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Is Murray State University worth it?
A first pass affordability and outcome read for Murray State, using national average inputs. Run your own numbers for a personalized score.
Worth-It Score
Workable
Murray State lands in the workable band for a typical family. Median debt of $19,500 can be carried by median long-run earnings of $48,482, but the margin is not huge. For context, Murray State's net price is about 26% below the typical 4-year, public school. This is the kind of school where your actual aid offer can move the answer meaningfully.
Is the price fair?
Compared to 774 similar 4-year, public schools
This school
$9,738
/yrAverage school like this
$13,155
/yrThis helps your Worth-It Score
You'd pay about $3,417 less per year than the typical student at a similar school. Over 4 years that's roughly $14,000 in savings.
Score breakdown
The public version of the score weighs affordability, after graduation outcomes, and repayment burden.
Affordability
40% weight
The yearly net price sits in a range that leaves more room for family cash flow and lower borrowing.
Outcome
40% weight
The outcome data does not create enough margin to fully offset the cost.
Repayment
20% weight
Median debt stays in a more comfortable repayment range for a typical graduate.
The numbers behind the score
Median net price per year
$7,350
Median earnings 10 years out
$48,482
Median debt at graduation
$19,500
Graduation rate
61%
At Murray State, a typical graduate carries about $19,500 in student debt and earns roughly $48,482 ten years after enrolling. On a standard 10-year repayment plan, that works out to about $222 per month, or 5% of pre-tax income. That sits inside a borrower comfort range for many graduates.
How earnings compare to a high school diploma
Graduates earn $19,486 more than the typical working high school graduate in Kentucky ($28,996) ten years after entering this school. A federal rule finalized in July 2026 ties each undergraduate program's federal loan eligibility to a comparison like this one, with the first calculations expected in 2027.
The national figure is $31,269. The Department of Education uses it instead of the state figure when fewer than half of a school's students come from its state.
73% of former students here earned more than the typical high school graduate ten years after entry, by College Scorecard's own measure.
Context, not a federal determination. The benchmarks are the Department of Education's published thresholds (2024 notice, based on 2022 Census data); thresholds under the 2026 rule have not been released yet. The official test looks at each program's graduates four years after completion; our figure is College Scorecard's median for the whole school, ten years after entry. How this works
Program earnings vs. the federal benchmark
Median earnings of working graduates four years after finishing each undergraduate program, next to the benchmark the federal earnings test uses: the typical working high school graduate aged 25–34 in Kentucky ($28,996).
Special Education and Teaching
Bachelor's degree · 36 working graduates counted
$36,657
$7,661 above the benchmark
Music
Bachelor's degree · 27 working graduates counted
$36,697
$7,701 above the benchmark
Teacher Education and Professional Development, Specific Levels and Methods
Bachelor's degree · 132 working graduates counted
$38,132
$9,136 above the benchmark
Fine and Studio Arts
Bachelor's degree · 24 working graduates counted
$38,192
$9,196 above the benchmark
Veterinary/Animal Health Technologies/Technicians
Bachelor's degree · 127 working graduates counted
$40,839
$11,843 above the benchmark
Social Work
Bachelor's degree · 126 working graduates counted
$41,165
$12,169 above the benchmark
English Language and Literature, General
Bachelor's degree · 25 working graduates counted
$41,383
$12,387 above the benchmark
Liberal Arts and Sciences, General Studies and Humanities
Bachelor's degree · 122 working graduates counted
$41,797
$12,801 above the benchmark
Wildlife and Wildlands Science and Management
Bachelor's degree · 23 working graduates counted
$43,844
$14,848 above the benchmark
Research and Experimental Psychology
Bachelor's degree · 53 working graduates counted
$44,800
$15,804 above the benchmark
48 other undergraduate programs here have no four-year earnings figure, usually because too few graduates were counted to publish one. That says nothing about how those programs do. See every program on College Scorecard
An estimate, not an official determination. Under a federal rule taking effect July 1, 2027, programs below this benchmark in official results may face limits on federal student loans; Pell Grants are not affected. The official test uses finer program categories, different graduating classes and the Department's own records; its first results are expected in 2027. Programs that train for tipped jobs, such as cosmetology and massage, won't be rated on 2025 earnings, and the Department decides which programs qualify. Earnings: College Scorecard field-of-study data (released Oct 15, 2026). Benchmark: Department of Education published thresholds (2024 notice).
Represent Murray State University and think a figure here is wrong? Request a correction and we'll check it against the latest College Scorecard release.
What this means for your family
Murray State is a public four year school in Murray, KY. For many families, the key question is whether the published value here beats cheaper in state or regional alternatives once your real aid offer arrives.
Similar schools worth comparing
These schools share a similar sector, geography, or price range.
Public 4-year
Northern Kentucky
Highland Heights, KY
Worth-It Score: 67/100
Median net price: $8,976
Public 4-year
Morehead State
Morehead, KY
Worth-It Score: 65/100
Median net price: $9,912
Public 4-year
Western Kentucky
Bowling Green, KY
Worth-It Score: 68/100
Median net price: $11,789
Public 4-year
Eastern Kentucky
Richmond, KY
Worth-It Score: 65/100
Median net price: $11,925
Public 4-year
Marshall
Huntington, WV
Worth-It Score: 66/100
Median net price: $7,341
Common questions about Murray State
The median net price at Murray State is $7,350 per year. That is the average yearly price after typical grant aid for students in the public federal data, not the published sticker price.
Get your personalized Worth-It score
National averages are a starting point. Plug in your actual aid offer, intended major, and family situation to get a score that reflects your specific picture.
Looking at public universities options in Kentucky? See the most affordable public universities in Kentucky →
The Worth-It Score weighs affordability (40%), after graduation outcomes (40%), and repayment burden (20%). Underlying data points come from publicly available federal higher education reporting. See full methodology →
What families actually paid
The published price is rarely what anyone pays. Pick a household income range to see what students at Murray State in that range paid on average, after grants and scholarships.
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All students who received aid
$7,350a year, on average
Average for first-time, full-time students who received federal financial aid, 2024-25. It does not include transfer or part-time students, and it is an average rather than a quote — what you pay depends on your own circumstances and the aid this school offers you. Source: U.S. Department of Education, IPEDS.
Now work out how to pay for it, cheapest money first.
A Worth-It Score tells you whether the price is justified. The 2026-27 funding guide covers the borrowing order, what changed on July 1, 2026, and the current limits.
Open the 2026-27 funding guide →