NJ SNAP Gross Income Limits for Fiscal Year 2025
For the federal fiscal year 2025, which runs from October 1, 2024, to September 30, 2025, New Jersey uses expanded categorical eligibility to set its gross monthly income limits for SNAP at 185% of the federal poverty level. Gross income refers to the total amount of household income before any taxes or deductions are taken out.
Gross Monthly Income Eligibility Standard (Oct 2024 - Sept 2025)
- Household of 1: $2,322
- Household of 2: $3,152
- Household of 3: $3,981
- Household of 4: $4,810
- Household of 5: $5,640
- Household of 6: $6,469
- Household of 7: $7,299
- Household of 8: $8,128
- Each Additional Member: +$830
It is important to note that meeting the gross income limit does not guarantee eligibility, but is a key first step in the process. Some households may have their eligibility determined by the net income test instead.
Special Rules for Households with Seniors or Disabled Members
New Jersey offers more flexible eligibility rules for households that include an elderly member (aged 60 or older) or a person with a disability. These households may still qualify for SNAP even if their gross income is slightly higher than the standard limits listed above. For these households, a net income test is used, which considers household income after certain expenses and deductions.
Comparison of Standard vs. Elderly/Disabled Household Rules
| Eligibility Factor | Standard Households | Households with Elderly/Disabled Members |
|---|---|---|
| Gross Income Limit | 185% of FPL | Higher flexibility, may be over 185% FPL |
| Net Income Limit | Must meet the net income test | Must meet the net income test, which factors in additional deductions |
| Resource (Asset) Limit | No limit in most cases | May have higher resource limits, typically $4,250 |
| Deductions | Standard, earned income, and dependent care deductions | Additional deduction for out-of-pocket medical costs over $35 per month |
| Work Requirements | Able-bodied adults must meet certain work rules | Exempt from federal work requirements |
Understanding Countable Income and Deductions
To determine your eligibility, the SNAP program considers various types of income. Gross income includes earned income (wages from a job) and unearned income (Social Security, child support, etc.). However, when calculating net income for certain households, several expenses are deducted from the gross amount, which can help a household qualify.
Common Deductions Considered by SNAP
- Standard Deduction: A set amount determined by household size.
- Earned Income Deduction: 20% of earned income is deducted.
- Excess Shelter Costs: Some households can deduct shelter costs (rent, mortgage, etc.) that exceed 50% of the household's income after other deductions.
- Dependent Care: Costs for child or adult care that are necessary for work or training.
- Medical Expenses: Out-of-pocket medical costs for elderly (60+) or disabled household members that exceed $35 per month can be deducted.
Other Eligibility Factors for NJ SNAP
Beyond income, other criteria must be met to receive SNAP benefits in New Jersey.
Key Eligibility Requirements
- New Jersey Residency: All applicants must be residents of New Jersey.
- Citizenship/Immigration Status: Applicants must be U.S. citizens or lawfully present non-citizens.
- Work Requirements: Able-bodied adults without dependents (ABAWDs) aged 18-54 must follow certain work requirements to receive benefits for more than three months in a three-year period.
- Household Composition: A SNAP household is defined as anyone who lives and eats together. All members who purchase and prepare meals together must be included on the application.
How to Apply for NJ SNAP
If you believe you meet the income limits and other eligibility requirements, you can apply for New Jersey SNAP through several methods. The state's online portal is often the most convenient way to begin the process.
Application Methods
- Online: Visit the NJ Helps website to apply online and manage your case. The site also provides a screening tool to check eligibility.
- In-Person/Mail/Fax: You can download a paper application from the NJSNAP website and submit it to your County Social Service Agency.
- Application Assistance: Organizations like the Community FoodBank of New Jersey (CFBNJ) offer free assistance with the application process.
Conclusion
Understanding the income limits and other eligibility factors is the first step toward receiving food assistance through the NJ SNAP program. The income thresholds for the federal fiscal year 2025 are dependent on household size, with more lenient rules for families that include elderly or disabled members. By utilizing online resources like NJ Helps or seeking assistance from community organizations, New Jersey residents can navigate the application process to secure the benefits they need to provide healthy meals for their families.
Keypoints
- 2025 Gross Income Limits: New Jersey's SNAP income limits for fiscal year 2025 are based on 185% of the federal poverty level, with the maximum allowable income varying by household size.
- Special Rules for Elderly/Disabled: Households with members aged 60 or older or with disabilities have more flexible eligibility rules, potentially qualifying with higher gross income by meeting a net income test.
- Income Calculation with Deductions: For some households, a net income test is used, which deducts expenses like shelter, dependent care, and medical costs for seniors/disabled members from gross income.
- Other Eligibility Requirements: In addition to income, applicants must be NJ residents, U.S. citizens or lawful non-citizens, and meet specific work requirements (if applicable).
- Multiple Ways to Apply: Applications for NJ SNAP can be submitted online via the NJ Helps portal, in person, by mail, or with free assistance from community organizations.
