personal expenses. Some schools also charge technology or campus service fees.

Which Iowa college has the highest graduation rate?

The University of Iowa and Iowa State University generally report the highest graduation rates among the state’s public institutions.

Which Iowa college has the best job placement rates?

Mercy College of Health Sciences and other career-focused institutions often report strong placement rates, particularly in healthcare and nursing fields.