What is SNAP?
SNAP stands for the Supplemental Nutrition Assistance Program. Most people still call it "food stamps," though benefits are no longer issued as paper stamps — they come as a monthly amount loaded onto an EBT card (Electronic Benefits Transfer), which works like a debit card at most grocery stores, supermarkets, and farmers markets.
SNAP is the largest food assistance program in the United States. In 2026, over 42 million Americans receive SNAP benefits every month. If you are struggling to afford food, this program is worth applying for.
SNAP income limits for 2026
SNAP uses two income tests — a gross income limit (your total income before deductions) and a net income limit (after certain deductions). Most households need to pass both tests.
| Household Size | Gross Monthly Limit (130% FPL) | Net Monthly Limit (100% FPL) | Max Monthly Benefit |
|---|---|---|---|
| 1 person | $2,248 | $1,255 | $292 |
| 2 people | $3,041 | $1,703 | $536 |
| 3 people | $3,834 | $2,152 | $768 |
| 4 people | $4,625 | $2,600 | $973 |
| 5 people | $5,418 | $3,049 | $1,155 |
| 6 people | $6,211 | $3,498 | $1,386 |
| Each additional person | +$793 | +$449 | +$219 |
What counts as income for SNAP?
SNAP counts most types of income, including wages, self-employment earnings, Social Security, unemployment benefits, and child support received. It does not count SSI payments, most student financial aid, or loans.
After counting gross income, certain deductions are applied to get to your net income. These include a standard deduction, an earnings deduction of 20%, dependent care costs, medical expenses for elderly or disabled members, and excess shelter costs.
What can you buy with SNAP?
SNAP benefits can be used to buy most food items at approved retailers, including:
- Fruits and vegetables
- Meat, poultry, and fish
- Dairy products
- Bread and cereals
- Snack foods and non-alcoholic beverages
- Seeds and plants that produce food
SNAP cannot be used for alcohol, tobacco, vitamins, medicines, hot prepared food, or non-food household items like soap or paper products.
How to apply for SNAP
Find your state's SNAP office
SNAP is administered by each state. Go to fns.usda.gov/snap/state-directory to find your state's application portal. Applying is completely free.
Submit your application
You can apply online, by mail, in person at your local SNAP office, or by phone in most states. You can also apply on behalf of someone else if they cannot apply themselves.
Complete an interview
Most states require a brief interview — usually by phone — to verify your information. This typically takes 15–30 minutes. You can often schedule it right after submitting your application.
Receive your EBT card
If approved, most states process applications within 30 days. If your household is in crisis (very low income and little to no resources), you may qualify for expedited SNAP — benefits within 7 days.
How long does SNAP approval take?
Standard applications must be processed within 30 days. However, if your household has less than $150 in monthly gross income and less than $100 in liquid resources, or your combined monthly gross income and liquid resources are less than your monthly rent/mortgage plus utilities, you qualify for expedited processing — meaning benefits within 7 calendar days.
Frequently asked questions
Can I get SNAP if I'm working?
Yes. Many working Americans with low wages receive SNAP. Having a job does not disqualify you — only your income level matters.
Do I need to be a U.S. citizen to get SNAP?
U.S. citizens who meet income requirements qualify. Certain legal immigrants may also qualify, depending on their immigration status and how long they have been in the country. Undocumented immigrants are not eligible for SNAP.
Will getting SNAP affect my other benefits?
SNAP does not count as income for most other benefit programs. Receiving SNAP generally will not reduce or eliminate your other benefits.
Can college students get SNAP?
Students enrolled at least half-time in higher education face additional eligibility requirements. You may still qualify if you work at least 20 hours per week, participate in a work-study program, care for a dependent child, or receive certain other benefits.