The Cost-of-Living Adjustment (COLA) is an annual increase in federal benefit payments to help offset inflation. It affects various programs, including Supplemental Nutrition Assistance Program (SNAP) benefits, which support low-income households that meet specific income and need criteria.
In 2025, the COLA was 2.5%, while analysts, including The Senior Citizens League, estimate a 2.7%–2.8% increase for 2026. Although COLA affects Social Security, it also indirectly influences SNAP benefit levels by shaping broader economic indicators.
How COLA Influences SNAP Payments
It is crucial to understand the difference between COLA and SNAP adjustments:
- COLA is calculated by the Social Security Administration (SSA) to adjust Social Security benefits annually.
- SNAP maximum allotments are updated each year by the U.S. Department of Agriculture (USDA) through the Food and Nutrition Service (FNS).
SNAP benefit levels are based on the Thrifty Food Plan, which measures the changing cost of essential groceries. The USDA reviews this data up to June each year, and new benefit amounts take effect on October 1. While both COLA and SNAP respond to price trends, SNAP increases are not directly tied to COLA.
SNAP Maximum Benefits: 2025 vs. Projected 2026
Here’s a comparison showing current 2025 SNAP benefits and their projected 2026 amounts with a 2.8% hypothetical increase:
| Household Size | 2025 SNAP Benefits | Projected 2026 Benefits (2.8% Increase) |
|---|---|---|
| 1 person | $292 | $299.88 |
| 2 people | $536 | $550.47 |
| 3 people | $768 | $788.74 |
| 4 people | $975 | $1,001.32 |
| 5 people | $1,158 | $1,189.27 |
| 6 people | $1,390 | $1,427.53 |
| 7 people | $1,536 | $1,577.47 |
| 8 people | $1,756 | $1,803.41 |
| Each Additional Member | +$220 | +$225.94 |
Eligibility Requirements for SNAP in 2025
To qualify for SNAP benefits, applicants must meet three major eligibility criteria:
1. Income Thresholds
- Gross monthly income must be at or below 130% of the Federal Poverty Line (FPL).
- Net income must be 100% or below the FPL.
2. Financial Resources
- Households must have assets below $2,750, including cash and bank balances.
- This limit increases to $4,250 if the household includes a person aged 60 or older or someone with a disability.
- Primary residence and one vehicle are excluded from this calculation.
3. Residency, Immigration, and Work Rules
- Applicants must be U.S. citizens or qualifying legal immigrants.
- They must reside in the state where they apply and verify their residency with documents.
- Able-Bodied Adults Without Dependents (ABAWDs) aged 18 to 54 must be working, seeking work, or enrolled in job training for a minimum number of weekly hours.
Tips for a Smooth SNAP Application
Before applying, visit your local SNAP office or use the USDA’s official SNAP locator. Gathering all documents and confirming eligibility beforehand will help avoid rejections and make the application process more efficient.
The expected 2.7%–2.8% COLA boost in 2026 could slightly raise SNAP benefits, easing financial pressure on low-income households.
Understanding how SNAP amounts are calculated and meeting the eligibility criteria will ensure you get the support you qualify for. Stay informed about changes each year to make the most of this crucial assistance.
FAQs
Will SNAP benefits automatically rise with COLA in 2026?
No, SNAP adjustments are based on the Thrifty Food Plan and are set by the USDA, not directly by COLA, though both track inflation.
When will the 2026 SNAP benefit amounts be announced?
The USDA typically updates SNAP amounts every October 1, based on cost data collected through June of the same year.
Can I qualify for SNAP if I own a home or car?
Yes. The value of your primary residence and one vehicle is not counted toward the SNAP asset limit.
