Student life in the US: housing, work, weather and culture
Work and money
20 hours a week on campus during term; off-campus work needs CPT or OPT authorisation, at US$7.25 federal minimum, US$15 to US$17 in many states and campuses. Living costs of US$1,300 to US$2,800 a month depending on the city.
Where students live
| City | Student areas | Room rent |
|---|---|---|
| New York | Brooklyn, Queens and Upper Manhattan. | US$1,200 to US$2,200 for a room |
| Boston | Allston, Brighton, Cambridge and Somerville. | US$1,000 to US$1,800 for a room |
| Chicago | Hyde Park, Lincoln Park and the Loop. | US$800 to US$1,400 for a room |
| San Francisco Bay Area | Berkeley, Oakland and San Jose for value. | US$1,300 to US$2,200 for a room |
Everyday life
- Community colleges offer a cheaper two-year start with transfer agreements into four-year universities.
- GPA runs on a 4.0 scale and follows you into job applications.
- Most students live on campus in the first year, then move to shared apartments.
- A Social Security Number is issued once you have an on-campus job offer.
- Tipping of 15 to 20 percent in restaurants is expected.
- STEM-designated programmes are listed publicly by the government; the list decides your OPT length.
- Fall semester runs late August to December, spring from January to May.
- Universities run big sports programmes; student tickets are usually free or cheap.
Health cover
University health insurance, budgeted above.
Figures are indicative for the 2026/27 cycle, change with exchange rates and policy, and should be confirmed with the university or the relevant government before you decide.
Get this checked for your case
Rules change and every application is different. A counsellor confirms the current position for your country and course. Free.
Talk to a counsellorRelated questions
Do I need GRE or GMAT for a US master's?
Fewer programmes require them every year. Many computer science, engineering and business master's are now test-optional. We keep a list of which of our partner programmes still ask.
How much does it really cost to study in the US?
Budget US$35,000 to US$70,000 a year all-in before aid at a private or out-of-state public university. With an assistantship or a strong merit award the real cost can be a third of that. The I-20 figure is the number the visa officer will check.
Can I work while studying in the US?
On campus, yes, up to 20 hours a week. Off campus only through CPT (during the degree) or OPT (after it), both authorised by your university. Unauthorised work risks your visa.