How This Works
State averages come from NCES Private School Universe Survey data and state-level surveys. Each state has separate averages for religious, independent, and Montessori schools. National averages are $12,350 for all types, $8,000 for religious, and $25,000 for independent — but the range within those categories is wide.
The 25th and 75th percentile values are more useful than the average for deciding if you're overpaying. If you're paying above the 75th percentile for your state and school type, you're in the top quarter of spenders for that category. Below the 25th percentile, you're in the cheapest quarter.
School Type Matters More Than Location
An independent day school in Mississippi costs more than a religious school in Connecticut. The type of school you're looking at determines the comparison that's relevant. Comparing your independent school tuition to the state average for "all private schools" makes your school look expensive even if it's cheap for its category.
When High Tuition Is Justified
Schools with strong endowments, lower student-to-teacher ratios, and high rates of financial aid often charge more because they can fund more — and redistribute it. A $40,000/year school that gives 35% of students 50% aid is more accessible than a $20,000/year school that gives 10% of students 20% aid. Ask what percentage of students receive aid before assuming the sticker price is the real price.
Red Flags Worth Asking About
Tuition increases above 5%/year deserve an explanation. Mandatory fees that weren't in the original quote are common at schools that want to advertise a lower headline number. Ask for the total annual cost including fees, lunch, uniforms, technology, and required activities — the real number is often 15–25% above stated tuition.