10 Cheapest and Most Affordable Colleges in New York

Higher education in New York might seem expensive at first glance, especially with many top-ranked private institutions and well-known universities in the state. But if you look a little deeper, you’ll find that New York actually has some excellent affordable college options—whether you’re hoping to stay close to home, transfer from a community college, or attend a local college while balancing other responsibilities.

This article highlights the 10 most affordable colleges in New York, each selected for offering strong academic programs, reasonable tuition rates, and access to generous financial aid. These schools represent a range of public and private institutions that make higher education more accessible and sustainable for students with different budgets and goals.

We’ll break down tuition costs, scholarship opportunities, and what each school offers in terms of academic flexibility and student support. If you’re serious about saving money while still getting a solid education, these affordable colleges in New York are worth a close look.

Why You Should Get a Degree in New York

Earning a degree in New York comes with serious perks. The state is home to industries that shape the world—finance, healthcare, tech, media, fashion—you name it. Whether you’re studying in Manhattan or upstate, you’ll have access to internships and job opportunities that can set you up for long-term career success.

New York also has some of the best public universities in the country through the SUNY and CUNY systems. These institutions offer high-quality degree programs in business, healthcare, computer science, liberal arts, and more—all while keeping tuition relatively low for in-state students.

On top of that, New York makes education more affordable through programs like the Excelsior Scholarship, which covers tuition for eligible students, and TAP (Tuition Assistance Program), one of the most generous state aid programs in the U.S. Combine that with institutional scholarships and you’ll see why studying here can be a smart move financially and professionally.

10 Most Affordable Colleges in New York

New York continues to invest in affordable higher education through its SUNY and CUNY systems, offering quality degree programs and financial support. Whether you’re looking for a public university with affordable tuition or a private school that offers personalized support, there are plenty of options to consider.

Let’s examine each one’s programs, pricing, and student experience in more detail.

Empire State University

Empire State University is part of the State University of New York (SUNY) system and is known for its flexible, student-centered approach. It primarily serves adult learners and transfer students, offering generous credit transfer policies and academic advising that supports nontraditional paths.

Main Courses

• Business Management – Prepares students for leadership roles across industries.
• Human Services – Focuses on advocacy, social care, and nonprofit work.
• Information Technology – Covers cybersecurity, systems design, and programming.
• Labor Studies – Offers insight into labor relations, unions, and workforce policy.
• Liberal Arts – Provides a customizable foundation in the humanities and social sciences.

Pros

• Flexible course schedules and generous transfer policies
• Prior learning assessments and credit for work experience
• Personalized academic advising for nontraditional students

Cons

• Limited campus life and in-person networking
• Fewer graduate-level online program offerings

Average Annual In-State Tuition

$7,070 – A leading value in New York for flexible degree programs tailored to adult learners.

SUNY Polytechnic Institute

SUNY Polytechnic Institute (SUNY Poly) is one of the most affordable and respected public colleges in New York for students interested in technology and innovation. While it specializes in high-demand STEM fields, it also offers several online options built on the same academic rigor as its on-campus programs.

Main Courses

• Accounting – Emphasizes financial reporting, auditing, and tax prep.
• Computer Information Science – Focuses on databases, systems analysis, and coding.
• Health Information Management – Merges healthcare, IT, and data management.
• Business Administration – Covers finance, marketing, and operations.

Pros

• Strong research focus and access to high-tech facilities
• Close partnerships with employers in science and engineering
• Small student-to-faculty ratio for a public tech university

Cons

• Smaller selection of fully online undergraduate programs
• Some programs may require synchronous components

Average Annual In-State Tuition

$7,100 – Affordable access to a top-tier technical education within the SUNY system.

Lehman College

Lehman College is a senior college in the City University of New York (CUNY) system and serves a diverse population from across New York City and beyond. Its programs focus on preparing students for careers in public service, business, and community development.

Main Courses

• Health Education and Promotion – Focuses on public health strategies and wellness outreach.
• Business – Offers concentrations in management, marketing, and finance.
• Recreation Education – Blends community programming and leadership.
• Sociology – Analyzes social systems, diversity, and policy.

Pros

• Affordable CUNY tuition for NYC residents
• Inclusive learning environment with strong student services
• Programs designed for working professionals

Cons

• Limited fully online bachelor’s degree availability
• Courses may require hybrid attendance or fieldwork components

Average Annual In-State Tuition

$7,120 – An accessible option for CUNY students looking to complete their degrees online or through hybrid formats.

Mercy University

Mercy University is a private nonprofit institution with campuses across the New York City area. It offers career-focused degrees with a strong emphasis on mentoring, small class sizes, and support for first-generation students.

Main Courses

• Nursing (RN to BSN) – Builds on existing credentials for registered nurses.
• Organizational Management – Emphasizes leadership, HR, and team development.
• Psychology – Covers behavioral science and mental health foundations.
• Health Science – Prepares students for healthcare careers or grad school.
• Early Childhood Education – Offers teaching pathways and certification options.

Pros

• Flexible course formats with multiple start dates
• Strong mentoring and career development services

Cons

• Tuition is higher than public alternatives
• Some programs include in-person fieldwork or practicums

Average Annual In-State Tuition

$20,700 – A private college rate that’s often offset by scholarships and financial aid packages.

Hunter College

Hunter College, another member of the CUNY system, is located in Manhattan and offers a strong academic reputation at an affordable price. Students benefit from strong faculty credentials and direct access to New York City’s professional opportunities.

Main Courses

• Liberal Arts – Offers a broad education in humanities and social sciences.
• Education – Includes graduate-level programs for teacher licensure and development.
• Public Health – Focuses on community wellness and health promotion.
• Social Work – Prepares students for clinical and advocacy roles.

Pros

• Exceptional academic reputation across New York
• Faculty with research credentials and professional experience
• Access to NYC-based internships and resources

Cons

• Very competitive admission process
• Online offerings may be limited depending on the semester

Average Annual In-State Tuition

$24,000 – A strong value for a well-ranked college in one of the most vibrant cities in the world.

Baruch College

Baruch College is part of the CUNY system and one of the most respected public business schools in the country. Located in Midtown Manhattan, it offers degrees that align closely with the city’s finance, business, and public policy sectors.

Main Courses

• Business Administration – Focuses on management, marketing, and strategy.
• Finance – Covers investment analysis, corporate finance, and markets.
• Public Affairs – Prepares students for government and nonprofit careers.
• Accounting – Offers CPA-aligned coursework and audit fundamentals.

Pros

• Strong corporate ties and internship placement services
• Highly ranked business faculty and AACSB-accredited programs
• Excellent reputation among NYC employers

Cons

• Competitive admissions with limited online degree availability
• Rigid academic structure may not suit all learning styles

Average Annual In-State Tuition

$31,500 – A top-tier business education at a public price point within the CUNY system.

St. Joseph’s University–New York

St. Joseph’s University is a private Catholic university focused on ethics-driven education and career readiness. It serves a wide range of learners and offers degrees grounded in service, leadership, and liberal arts traditions.

Main Courses

• Nursing (RN to BSN) – Designed for registered nurses advancing their qualifications.
• Organizational Management – Develops leadership and administrative skills.
• Human Services – Prepares students for careers in counseling and social work.
• Business Administration – Focuses on entrepreneurship, ethics, and operations.

Pros

• Small class sizes and personalized instruction
• Flexible schedules for working adults
• Strong support services, including career advising

Cons

• Higher tuition compared to public colleges
• Fewer major options than larger universities

Average Annual In-State Tuition

$31,760 – A private education investment balanced by personalized attention and flexibility.

Brooklyn College

Brooklyn College is part of the CUNY system and offers a rich academic tradition with affordable tuition. Located in one of NYC’s most diverse boroughs, it offers a broad selection of programs and support services.

Main Courses

• Psychology – Offers insights into behavior, cognition, and therapy.
• Business – Covers management, economics, and entrepreneurship.
• English – Emphasizes literature, writing, and communication skills.
• Childhood Education – Prepares students for K–6 classroom roles.

Pros

• Rich cultural diversity and faculty expertise
• Strong liberal arts foundation
• Part of the respected CUNY system

Cons

• May require commuting across NYC boroughs

Average Annual In-State Tuition

$34,500 – A mid-range rate offering access to high-quality programs in NYC.

Molloy University

Molloy University is a private Catholic college on Long Island known for its strong healthcare and professional studies programs. With a focus on leadership, ethics, and service, it prepares students for careers in fields like nursing, healthcare administration, and business.

Main Courses

• Nursing – One of New York’s top-rated RN to BSN programs.
• Healthcare Administration – Focuses on leadership in clinical and public health settings.
• Business Management – Covers leadership, communication, and operations.
• Criminal Justice – Prepares students for law enforcement and legal fields.

Pros

• Strong clinical partnerships and practicum support
• Personalized learning with faculty mentorship
• Emphasis on ethics and service

Cons

• Tuition is significantly higher than public alternatives
• Selective admissions for health-related programs

Average Annual In-State Tuition

$34,550 – Reflects the cost of private healthcare-focused education with professional support.

Syracuse University

Syracuse University is a top-tier private research university offering strong academic programs and a large alumni network. Known for its professional studies and communications programs, it provides extensive student support and experiential learning.

Main Courses

• Communications – Includes digital media, PR, and journalism.
• Information Studies – Covers data analytics, cybersecurity, and tech strategy.
• Business Administration – Offers MBA and executive-level coursework.
• Public Administration – Prepares students for leadership in government and nonprofits.

Pros

• National reputation and alumni network
• Industry-aligned curriculum with real-world projects
• Multiple start dates and part-time options

Cons

• Highest tuition on this list
• Admission can be highly competitive

Average Annual In-State Tuition

$58,440 – A premium investment in one of the country’s most recognized online education brands.

Key Requirements for Enrolling in Most Affordable New York Colleges

New York’s affordable colleges aim to keep higher education accessible, but there are still key requirements you’ll need to meet during the application process. Whether you’re applying to a SUNY or CUNY school—or a private institution—it’s important to stay organized and meet all the necessary deadlines and documentation standards.

High School Diploma

You’ll need to provide an official high school transcript or equivalent, such as a GED certificate. Admissions teams will assess your grades, course rigor, and overall academic history to determine eligibility.

Standardized Test Scores

Some schools still require SAT or ACT scores, especially for competitive programs. However, many SUNY and CUNY campuses have adopted test-optional policies. If you have strong scores, submitting them could still boost your application or help with scholarship eligibility.

New York Residency

To qualify for in-state tuition, you’ll need to prove you’ve lived in New York for at least 12 months before the semester begins. Acceptable documents may include a state ID, utility bills, or a New York State tax return.

FAFSA Financial Form

Completing the Free Application for Federal Student Aid (FAFSA) early is key. It’s used to determine your eligibility for state aid like TAP (Tuition Assistance Program) and the Excelsior Scholarship, in addition to federal grants and loans.

College Application

Different schools use different platforms (like the SUNY or CUNY application portals). Be sure to fill out all fields accurately, upload required documents, and submit by the school’s stated deadline.

Recommendation Letters

Some colleges—particularly private institutions—ask for letters of recommendation from teachers, counselors, or employers. Make sure to request these in advance and follow the submission guidelines.

How Do New York College Costs Compare to National Averages?

New York offers a broad spectrum of tuition rates, but many public colleges in the SUNY and CUNY systems remain below national averages. In-state students at SUNY schools generally pay around $7,000 to $9,000 per year—substantially lower than the national public university average of $17,000.

Private colleges in New York tend to cost more, with annual tuition ranging from $20,000 to $60,000. That said, many of these institutions offer generous financial aid packages to make their programs more affordable.

The Excelsior Scholarship and TAP program also help reduce costs for eligible students. When you factor in these aid opportunities, New York’s public colleges often offer better long-term value—especially when compared to universities in neighboring states.

What Are the Tuition Fees for International Students at Affordable New York Colleges?

International students at affordable New York colleges usually pay higher tuition than in-state students, with rates generally ranging from $18,000 to $24,000 per year at SUNY campuses. Community colleges may charge closer to $10,000 to $15,000.

These institutions often provide added value through dedicated international student services, visa support, and English language assistance. Additionally, some colleges offer merit-based scholarships or partial tuition waivers for international students based on academic performance.

Keep in mind that international students are also responsible for added expenses like health insurance (typically $2,000–$3,000 per year), SEVIS fees, and living costs—which vary widely depending on the location.

How Does the University of the People Compare with the Most Affordable Colleges in New York?

The University of the People (UoPeople) offers a tuition-free, fully online alternative to New York’s affordable public colleges. While SUNY and CUNY schools provide competitive in-state tuition and strong financial aid, UoPeople stands out for its low-cost model and flexibility.

UoPeople charges no tuition—only small assessment fees of around $120 per course—bringing total yearly costs to roughly $1,200–$2,400. In contrast, in-state tuition at affordable New York colleges typically starts around $7,000.

UoPeople is accredited by both the Distance Education Accrediting Commission (DEAC) and the Western Association of Schools and Colleges (WASC). Most New York public colleges are regionally accredited by the Middle States Commission on Higher Education.

With an asynchronous schedule, UoPeople allows students to study on their own time, unlike New York colleges that often follow fixed academic calendars with structured deadlines.

Ready to Choose the Most Affordable College?

Choosing the most affordable college in New York isn’t just about finding the lowest tuition—it’s about balancing cost with value. Whether you’re comparing schools in the SUNY and CUNY systems or considering private institutions, it’s important to look beyond the price tag.

Think about what matters most to you: Are you looking for a flexible online program? Strong career support? A specialized degree track? Then weigh those priorities against financial aid options like the Excelsior Scholarship, TAP, and institutional grants. Be sure to also factor in commuting costs or on-campus housing, especially if you’re eyeing schools in the New York City area.

Building a short list of schools and reviewing each one’s program offerings, student support, and post-grad outcomes can help you make an informed decision that fits both your academic goals and your budget.

FAQs

Which New York colleges offer the lowest in-state tuition?

SUNY and CUNY schools tend to have the lowest tuition in the state. Empire State University, SUNY Polytechnic Institute, and Lehman College are among the most affordable options for in-state students.

Are there financial aid programs available for New York residents?

Yes. The Excelsior Scholarship, Tuition Assistance Program (TAP), and federal aid through FAFSA can significantly reduce costs. Many schools also offer institutional scholarships and grants.

What are the most affordable private colleges in New York?

Mercy University, St. Joseph’s University, and Molloy University are among the more affordable private institutions. While tuition is higher than public colleges, they often provide generous financial aid packages.

Do New York community colleges offer pathways to four-year degrees?

Yes. Many community colleges in the SUNY and CUNY systems offer associate degrees with guaranteed transfer pathways to four-year institutions within the same system.

Can out-of-state students attend New York’s public colleges at affordable rates?

Out-of-state tuition is higher than in-state, but some SUNY and CUNY schools still remain competitive. Additionally, certain scholarships and tuition waivers may be available for non-residents in specific programs.

How do I qualify for in-state tuition in New York?

You generally need to live in New York for 12 consecutive months before enrollment and provide proof of residency, such as a New York State ID, lease, or tax documents.