Analysis
Based on comparable physics programs in New York, University of Rochester graduates can expect first-year earnings around $48,641—right at the state median but well below what peer institutions like RPI ($60,348) and Cornell ($50,933) report for their physics grads. For a selective school with a 1480 average SAT, this estimated performance is surprisingly middle-of-the-pack. The $19,000 debt load is actually lighter than both state and national medians for physics programs, which helps the overall value picture, but it doesn't fully compensate for earnings that trail other elite New York physics departments.
The debt-to-earnings ratio of 0.39 is manageable—you're looking at roughly five months of gross income to cover the debt. However, the context matters: Rochester's selectivity and reputation should theoretically translate to stronger industry connections and placement outcomes than what these estimates suggest. Physics graduates from comparable programs often pursue graduate school, which could explain conservative first-year earnings, but without actual reported data for Rochester specifically, it's difficult to know if this pattern holds here.
If your child is set on physics at a research university, Rochester offers that experience with reasonable debt. But given the estimated earnings lag behind direct competitors, consider whether Rochester's specific strengths—research opportunities, faculty relationships, or graduate school placement—justify choosing it over schools with demonstrated stronger early-career outcomes in the field.
Where University of Rochester Stands
Earnings vs. debt across all physics bachelors's programs nationally
Compare to Similar Programs in New York
Physics bachelors's programs at peer institutions in New York (66 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $64,348 | $48,641* | — | $19,000 | — | |
| $61,884 | $60,348* | $88,071 | $20,270 | 0.34 | |
| $66,014 | $50,933* | — | $15,961 | 0.31 | |
| $7,340 | $48,908* | — | — | — | |
| $57,016 | $48,374* | — | $27,000 | 0.56 | |
| $10,560 | $44,562* | $69,154 | $21,683 | 0.49 | |
| National Median | — | $47,670* | — | $23,304 | 0.49 |
Career Paths
Occupations commonly associated with physics graduates
Physicists
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Physics Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
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 Rochester, approximately 16% 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.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 6 similar programs in NY. Actual outcomes may vary.