Head-to-head comparison
St. Joseph's University-New York vs Utica University: which has better ROI?
Option A Brooklyn, NY
St. Joseph's University-New York
- Net price / year
- $19,035
- Earnings, 10 years
- $63,905
- Payback
- 4.9 yrs
Option B Utica, NY
Utica University
- Net price / year
- $19,108
- Earnings, 10 years
- $63,277
- Payback
- 5.1 yrs
St. Joseph's University-New York has the better ROI: it clears its 4-year net cost of $76,140 in 4.9 years versus 5.1 years at Utica University, on median earnings of $63,905 vs $63,277 ten years out. (Scorecard, 2026 · our math.)
| Measure | St. Joseph's University-New York | Utica University |
|---|---|---|
| Net price / yr | $19,035 | $19,108 |
| Total net cost | $76,140 | $76,432 |
| Median earnings, 10 yrs | $63,905 | $63,277 |
| Median debt | $22,000 | $22,500 |
| Payback | 4.9 yrs | 5.1 yrs |
| 20-year net return | $234,760 | $221,908 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, St. Joseph's University-New York or Utica University?
St. Joseph's University-New York, at $19,035 a year after aid versus $19,108 — a gap of $73 a year, or $292 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
The short answer
Do St. Joseph's University-New York or Utica University graduates earn more?
St. Joseph's University-New York graduates report a median $63,905 ten years after entry, $628 more than the $63,277 at Utica University. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
The short answer
Which leaves students with less debt, St. Joseph's University-New York or Utica University?
St. Joseph's University-New York: its completers carry a median $22,000 in federal loans versus $22,500 at Utica University, a difference of $500. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
The short answer
Which graduates more of its students?
69% of students finish at St. Joseph's University-New York, against 56% at Utica University. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.