Cost of Living in USA for International Students 2025

The USA is a popular study destination among international students because of its flexible education system, vibrant campus life, academic excellence, cultural diversity, and availability of numerous job opportunities. Along with so many plus points, studying in the US for international students is expensive and so are the living costs. The estimated cost of living in USA for international students is around USD 10,000 to USD 25,000 per year, which averages around USD 1,000 to USD 2,000 per month.
While studying in USA, the living expenses in USA include not just accommodation costs, room, and board, food but also costs for travel, textbooks, weather-appropriate clothing, and entertainment expenses as well. There are also personal and miscellaneous expenses which are covered within the costs of living in USA. This article aims to throw light on the various facets of living costs in USA keeping international students in focus and their choice of types of USA universities of study.
Estimated Cost of Living in USA 2025
The table given below specifies the estimated student cost of living in the USA that is based on different expenses.
Expenses in USA |
Average Yearly / Monthly cost |
---|---|
Books and study material |
USD 900 - USD 2,000 per year |
Travel |
USD 300 - USD 700 per year |
Accommodation |
USD 9,800 - USD 11,100 per year |
Electricity |
USD 100 - USD 150 per month |
Food |
On campus: USD 250 per month Off-campus: USD 400 - USD 600 per month |
Phone subscription |
USD 50 per month |
Home Internet |
USD 45 - USD 50 per month |
Health Insurance |
USD 700 - USD 1,100 per year |
Clothes |
USD 500 per year |
Water, Trash and Sewer |
USD 50 - USD 75 per month |
Note: These amounts will differ from state to state within the US. On average, the cost of Indian food in the USA is around USD 350 - USD 400 for one person.
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Average Cost of Living in USA for One Person
The table given below is based on the data of College Board, Trends in College Pricing and Student Aid 2021. Undergraduate students can gauge the average tuition and other annual costs based on different types of sectors:
Expense Head for Out-of-State Applicants |
Tuition Fees |
Housing & Accommodation Fees |
---|---|---|
Public Four-Year Institutions in USA |
USD 30,780 |
USD 13,310 |
Private Non-profit Four-Year Institutions in USA |
USD 43,350 |
USD 15,250 |
The cost of studying in USA is an equally important factor when factoring in the cost of living expenses in USA.
Living Expenses in the USA for the Different States
The cost of living in USA for Indian students depends on the areas in which they decide to stay. For instance, if students are living in big cities like New York, Boston, or San Francisco, then the cost of living in the USA for students shall be much higher than in suburban cities like Seattle, Texas, New Orleans, and others. Let us check the average cost of living in the USA for urban and suburban states for international students.
Top Student Cities in the USA |
Average Cost of Living in USA (Monthly) |
---|---|
New York |
USD 3,300 |
California |
USD 4,000 |
Boston |
USD 3,316 |
San Francisco |
USD 4,000 |
Suburban Cities of USA |
Average Cost of Living in USA (Monthly) |
Atlanta |
USD 2,200 |
New Orleans |
USD 2,000 |
Philadelphia |
USD 1,300 |
Seattle |
USD 2,500 |
Texas |
USD 2,000 |
Illinois |
USD 1,470 |
Students aiming to study in any of the above-given cities of the USA will have to bear the consequent costs of living as well. The cost of living in the USA for Indian students will additionally be calculated with the course they've opted for. Those pursuing an undergrad course in the USA will have to bear more living costs in the USA whereas bearing expenditures to land in USA for master's will vary with each university, but costs will be lower in comparison to undergraduate courses.
Check out: The Best Student Cities in USA for Studying
On-Campus Cost of Living in USA
On-campus accommodations in USA will usually be affordable in comparison to the off-campus accommodation, check out the difference below:
Housing Accommodation Options in USA |
Average monthly / yearly cost |
---|---|
On-campus stay |
Public colleges: USD 1,100 yearly Private colleges: USD 9,800 yearly |
Off-campus stay |
Sharing: USD 450 per month One-bedroom apartment in rural states: USD 500 per month One-bedroom apartment in urban states: USD 3,500 per month |
It is essential that applicants understand the living expenses in USA before applying to US universities. They must check out the on-campus accommodation options along with the off campus accommodation options and whichever is a more feasible option, they can consider that.
Additional Living Expenses in the USA
Students should be able to meet the following costs while studying in the US. Cost of living in USA may increase by about 6 to 9% per year due to inflation and external factors. As per the report “College Tuition Inflation Rate” by EducationData.Org, the annual inflation rate in the US (in higher education) stood at 8%. It is advised to keep USD 2,000 for additional living expenses in the USA. The additional living expenses in the USA can include the following things:
- Travel expenses between India and US during vacation time
- Large purchases, such as a PC, furniture, or even a rental car.
- Medical expenses not covered by health insurance, e.g. dental care, eye care, cosmetic treatments.
- Additional summer expenses - room and board, grocery costs for the summer months you stay on in the U,S when classes are not being held
- Additional expenses, such as off-campus transportation
- Entertainment, social outings, weekend trips
The definition of a good ACT score varies from university to country. However, to get into the top 100 universities, you must aim for a score higher than 31 on the ACT.
On an average, the annual tuition fee required to pursue a degree course at the University of Arizona is around INR 30 L - 40 L, which can be considered expensive as a study abroad option. Students can refer to the table listed below for course specific fees requirements:
Courses | 1st Year Tuition Fees |
---|---|
MBA/PGDM (24 courses) | INR 26 L - 45 L |
MS (64 courses) | INR 26 L - 38 L |
MIM (16 courses) | INR 26 L - 45 L |
BE / BTech (24 courses) | INR 33 L - 38 L |
BBA (16 courses) | INR 33 L - 34 L |
MEM (1 course) | INR 27 L |
The University of South Dakota expects a GPA score of 2.5 from undergraduates and 3 from postgraduates on the 4-pointer scale. Along with the GPA scores, undergraduates must meet the basic eligibility and submit an ACT score of 21 or higher and an SAT score of 1070 or higher. In addition, they must submit the required documents, such as academic history, transcripts, letters of recommendation, English language scores, and more.
Student from India can apply for admission to the University of Delaware, USA easily by following UD admission process. Applicants must have all the necessary documents along with English language test score to complete the admission application. Mentioned below are the steps to apply for UG admission at Delaware USA:
Step 1: Complete the UD Online Application and submit the Delaware University application fee of USD 75 or INR 6,265.51
Step 2: Submit your English-proficiency test scores
Step 3: Send official transcripts/examination results for all secondary and post-secondary work to the Office of Undergraduate Admissions
Step 4: Provide a letter of recommendation from a teacher or academic advisor
TAMU MSc in CS course is ranked at #26 among public institutions as per a top-ranking publisher in 2025. Furthermore, the university has highly ranked graduate courses that are offered through the College of Engineering, College of Education and Human Development, and Mays Business School. The popular majors at the university are Engineering; Social Sciences; Health Professions and Related Programs; Psychology; Business, Management, Marketing, and Related Support Services, etc.
GRE is a popular standardised test for getting admission in MS program in the world. However, there are many universities in the USA that offer admission to MS courses without GRE scores. There is fixed minimum or maximum GRE score for admission. However, even if your GRE score is below the average for a particular program, you may still be considered for admission if you have strong qualifications in other areas. It is adviseble to check university website for the exact information.
International students who wish to study at Iowa State must have at least GPA of 3.0 on a scale of 4.0 for UG and PG admission. International transfer applicants must have a minimum equivalent GPA of C+ on a scale of A to F or 2.25 on a 4.0 scale for all transferable courses.
Applicants must ensure that they cover the hidden charges also and can manage their expenses based on their spending capacities in the USA.
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While the USA presents many appealing factors for international students, the significant costs of studying and living there cannot be overlooked. The annual living expenses, ranging from approximately USD 10,000 to USD 25,000, and tuition fees necessitate careful financial planning and management.
Despite the high costs, numerous strategies can help international students navigate their finances effectively. Crucial steps include creating a detailed budget, exploring scholarship and financial aid opportunities, considering shared accommodation and on-campus housing, utilising public transportation, and taking advantage of student discounts. Additionally, being mindful of food expenses by cooking at home and looking for affordable grocery options can lead to substantial savings.
Furthermore, students should be prepared for additional and often unexpected costs such as health insurance, textbooks, travel, and personal expenses. Building an emergency fund can provide a financial cushion for unforeseen circumstances. By proactively managing their finances and making informed choices, international students can make their study abroad experience in the USA more affordable and less financially stressful, allowing them to focus on their academic and personal growth.
If you are interested in studying in the USA, you can sign up for free Shiksha Abroad Counselling and request a callback from our team of expert counsellors.
Cost of Living in USA for Students FAQs
Q. What is the average cost of living in USA for international students?
A. The monthly expenses in USA for international students will be around $1,000 to $1,500. However expenses are usually miscellaneous and depends upon the applicants on a case by case basis. Some may need more expenditure to live in USA while the others may manage in bare minimum also. Thus, applicants must plan ahead of travelling to USA for higher education and also while calculating the costs of studying and living in USA.
Q. Which states in the US that have the highest monthly cost of living for Indian students?
A. New York, California, Maryland, New Jersey, etc are some of the states in the US that have the highest monthly expenses in USA. These are metropolitan cities and have higher costs of living in USA on the whole. Some cost analysis is given in the table below:
US Cities | Living Costs (Monthly) |
---|---|
New York | USD 11,000 - USD 12,000 |
California | USD 4,000 - USD 5,000 |
Maryland | USD 9,000 - USD 10,000 |
New jersey | USD 11,000 - USD 12,000 |
The costs are subject to change and applicants are suggested to check for the costs before they proceed for admission to USA.
Q. Is the housing and accommodation living cost in USA for international students expensive?
A. The housing and accommodation living cost in USA for international students is $9,800-$11,000 per year for an on-campus stay and $3,500 per month for an off-campus stay. Thus, yes, for those who are staying off-campus may have to bear additional and extra costs but those living on-campus will have to pay one time yearly fee which includes all major amenties and expenses are more or less included. Thus, if getting an option for on-campus, international students must take it up.
Q. Is it expensive to live in the US?
A. Yes, the US is one of the most expensive countries to live for international students. However, to reduce the cost of living, students can do part-time jobs. The cost of living in the US will also depend on the state where a student lives. Living in USA is expensive but again depends person to person. Thus, applicants must keep an upper calculation in rouded figure so that if they have to spend extra they are prepared for it.
Q. Which are the most affordable universities in the US to study for international students?
A. Some of the most affordable universities in the US for international students as per U.S. News & World Report are:
- Brigham Young University – Provo
- Nicholls State University
- South Dakota State University
Q. How much does it cost to live in the US as a foreign student?
A. To give an estimat, the cost of living in the USA for international students varies around USD 10,000 to USD 25,000 per year, which averages around USD 1,000 to USD 2,000 per month. These costs may vary based on the US state of study as well.

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a year ago
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2 years ago
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2 years ago
Hello Nikunj! You find all possible options here - https://studyabroad.shiksha.com/usa/ms-in-embedded-systems-colleges-ds if you still want more help, get in touch with our counsellors by signing up here - https://studyabroad.shiksha.com/apply. All the best!
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2 years ago
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2 years ago
Hello. Kindly elaborate your question. In case if you are looking for part-time work in the US, please refer to this article: https://studyabroad.shiksha.com/10-popular-part-time-campus-jobs-for-students-in-the-us-articlepage-54
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3 years ago
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2 years ago
Please refer to this list of college from this link: https://studyabroad.shiksha.com/usa/ms-colleges-dc
A
3 years ago
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3 years ago
Hi Aaryan, you can register with Shiksha Counseling Service for free through below link. They offer services online and not face to face. https://studyabroad.shiksha.com/apply
MIT is not costly for Indian students. Applicants can study BTech program at affordable tuition fees as compared to other BTech colleges in the USA. The MIT BTech fees is around INR 50 L to INR 52 L.