When families talk about the rising cost of college, tuition tends to dominate the conversation. But for many students, tuition isn’t the largest expense. Room and board, which covers housing and meals, often makes up the majority of the bill.

Even at the most expensive colleges ranked by tuition, room and board adds a significant price.

Recent data show that at public four-year colleges, room and board now accounts for about 45% of total expenses, while tuition makes up less than 36%. At San Diego State University (SDSU), a popular in-state option, tuition is only 25% of the total cost of attendance if you include on-campus living. Room and board, meanwhile, makes up more than 62%.

Let’s look at some raw numbers using SDSU as an example:

• In-State Tuition: $9,180
• Out-of-State Tuition: $13,320
• Room and Board: $23,736

It’s also important to note that SDSU requires students not in the service area to live on campus for two years. That can really add up!

That gap raises a tough question: Is living on campus worth the price, even more so if you’re going into debt?

A Closer Look At The Numbers

The average cost of tuition at in-state public colleges is around $9,750. Room and board averages $12,302, based on 2025 data from the Education Data Initiative. These two line items combined already total more than $22,000 a year, not including books, transportation, or other fees.

For private nonprofit colleges, the story flips. Tuition is higher, around $38,421, while room and board average $13,842. That means tuition dominates the cost structure, making up nearly two-thirds of the total. However, private nonprofit colleges are known for extremely generous aid packages, such as Harvard offering free tuition for families making under $200,000.

At two-year public colleges, students who live on campus may see room and board costs nearly double their tuition. But this also makes sense since community college is typically very low priced, or even free.

Out-of-state students see slightly better proportions due to higher tuition, but housing and meals still take up a large share. And let’s face it: out-of-state tuition at many schools is 2x to 4x higher than in-state tuition. 

Is Living On Campus A Necessity Or A Luxury?

For many families, the idea of “going away to college” feels like a rite of passage. But it is more of lifestyle choice than a need. Living on campus may bring social benefits or convenience, but it can significantly increase the cost of earning a degree.

The truth is, you’re paying for an experience – just like you’d pay for an experience on vacation. The educational goal of college is to get a bachelor’s degree. That can be achieved without expensive dorm living – by living at home, choosing a community college or local state school, or maybe sharing an apartment locally. 

If you’re paying for dorm living as an “add-on”, then the question becomes: can you afford it? You wouldn’t (or better shouldn’t) finance a Disney World vacation you couldn’t afford for multiple years, so why would you fund a hotel for your child for multiple years? 

Again, if you have the cash and can afford it – go where ever you please. But if you’re taking on student loan debt, you can’t send your child to live in the dorms. This is an especially important message for parents, who end up borrowing the bulk of the cost.

When room and board accounts for more than half the cost of college, it raises important questions. Could the student live at home and commute? Could they choose a local or community college for the first two years? In many cases, families may be stretching their budgets or taking on student loans to pay for what is essentially a luxury expense.

What Families Should Consider

As college costs climb and student loan debt rises, it’s important to question assumptions. Tuition often gets the attention, but the real sticker shock may come from housing and meals.

Families should evaluate total cost of attendance, not just tuition. In some cases, a higher tuition college may actually be more affordable if students can live at home. Others may want to reconsider the need for a traditional on-campus experience, especially in the first year or two. Instead of funding a party for your child for four years, could that money be better spent buying them a home? These are real trade-offs to consider before you go massively in debt.

Room and board isn’t just a cost…it’s a decision. And in today’s college economy, it deserves just as much scrutiny as any other part of the bill.

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