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Level 1
December 16, 2025
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can i use 529 funds for off campus housing up to the amount of the school's off campus cost of attendance for housing (COA)?

  • December 16, 2025
  • 1 reply
  • 2 views
would like to use the funds to pay for one of my dependents in college
Best answer by Hal_Al

Q. Can I use 529 funds for off campus housing up to the amount of the school's off campus cost of attendance for housing (COA)?

A. Yes. 

 

That is the exact rule: 529 money can be use for off campus living, but you are limited to the lesser of your actual costs or the school's "allowance for cost for attendance".  The student must be half time or more. 

1 reply

Hal_Al
Level 15
Hal_AlLevel 15Answer
Level 15
December 16, 2025

Q. Can I use 529 funds for off campus housing up to the amount of the school's off campus cost of attendance for housing (COA)?

A. Yes. 

 

That is the exact rule: 529 money can be use for off campus living, but you are limited to the lesser of your actual costs or the school's "allowance for cost for attendance".  The student must be half time or more.