SNAP Benefits 2026 Update: What the Latest Rules and Payments Mean for Families

Introduction

The Supplemental Nutrition Assistance Program (SNAP), formerly known as food stamps, helps millions of low-income families buy nutritious food each month through EBT cards. In fiscal year 2026 (October 1, 2025 – September 30, 2026), families are seeing a mix of modest benefit increases from the annual Cost-of-Living Adjustment (COLA) and significant policy changes from recent federal legislation like the One Big Beautiful Bill Act (OBBBA) of 2025. These updates include higher maximum allotments, expanded work requirements, restrictions on certain food purchases in many states, and shifts in state cost-sharing that could affect program administration and access. While the COLA provides a small boost to keep pace with food costs, new rules around eligibility, work mandates, and allowable purchases are reshaping how families use SNAP. This guide explains the key 2026 changes, updated payment amounts, who qualifies, and what families should expect moving forward.

7 Major SNAP Changes and Updates for Families in 2026

1. Modest COLA Increase to Maximum Allotments SNAP benefits rose slightly for FY 2026 due to the annual COLA adjustment. In the 48 contiguous states and D.C., the maximum monthly allotment for a family of four is now $994 (up from previous levels), with the minimum benefit increasing to $24 for small households. Amounts are higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands to account for elevated local food costs.
2. Expanded Work Requirements for Able-Bodied Adults Under the OBBBA, work rules have tightened for able-bodied adults without dependents (ABAWDs), requiring 20 hours per week of work, job training, or volunteering to maintain benefits beyond three months in a 36-month period. Some states have expanded this to older adults (ages 55–64) previously exempt, with limited waivers for certain groups like those with disabilities or young children.
3. Food Purchase Restrictions in Multiple States The USDA has approved waivers for at least 18 states to limit SNAP-eligible items, prohibiting purchases of candy, sugar-sweetened beverages, soft drinks, and similar non-nutritious foods starting in 2026. Implementation varies: some states began January 1, 2026, while others roll out in spring/summer. Affected families must adjust shopping habits, as restricted items will be declined at checkout.
4. Stricter Eligibility and Non-Citizen Rules SNAP eligibility now limits access for certain non-citizens, generally requiring lawful permanent residents to have resided in the U.S. for at least five years (with exceptions). Refugees, asylum seekers, and some other categories may lose eligibility in 2026. States also face increased scrutiny on payment errors, with penalties starting in 2027–2028 based on FY 2025/2026 rates.
5. State Cost-Sharing and Administrative Changes Starting October 2026, states will cover an additional 25% of SNAP administrative costs, with further shifts later. High-error-rate states could face penalties (5–15% of benefits), potentially pressuring budgets and leading to tighter eligibility checks or reduced services in some areas.
6. Other Adjustments: Utility Deductions and Student Eligibility Some states now include basic internet costs in shelter/utility deductions, potentially increasing benefits for households with high expenses. Broader eligibility for college students (half-time or more) with low income or work-study participation helps address campus food insecurity.
7. Payment Schedules and What Families Should Expect SNAP benefits are issued monthly based on state schedules (often staggered by case number or last name). The COLA increase applies automatically to active cases, but new work rules or restrictions may reduce benefits for non-compliant households. Families should report changes in income, household size, or expenses promptly to avoid overpayments or interruptions.

Conclusion

SNAP benefits in 2026 offer modest COLA increases—such as the $994 maximum for a family of four in most states—to help families keep pace with food costs, but major policy shifts like expanded work requirements, food purchase restrictions in many states, and stricter eligibility for non-citizens are creating significant changes. These updates, driven by the One Big Beautiful Bill Act and USDA waivers, aim to promote employment, nutrition, and program integrity but could reduce access or benefits for some households if requirements aren’t met. Families should check their state’s SNAP agency website or contact their local office for personalized details on eligibility, payment dates, and how new rules apply. Stay informed through official USDA or state sources to maintain benefits and avoid disruptions—proactive reporting and compliance are key in this evolving landscape.