SNAP Eligibility and Benefits: Income Limits and How to Apply
Who qualifies for SNAP (food stamps), the income limits and maximum benefits for Oct. 2026 to Sept. 2027, and how to apply in your state.
KPCB Staff · Mar 16, 2021
By KPCB StaffCombined Expertise In The Low Income Housing Space For 10 Years · How we write our guides

SNAP and WIC are two separate USDA food programs, and many families can get both at the same time. SNAP puts money on an EBT card each month for almost any groceries, and most low-income households can apply. WIC is only for pregnant women, new mothers, babies and children under 5, and it gives a set list of healthy foods plus nutrition and breastfeeding help.
Both programs are free to apply for. Your state or local agency is the only one that can decide whether you qualify, so if you think you might, apply.
| SNAP | WIC | |
|---|---|---|
| Full name | Supplemental Nutrition Assistance Program (once called food stamps) | Special Supplemental Nutrition Program for Women, Infants, and Children |
| Who it serves | Low-income households of any age or family type | Pregnant, postpartum and breastfeeding women, infants, and children up to their 5th birthday |
| Federal income test | Gross income at or below 130% of poverty and net income at or below 100% (most households) | Income at or below 185% of poverty (states may set it lower) |
| Health check | No | Yes, a free nutrition assessment by WIC staff |
| Work rules | Yes, for many adults | No |
| What you get | A monthly dollar amount on an EBT card | A monthly food package on an eWIC card, plus nutrition counseling, breastfeeding support and referrals |
| What you can buy | Almost any food for the household | Only WIC-approved foods in your package |
| Where to apply | Your state SNAP agency | A local WIC agency or clinic |
WIC gives each person enrolled a monthly benefit from one of seven food packages, based on their life stage. You use your eWIC card at WIC-approved grocery stores and farmers' markets.
WIC foods include fresh fruits and vegetables, milk, eggs, cheese, yogurt, beans, peanut butter, whole grain bread and cereal, canned fish, baby food and infant formula. WIC encourages breastfeeding. For mothers who do not fully breastfeed, it provides iron-fortified formula, and special formulas are available when a doctor prescribes them for a medical condition.
Part of each WIC package is a cash-value benefit for fruits and vegetables. USDA adjusts that amount every year for inflation, so ask your WIC office what it is right now. Your state publishes its own list of approved brands and sizes.
WIC also offers services SNAP does not:
SNAP can buy almost any food for the household, including fruits and vegetables, meat, poultry, fish, dairy, bread, cereal, snack foods, non-alcoholic drinks, and seeds and plants that grow food.
Some states now also block soda, candy or other sweetened drinks. USDA has approved these "food restriction waivers" for a number of states, each with its own list and start date. Check your state on the SNAP Food Restriction Waivers map before you shop.
Your monthly SNAP amount depends on household size and income. SNAP expects a household to spend about 30% of its own net income on food, so your benefit is the maximum amount for your household size minus 30% of your net income.
| Household size | Maximum monthly SNAP (Oct. 1, 2026 to Sept. 30, 2027) |
|---|---|
| 1 | $306 |
| 2 | $562 |
| 3 | $808 |
| 4 | $1,023 |
| 5 | $1,217 |
| 6 | $1,463 |
| 7 | $1,616 |
| 8 | $1,841 |
These amounts are for the 48 contiguous states and Washington, D.C. Alaska, Hawaii, Guam and the U.S. Virgin Islands have different amounts. A household with any net income gets less than the maximum.
To get WIC, you must meet four requirements.
If you or the children in your care already get SNAP, Medicaid or TANF, you may automatically meet the WIC income rule.
Here are the federal maximum WIC income limits, effective July 1, 2026 through June 30, 2027, for the 48 contiguous states, D.C., Guam and the territories. Most states use these amounts, but a state may set lower ones.
| Household size | Yearly income | Monthly income |
|---|---|---|
| 1 | $29,526 | $2,461 |
| 2 | $40,034 | $3,337 |
| 3 | $50,542 | $4,212 |
| 4 | $61,050 | $5,088 |
| 5 | $71,558 | $5,964 |
| 6 | $82,066 | $6,839 |
| 7 | $92,574 | $7,715 |
| 8 | $103,082 | $8,591 |
| Each extra person | +$10,508 | +$876 |
If you are pregnant, WIC lets you count each expected baby in your household size. Alaska and Hawaii have higher limits, listed in the WIC Income Eligibility Guidelines 2026-2027.
SNAP looks at your whole household, meaning the people you live with who buy and cook food together. Spouses and most children under 22 are counted together even if they cook separately.
Most households must pass both a gross income test and a net income test. Gross income is your total countable income before deductions. Net income is what's left after deductions such as 20% of earned income, a standard deduction, child care needed for work, and high housing costs.
These limits apply from Oct. 1, 2026 through Sept. 30, 2027 in the 48 contiguous states, D.C., Guam and the U.S. Virgin Islands.
| Household size | Gross monthly income (130% of poverty) | Net monthly income (100% of poverty) |
|---|---|---|
| 1 | $1,729 | $1,330 |
| 2 | $2,345 | $1,804 |
| 3 | $2,960 | $2,277 |
| 4 | $3,575 | $2,750 |
| 5 | $4,191 | $3,224 |
| 6 | $4,806 | $3,697 |
| 7 | $5,421 | $4,170 |
| 8 | $6,037 | $4,644 |
| Each extra person | +$616 | +$474 |
A household with someone 60 or older or with a disability only has to meet the net limit. If everyone in your household gets SSI or TANF, you may count as "categorically eligible." Most states also use broader rules that let more households qualify, so apply even if you are close to these numbers.
USDA lists the resource limit as $3,000 in countable resources, such as cash or bank accounts, or $4,750 if someone is 60 or older or has a disability. Your home, most retirement plans, and the resources of people on SSI or TANF don't count. Many states use higher limits.
The One Big Beautiful Bill Act, signed July 4, 2025, changed SNAP work rules and which noncitizens can get SNAP. USDA says it is still updating its public pages, so ask your state agency how the changes apply to you.
The general work rules still apply to most people ages 16 to 59 who can work. You must register for work, take a suitable job if offered, join a work or training program if the state assigns one, and not quit a job or cut your hours below 30 a week without good reason. People caring for a child under 6, people who can't work for health reasons, and people already working 30 hours a week are among those excused.
Adults who can work and have no dependents face a stricter rule. Unless they work or join a work program at least 80 hours a month, they can get SNAP for only 3 months in 3 years. The 2025 law made this rule apply to more people:
WIC has no work requirement, and these changes do not affect it.
The 2025 law limits SNAP to U.S. citizens and nationals, lawful permanent residents (green card holders), Cuban and Haitian entrants, and people living here under a Compact of Free Association. Other SNAP rules still apply. If one person in your household can't get SNAP, the rest of the household can still qualify, though the agency will count part of that person's income.
If your household has very little money, you may get SNAP within 7 days. For example, you may qualify for this faster service if you have less than $100 in cash and the bank and less than $150 in monthly gross income, or if your income and cash together are less than your rent and utilities.
If you can't go to the office yourself, you can name someone in writing to apply and do the interview for you. For more detail, see our guide on how SNAP works and how to apply.
Our guide to enrolling in WIC walks through the visit in more detail.
If you need help with a denial or appeal, free legal aid may be available through LawHelp.org. To see which other programs you might qualify for, try our benefit finder.
Yes. They are separate programs, and you can be in both if you meet each one's rules. Being on SNAP can make you automatically income-eligible for WIC.
Yes. Infants and children under 5 qualify on their own, so the adult caring for them can apply for them. USDA notes that becoming a foster parent is one of the life changes that can make a family eligible.
Your child's WIC benefits end at their 5th birthday. SNAP has no age limit, so your household can still get SNAP if you qualify.
Yes. SNAP covers any food for the household, which includes formula and baby food. WIC covers only the formula brand your state contracts with, unless a doctor prescribes a special formula.
Most adults 16 to 59 who can work must meet the general work rules. Caring for a child under 6 excuses you from them. The stricter 80-hours-a-month rule doesn't apply if you're responsible for a child under 14.
No. Medicaid is just one way to show you meet WIC's income rule. If you're pregnant, see our guide on how to enroll in Medicaid, since being on Medicaid can make WIC easier to get.

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