Median Earnings (1yr)
$47,108
19th percentile (40th in TX)
Median Debt
$25,000
7% above national median
Debt-to-Earnings
0.53
Manageable
Sample Size
162
Adequate data

Analysis

University of Houston-Downtown's finance program starts below average but shows impressive momentum, with graduates seeing their earnings jump 31% by year four to reach $61,702. While the initial $47,108 puts this program in the bottom fifth nationally, that four-year trajectory tells a different story about career development potential.

The debt picture is reasonable at $25,000—just above the national median but manageable given the eventual earnings growth. Within Texas, this program sits at the median mark, performing exactly average among the state's 59 finance programs. That's worth noting given UH-Downtown's open-access mission (91% admission rate, 52% Pell recipients) compared to the state's top performers like UT Austin and SMU, which draw from vastly different applicant pools and command premiums of $20,000+ in first-year earnings.

For students who can't access the elite Texas programs, UH-Downtown offers a credible path into Houston's substantial financial sector. The key is understanding you're trading lower entry-level earnings for a more accessible degree and the opportunity to prove yourself on the job. If your child needs affordability and is willing to work their way up, this delivers solid value. If they have the credentials and resources for UT Austin or Texas A&M, those programs offer significantly higher starting salaries that compound over time.

Where University of Houston-Downtown Stands

Earnings vs. debt across all finance and financial management services bachelors's programs nationally

University of Houston-DowntownOther finance and financial management services 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 University of Houston-Downtown graduates compare to all programs nationally

University of Houston-Downtown graduates earn $47k, placing them in the 19th percentile of all finance and financial management services 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 Texas

Finance and Financial Management Services bachelors's programs at peer institutions in Texas (59 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Houston-Downtown$47,108$61,702$25,0000.53
Southern Methodist University$83,159$113,839$19,5000.23
The University of Texas at Austin$81,844$95,994$20,5000.25
Texas Christian University$78,453$90,933$19,5000.25
Texas A&M University-College Station$71,409$90,976$16,8800.24
University of Phoenix-Texas$70,963$59,017$48,4690.68
National Median$53,590$23,3320.44

Other Finance and Financial Management Services Programs in Texas

Compare tuition, earnings, and debt across Texas schools

SchoolIn-State TuitionEarnings (1yr)Debt
Southern Methodist University
Dallas
$64,460$83,159$19,500
The University of Texas at Austin
Austin
$11,678$81,844$20,500
Texas Christian University
Fort Worth
$57,220$78,453$19,500
Texas A&M University-College Station
College Station
$13,099$71,409$16,880
University of Phoenix-Texas
Dallas
$70,963$48,469

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 University of Houston-Downtown, approximately 52% 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 162 graduates with reported earnings and 144 graduates with debt data. Small samples may not be representative.