Private school, catholic
St. Rose of Lima Elementary School
Massapequa, NY · Grades PK to 8 · 282 students
Can a 529 pay for St. Rose of Lima Elementary School?
Yes. Federal law lets a 529 plan pay tuition at a private, public or religious elementary or secondary school, up to $20,000 a year per student. St. Rose of Lima Elementary School is a private school serving grades pk to 8, so its tuition is the kind of cost this covers.
What a 529 can pay
- Tuition, up to $20,000 a year per student
- Curriculum, books and instructional materials
- Tutoring and classes outside the home
- Fees for SAT, ACT, AP and other exams
- Online educational materials
- Educational therapies for a student with a disability
What it can’t
- Registration, application and building fees
- Activity, field trip and technology fees
- Uniforms, sports and extracurriculars
- School meals and transportation
- Aftercare and summer camps
Ask St. Rose of Lima Elementary School which of its charges are billed as tuition. Fees added to a tuition bill are not always covered.
What New York does with it
The tax rule is your state of residence’s, so this applies if you live in New York.
New York does not follow the federal K-12 rule
New York does not treat K-12 withdrawals from a 529 as qualified. The earnings part is generally taxed as New York income, and a New York deduction you took for contributing may be taken back. Federally the withdrawal can still be tax-free, so the question is whether the benefit is worth the state tax.
General information, not tax advice. Source: NYSaves (New York 529) on K-12 withdrawals. Source: Saving for College, which states conform to federal 529 law (Jan. 2026). How it works
Plan and track St. Rose of Lima Elementary School costs
Add this school to a free plan, see how it fits with college savings, and log each tuition bill, book and test fee so it is checked against the rules and ready for tax time.
School details: Massapequa, NY · Private (Catholic) · Grades PK to 8. Source: U.S. Department of Education, National Center for Education Statistics (2021-22). General information, not tax advice.