The Kentucky SNAP (Food Stamps) program helps low-income individuals and families buy healthy food. It’s managed by the Kentucky Cabinet for Health and Family Services (CHFS) and issued through the Kentucky EBT card.
✅ Quick Facts for FY 2026 (Oct 2025–Sep 2026):
- Who qualifies? Based on income, household size, and expenses.
- Income limits: Updated for 2026 by USDA (see chart below).
- Maximum benefit: $994 for 4-person household.
- Apply: Online at Kentucky Benefind Portal, by mail, or in person.
- Approval time: 30 days (7 days for emergency).
👉 Use the Kentucky SNAP Calculator to estimate your benefits instantly.
Page Contents
Kentucky SNAP Income Eligibility Chart (2026)
(Effective October 1, 2025 – September 30, 2026)
Source: USDA SNAP FY2026 COLA Memo
| Household Size | Gross Monthly Income (130%) | Net Monthly Income (100%) | Max Monthly Allotment |
|---|---|---|---|
| 1 | $1,696 | $1,305 | $298 |
| 2 | $2,292 | $1,763 | $546 |
| 3 | $2,888 | $2,221 | $785 |
| 4 | $3,483 | $2,680 | $994 |
| 5 | $4,079 | $3,138 | $1,183 |
| 6 | $4,675 | $3,596 | $1,421 |
| 7 | $5,271 | $4,055 | $1,571 |
| 8 | $5,867 | $4,513 | $1,789 |
| Each Add. Person | +$596 | +$459 | +$218 |
💡 In FY 2025, the gross limit for a family of 4 was $3,250 — meaning limits increased in 2026 for inflation adjustment.
FY 2025 (Oct 1, 2024 – Sept 30, 2025) — Official Data
From USDA FNS FY 2025 COLA and Income Eligibility Standards:
** FY 2025 Income & Benefit Standards (48 contiguous states) **
| Household Size | Gross (130% FPL) | Net (100% FPL) | Max Allotment |
|---|---|---|---|
| 1 | $1,580 | $1,215 | $292 |
| 2 | $2,137 | $1,644 | $536 |
| 3 | $2,694 | $2,072 | $768 |
| 4 | $3,250 | $2,500 | $975 |
| 5 | + $557 (gross) | + $429 (net) | $1,158 |
| 6 | — | — | $1,390 |
| 7 | — | — | $1,536 |
| 8 | — | — | $1,756 |
| Each additional member | + $557 (gross) | + $429 (net) | + $220 |
Other 2025 deductions and caps:
- The standard deduction: increased to $204 for household sizes 1-3.
- Shelter cap (max shelter deduction): $712
- Homeless shelter deduction max: $190.30
- Asset limits remain $3,000 (or $4,500 if elderly/disabled)
Other Key SNAP Deductions (2026)
- Standard Deduction: $209 (households 1–3), $223 (4 members), $261 (5), $299 (6+).
- Maximum Shelter Deduction: $744.
- Homeless Shelter Deduction: $198.99.
- Asset Limit:
- $3,000 for regular households.
- $4,500 if a member is 60+ or disabled.
How to Apply for SNAP in Kentucky
You can apply in 3 easy ways:
- Online: Visit benefind.ky.gov and submit your application.
- By Phone: Call (855) 306-8959 (Kentucky DCBS).
- In Person: Visit your local DCBS office.
🧾 Documents you’ll need:
- Proof of identity (ID or driver’s license)
- Social Security number
- Proof of income (pay stubs, benefits letter)
- Rent or mortgage statement
- Utility bills
- Child care or medical expense proof (if applicable)
SNAP Eligibility Rules
You must meet:
- Income limits (see chart above)
- Resource limits ($3,000 or $4,500 for elderly/disabled)
- Residency: Must live in Kentucky
- Citizenship: U.S. citizen or qualified immigrant
FAQs – Kentucky SNAP 2026
1. What is the income limit for 4 people in Kentucky?
The 2026 gross monthly income limit is $3,483; the net limit is $2,680.
2. How much can I get for a family of 4?
The maximum monthly SNAP benefit is $994.
3. How long does it take to get approved?
Usually within 30 days, or 7 days if you qualify for emergency SNAP.
4. Can college students get SNAP in Kentucky?
Yes, if they meet work, income, or exemption requirements.
5. What is the minimum SNAP benefit?
$24 per month for eligible 1–2 person households.
6. Do I need to report income changes?
Yes. If your household income rises by $125 or more, you must report it.
Conclusion
The 2026 Kentucky SNAP income limits have increased, making it easier for more families to qualify. With higher standard deductions and benefit amounts, SNAP continues to help Kentucky residents afford groceries and stay healthy.
If your household meets the income and resource limits, apply today at benefind.ky.gov or contact your local DCBS office.
✅ Check your eligibility and estimate benefits using the Kentucky SNAP Calculator.
