United States · SNAP · FY2027 deductions
SNAP standard deduction 2027.
The FY2027 standard deduction by household size and area, the excess shelter cap, the homeless shelter deduction and the asset limits.
Short answer: In the 48 states and DC the FY2027 SNAP standard deduction is $217 a month for households of 1 to 3, $229 for 4, $268 for 5 and $308 for 6 or more. The maximum excess shelter deduction is $769, the homeless shelter deduction is $205.66, and the asset limit is $3,000 ($4,750 when a member is 60 or older or disabled).
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What the standard deduction does
SNAP compares a household's net income with the net limit, and net income is gross income minus allowable deductions. The standard deduction is the flat deduction every household receives, set by household size and indexed each fiscal year. USDA adjusts SNAP maximum allotments, deductions and income eligibility standards at the start of each fiscal year, October 1, based on changes in the cost of living.
FY2027 standard deductions
| Household size | 48 states and DC | Alaska | Hawaii | Guam | Virgin Islands |
|---|---|---|---|---|---|
| 1 to 3 | $217 | $371 | $306 | $435 | $191 |
| 4 | $229 | $371 | $306 | $457 | $229 |
| 5 | $268 | $371 | $309 | $536 | $268 |
| 6 or more | $308 | $385 | $354 | $614 | $308 |
Shelter, homeless and asset figures
| Item | 48 states and DC | Alaska | Hawaii | Guam | Virgin Islands |
|---|---|---|---|---|---|
| Maximum excess shelter deduction | $769 | $1,229 | $1,306 | $903 | $606 |
| Homeless shelter deduction | $205.66 | $205.66 | $205.66 | $205.66 | $205.66 |
The maximum asset limit is $3,000 for most households and $4,750 for a household with at least one member age 60 or older or disabled, according to FNS Table 5. In states that use broad-based categorical eligibility, the qualifying program's asset limit is listed on the BBCE page.
Worked example
A household of 4 in the 48 states with $2,000 of gross monthly income and no other deduction has a standard deduction of $229, which leaves $1,771 before any other deductions. The same household in Guam has a $457 standard deduction, and in Hawaii $306. Each of those lower the net income that is compared with the $2,750 net limit for 4 ($3,163 in Hawaii).
Common mix-ups
- The size bands are not one per person. The 48-state deduction is the same $217 for 1, 2 and 3 people, then rises at 4, 5 and 6.
- The shelter cap is not the shelter deduction. The federal rule says that if the household has no elderly or disabled member, the shelter deduction cannot exceed the maximum for the area ($769 in the 48 states and DC); the deduction itself is shelter costs above 50 percent of income left after the other deductions.
- Alaska's deduction is flat. $371 for sizes 1 to 5, then $385 for 6 or more.
- The standard deduction is not your whole deduction. Earned income, dependent care, medical and shelter deductions can apply on top of it.
Method
Pick the area and household size; the page returns the FNS Table 2 standard deduction for that size band and the Table 3 maximum excess shelter deduction. Sizes of 6 or more use the 6-or-more band. Nothing is computed beyond reading those figures.
What this does not cover
- The 20% earned income deduction, dependent care, medical and child support deductions.
- How shelter and utility costs convert into the excess shelter deduction.
- State standard utility allowances.
- Fiscal years other than FY2027.
Figures read from the sources below on November 9, 2026. Last updated November 9, 2026.
Sources
- USDA FNS: SNAP FY 2027 Cost-of-Living Adjustments (page updated November 4, 2026) (retrieved November 9, 2026)
- HHS ASPE: 2026 Poverty Guidelines (retrieved November 9, 2026)
- eCFR: 7 CFR 273.9 Income and deductions (excess shelter deduction, paragraph (d)(6)(ii)) (retrieved November 9, 2026)
Frequently asked questions
What is the SNAP standard deduction for 2027?
In the 48 states and DC it is $217 for households of 1 to 3, $229 for 4, $268 for 5 and $308 for 6 or more, for FY2027.
What is the SNAP standard deduction for a family of 4?
$229 in the 48 states and DC; $371 in Alaska, $306 in Hawaii, $457 in Guam and $229 in the Virgin Islands.
What is the maximum SNAP shelter deduction in 2027?
$769 a month in the 48 states and DC, $1,229 in Alaska, $1,306 in Hawaii, $903 in Guam and $606 in the Virgin Islands.
What is the SNAP homeless shelter deduction?
$205.66 a month in every area for FY2027.
What is the SNAP asset limit in 2027?
$3,000, or $4,750 when at least one household member is 60 or older or disabled, per FNS Table 5.
When does the new standard deduction start?
October 1, 2026, the first day of FY2027.
Not legal or tax advice
This page is general information from an unofficial guide, not legal or tax advice, and it is not an eligibility decision. Programs and thresholds change and the figures here are estimates. Confirm with the agency that runs the program before you apply or file. Nothing you type is sent anywhere.