New Jersey SNAP helps low-income families buy food. For 2026, most households qualify if their gross monthly income is at or below 185% of the Federal Poverty Level.
Quick Summary:
- Gross income limit: $2,413/month for 1 person
- No asset test for most New Jersey households
- Maximum benefit: $298/month for 1 person
- Elderly or disabled households have special rules
- Apply online through the NJ SNAP portal
- Work requirements apply to able-bodied adults
Page Contents
2026 New Jersey SNAP Income Limits
New Jersey uses gross monthly income to determine SNAP eligibility. Your household must earn at or below these amounts before taxes.
Gross Monthly Income Limits (185% FPL)
| Household Size | Gross Monthly Income Limit |
|---|---|
| 1 person | $2,413 |
| 2 people | $3,261 |
| 3 people | $4,109 |
| 4 people | $4,957 |
| 5 people | $5,805 |
| 6 people | $6,653 |
| 7 people | $7,501 |
| 8 people | $8,349 |
| Each additional person | Add $848 |
Source: USDA Food and Nutrition Service
Special Eligibility Rules for New Jersey
Net Income Test
After deductions, your net income must be at or below 100% FPL. For one person, that’s $1,305 per month.
Allowable deductions include:
- High housing costs (rent or mortgage)
- Dependent care expenses
- Medical expenses for elderly or disabled members
- Child support payments
Elderly or Disabled Households
If someone in your home is 60 or older or disabled, different rules apply. The gross income test may be waived. You’ll qualify by meeting the net income test and asset limits instead.
State Minimum Benefit
New Jersey guarantees a minimum SNAP benefit of $95 per month. This is higher than the federal minimum.
New Jersey SNAP Asset Limits
New Jersey has expanded categorical eligibility. Most households have no asset limit.
Asset rules:
- Most households: No asset test required
- Elderly or disabled households over 185% gross income: $4,500 resource limit applies
Assets include bank accounts, cash, and vehicles. Your home and retirement accounts don’t count.
Maximum SNAP Benefits in New Jersey for 2026
Your benefit amount depends on household size and net income.
Maximum monthly benefits:
- 1 person: $298
- 2 people: $546
- 3 people: $785
- 4 people: $994
- 5 people: $1,204
- 6 people: $1,413
- 7 people: $1,621
- 8 people: $1,789
Most households receive less than the maximum. Your exact benefit is based on your net income after deductions.
Source: New Jersey Department of Human Services
Work Requirements for SNAP in New Jersey
Able-bodied adults without dependents (ABAWDs) must meet work requirements.
Who must work:
- Ages 18 to 64
- Not disabled
- No dependents under 18
Requirement:
Work or participate in training for at least 80 hours per month.
Time limit:
If you don’t meet this requirement, you can only receive SNAP for three months in a three-year period.
Exemptions:
- Pregnant women
- Parents with children under 18
- People physically or mentally unfit for work
- Students in approved programs
How to Apply for New Jersey SNAP
Applying for food stamps in New Jersey is simple.
Step 1: Check Your Eligibility
Use the NJ SNAP screening tool to see if you qualify.
Step 2: Gather Documents
You’ll need:
- Proof of identity (driver’s license or ID card)
- Social Security numbers for all household members
- Proof of income (pay stubs, benefit letters)
- Rent or mortgage statements
- Utility bills
Step 3: Apply Online
Visit the official New Jersey SNAP portal at NJ SNAP. You can also apply in person at your county welfare agency.
Step 4: Complete an Interview
A caseworker will contact you for a phone interview. Answer questions about your household and income.
Step 5: Get Your Benefits
If approved, you’ll receive an EBT card. Benefits are loaded monthly.
Frequently Asked Questions (FAQs)
What is the income limit for SNAP in New Jersey for 2026?
For most households, the gross monthly income limit is 185% of the Federal Poverty Level. A single person must earn $2,413 or less per month before taxes to qualify for New Jersey SNAP benefits.
Does New Jersey have an asset limit for SNAP?
Most New Jersey households have no asset limit due to expanded categorical eligibility. However, elderly or disabled households exceeding 185% gross income face a $4,500 resource limit for bank accounts and cash.
How much SNAP will I get in New Jersey?
Maximum benefits range from $298 for one person to $1,789 for eight people monthly. Your actual benefit depends on household size, income, and allowable deductions like rent and medical expenses.
Do I have to work to get food stamps in NJ?
Able-bodied adults ages 18–64 without dependents must work or train 80 hours monthly. Otherwise, benefits are limited to three months in three years. Parents, elderly, disabled, and students are exempt.
Can senior citizens get SNAP in New Jersey?
Yes. Households with members aged 60 or older have special rules. They may qualify even if gross income exceeds 185% FPL, provided net income and assets meet limits. Medical expense deductions help.
How do I apply for New Jersey SNAP benefits?
Apply online at the NJ SNAP portal (njhelps.org), by phone, or in person at your county welfare office. You’ll need ID, Social Security numbers, income proof, and housing cost documents.
Last Updated: January 2026
Need Help? Visit the New Jersey SNAP website or call your local county board of social services for assistance.
