Median Earnings (1yr)
$21,715
26th percentile (40th in KY)
Median Debt
$24,619
3% below national median
Debt-to-Earnings
1.13
Elevated
Sample Size
33
Adequate data

Analysis

Murray State's Fine Arts program starts rough but rebounds significantly. That first-year salary of $21,715 ranks in just the 26th percentile nationally—well below the already modest national median of $24,742 for art degrees. However, earnings nearly triple to $32,467 by year four, representing 50% growth and outpacing every other Kentucky art program except Northern Kentucky and Louisville. Within Kentucky, this program sits at the 40th percentile, placing it in the middle of the pack despite that weak start.

The debt load of $24,619 is actually slightly better than both state and national medians for art programs, creating a manageable 1.13 debt-to-earnings ratio even with those low initial earnings. The real question is whether families can weather those first few lean years. Many art graduates supplement creative work with other employment, and these numbers suggest Murray State grads figure that out relatively quickly compared to peers.

For families considering this program, the trajectory matters more than the starting point. If your child can live frugally (or return home) for a year or two after graduation, the mid-career earnings become competitive with Kentucky's larger public universities. But if immediate financial independence is essential, programs at Northern Kentucky or Louisville offer better initial outcomes, though likely at higher cost.

Where Murray State University Stands

Earnings vs. debt across all fine and studio arts bachelors's programs nationally

Murray State UniversityOther fine and studio arts programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Murray State University graduates compare to all programs nationally

Murray State University graduates earn $22k, placing them in the 26th percentile of all fine and studio arts bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Kentucky

Fine and Studio Arts bachelors's programs at peer institutions in Kentucky (25 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Murray State University$21,715$32,467$24,6191.13
Northern Kentucky University$31,448$34,108$25,7240.82
University of Louisville$28,485$38,885$25,0000.88
Western Kentucky University$28,291$23,243$27,0000.95
Eastern Kentucky University$25,596$28,880$27,3751.07
Berea College$20,036
National Median$24,742$25,2951.02

Other Fine and Studio Arts Programs in Kentucky

Compare tuition, earnings, and debt across Kentucky schools

SchoolIn-State TuitionEarnings (1yr)Debt
Northern Kentucky University
Highland Heights
$10,896$31,448$25,724
University of Louisville
Louisville
$12,828$28,485$25,000
Western Kentucky University
Bowling Green
$11,436$28,291$27,000
Eastern Kentucky University
Richmond
$10,130$25,596$27,375
Berea College
Berea
$49,326$20,036

About This Data

Source: U.S. Department of Education College Scorecard (October 2025 release)

Population: Graduates who received federal financial aid (Title IV grants or loans). At Murray State University, approximately 31% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.

Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.

Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.

Sample Size: Based on 33 graduates with reported earnings and 32 graduates with debt data. Small samples may not be representative.