Good news for recipients of the Supplemental Nutrition Assistance Program (SNAP): projections indicate a cost-of-living adjustment (COLA) of around 2.7% to 2.8% for fiscal year 2026. If confirmed, this increase will take effect on October 1, 2026, raising the maximum monthly assistance amounts loaded to beneficiaries’ EBT cards.
What Is COLA and How It Affects SNAP
COLA is an annual adjustment made to federal benefits to account for rising living costs. In SNAP, maximum benefit levels are updated each fall based on the Thrifty Food Plan and food price data collected through June. The goal is to preserve the purchasing power of low-income households.
Current 2025 Maximums vs Projected 2026 Amounts
Here’s a comparative guide to maximum monthly benefit amounts for 2025 and the projected levels for 2026, assuming the ~2.8% increase. These figures are estimates and will be confirmed with the new fiscal year.
2025 Maximum Monthly Benefits
- 1 person: $292
- 2 people: $536
- 3 people: $768
- 4 people: $975
- 5 people: $1,158
- 6 people: $1,390
- 7 people: $1,536
- 8 people: $1,756
- Each additional person: +$220
Projected 2026 MAX with ~2.8% COLA
- 1 person: $299.88
- 2 people: $550.47
- 3 people: $788.74
- 4 people: $1,001.32
- 5 people: $1,189.27
- 6 people: $1,427.53
- 7 people: $1,577.47
- 8 people: $1,803.41
- Each additional person: +$225.94
General Eligibility Summary
- Income Limits: Gross monthly household income generally must be at or below 130% of the Federal Poverty Level (FPL), and net income below 100% of the FPL after deductions.
- Asset Limits: Countable resources usually capped at around $2,750, rising to $4,250 if a senior (60+) or person with disability lives in the household. Primary home and one vehicle usually exempt.
- Residency & Work Rules: You must live in the state where you apply. Able-bodied adults without dependents (ABAWDs) may be required to meet minimum work/activity hours under state SNAP policies.
How to Apply or Maintain SNAP Benefits
- Online: through your state’s benefits portal
- By Phone: contact your local county office
- In Person: visit your local Department of Social Services
Be prepared to provide identification, updated income statements, proof of housing/utilities, and any other documents your state requests.
Key Points for the Coming Months
- 2026 amounts are projections; final figures will be confirmed at the start of the fiscal year.
- Exact benefit amounts vary based on household size, income, and deductions.
- If you’re already receiving SNAP, the increase will be applied automatically to your EBT card when it goes into effect.