Federal Poverty Level Calculator 2026
Enter your household income and family size to instantly find your FPL percentage — and see which programs you may qualify for in your state.
Federal Poverty Level (FPL) Calculator
Enter any one income field or an FPL percentage — the rest calculate automatically.
Your FPL Calculation Results
| Household Size | Annual Income | Monthly | Biweekly | Weekly | FPL Threshold | % of FPL |
|---|
2026 Federal Poverty Level Guidelines (Contiguous U.S.)
| Size | 50% FPL | 100% FPL | 130% FPL | 138% FPL | 150% FPL | 200% FPL | 300% FPL | 400% FPL |
|---|
What Are Federal Poverty Guidelines / Levels (FPL)?
The Federal Poverty Guidelines — commonly called Federal Poverty Levels or FPLs — are federally established income thresholds that indicate the minimum annual income an individual or family needs to cover basic essentials such as housing, utilities, clothing, food, and transportation. These guidelines are set based on household size and geographic location, and are published each year — generally in mid-to-late January — by the U.S. Department of Health and Human Services (HHS).
FPLs are the same across 48 of the 50 states. Alaska and Hawaii are the two exceptions, carrying higher thresholds to reflect their significantly elevated costs of living. In 2026, the annual FPL for a single individual is $19,950 in Alaska, $18,360 in Hawaii, and $15,960 in the remaining 48 contiguous states.
It’s important not to confuse Federal Poverty Guidelines with the Federal Poverty Threshold. Both are federal measures of poverty, but they serve different purposes. The Federal Poverty Threshold is determined by the U.S. Census Bureau and is used to count the number of Americans living in poverty. HHS then uses that data to establish the Federal Poverty Guidelines — the figures that matter for program eligibility. For a full explanation, see What Is the Federal Poverty Level?
2026 FPL — 1 Person
$15,960/year ($1,330/mo) contiguous U.S.
Alaska: $19,950 • Hawaii: $18,360
2026 FPL — Family of 4
$33,000/year ($2,750/mo) contiguous U.S.
Alaska: $41,250 • Hawaii: $37,950
Per Additional Person
Each extra person adds $5,680/year to the FPL threshold in the contiguous U.S. (Alaska: $7,100 • Hawaii: $6,530)
Updated Annually
HHS revises FPL guidelines every January. Use the year dropdown in the calculator for guidelines back to 2021.
2026 Federal Poverty Level — 48 Contiguous States (Annual)
| Household Size | 100% FPL | 133% FPL | 138% FPL | 150% FPL | 200% FPL | 300% FPL | 400% FPL |
|---|---|---|---|---|---|---|---|
| 1 | $15,960 | $21,227 | $22,025 | $23,940 | $31,920 | $47,880 | $63,840 |
| 2 | $21,640 | $28,781 | $29,863 | $32,460 | $43,280 | $64,920 | $86,560 |
| 3 | $27,320 | $36,336 | $37,702 | $40,980 | $54,640 | $81,960 | $109,280 |
| 4 | $33,000 | $43,890 | $45,540 | $49,500 | $66,000 | $99,000 | $132,000 |
| 5 | $38,680 | $51,444 | $53,378 | $58,020 | $77,360 | $116,040 | $154,720 |
| 6 | $44,360 | $58,999 | $61,217 | $66,540 | $88,720 | $133,080 | $177,440 |
| 7 | $50,040 | $66,533 | $69,055 | $75,060 | $100,080 | $150,120 | $200,160 |
| 8 | $55,720 | $74,108 | $76,894 | $83,580 | $111,440 | $167,160 | $222,880 |
| +1 person | +$5,680 | +$7,554 | +$7,838 | +$8,520 | +$11,360 | +$17,040 | +$22,720 |
2026 Federal Poverty Level — Alaska (Annual)
| Household Size | 100% FPL | 133% FPL | 138% FPL | 150% FPL | 200% FPL | 300% FPL | 400% FPL |
|---|---|---|---|---|---|---|---|
| 1 | $19,950 | $26,534 | $27,531 | $29,925 | $39,900 | $59,850 | $79,800 |
| 2 | $27,050 | $35,977 | $37,329 | $40,575 | $54,100 | $81,150 | $108,200 |
| 3 | $34,150 | $45,420 | $47,127 | $51,225 | $68,300 | $102,450 | $136,600 |
| 4 | $41,250 | $54,863 | $56,925 | $61,875 | $82,500 | $123,750 | $165,000 |
| 5 | $48,350 | $64,306 | $66,723 | $72,525 | $96,700 | $145,050 | $193,400 |
| 6 | $55,450 | $73,749 | $76,521 | $83,175 | $110,900 | $166,350 | $221,800 |
| 7 | $62,550 | $83,192 | $86,319 | $93,825 | $125,100 | $187,650 | $250,200 |
| 8 | $69,650 | $92,635 | $96,117 | $104,475 | $139,300 | $208,950 | $278,600 |
| +1 person | +$7,100 | +$9,443 | +$9,798 | +$10,650 | +$14,200 | +$21,300 | +$28,400 |
2026 Federal Poverty Level — Hawaii (Annual)
| Household Size | 100% FPL | 133% FPL | 138% FPL | 150% FPL | 200% FPL | 300% FPL | 400% FPL |
|---|---|---|---|---|---|---|---|
| 1 | $18,360 | $24,419 | $25,337 | $27,540 | $36,720 | $55,080 | $73,440 |
| 2 | $24,890 | $33,104 | $34,348 | $37,335 | $49,780 | $74,670 | $99,560 |
| 3 | $31,420 | $41,789 | $43,360 | $47,130 | $62,840 | $94,260 | $125,680 |
| 4 | $37,950 | $50,474 | $52,371 | $56,925 | $75,900 | $113,850 | $151,800 |
| 5 | $44,480 | $59,158 | $61,382 | $66,720 | $88,960 | $133,440 | $177,920 |
| 6 | $51,010 | $67,843 | $70,394 | $76,515 | $102,020 | $153,030 | $204,040 |
| 7 | $57,540 | $76,528 | $79,405 | $86,310 | $115,080 | $172,620 | $230,160 |
| 8 | $64,070 | $85,213 | $88,417 | $96,105 | $128,140 | $192,210 | $256,280 |
| +1 person | +$6,530 | +$8,685 | +$9,011 | +$9,795 | +$13,060 | +$19,590 | +$26,120 |
Source: U.S. Department of Health and Human Services (HHS). Effective January 14, 2026. For information purposes only — verify with the administering program for official eligibility determinations.
Programs That Use the Federal Poverty Level
Many state and federal programs — and even some local ones — use FPLs to determine income eligibility for program benefits. The exact percentage of the FPL used for eligibility purposes varies based on the program and the state. After calculating your FPL percentage above, use this table to understand what you may qualify for. For full state-specific rules, see our poverty level income guide.
| Program | FPL Threshold | What It Covers | Agency |
|---|---|---|---|
| Medicaid (Regular / ABD) | 100% FPL in many states | Healthcare for low-income aged, blind, and disabled individuals | State Medicaid agency / CMS |
| Medicaid (ACA Expansion) | Up to 138% FPL | Healthcare for adults 19–64 in expansion states | State Medicaid agency / CMS |
| Nursing Home Medicaid / HCBS Waivers | 300% FBR ($2,982/mo in 2026) | Long-term care in nursing facilities or at home | State Medicaid agency |
| CHIP | Up to 200–300% FPL (varies) | Health coverage for children under age 19 | State agency / CMS |
| ACA Premium Tax Credits | 100%–400% FPL | Reduced Marketplace health insurance premiums | Healthcare.gov / state exchange |
| ACA Cost-Sharing Reductions | Up to 250% FPL (silver plans) | Lower deductibles and out-of-pocket costs | Healthcare.gov / state exchange |
| SNAP (Food Stamps) | 130% gross / 100% net FPL | Monthly food assistance via EBT card | USDA / state DHS |
| WIC | Up to 185% FPL | Food and nutrition for women, infants, and children under 5 | USDA FNS |
| LIHEAP | Up to 150% FPL (varies by state) | Utility and energy bill assistance | HHS / state energy office |
| Weatherization Assistance | Up to 200% FPL | Home energy efficiency improvements for low-income households | U.S. Dept. of Energy / state agency |
| Medicare Extra Help | Up to 150% FPL | Reduced Medicare Part D prescription drug costs | Social Security Administration |
| Section 8 Housing | Up to 50% of Area Median Income | Housing choice vouchers and rental assistance | HUD / local Public Housing Authority |
| Lifeline (Phone/Internet) | At or below 135% FPL | Discounted monthly phone or broadband service | FCC / USAC |
ACA Marketplace plans effective in 2026 use 2025 FPL numbers for premium tax credit eligibility. Program income thresholds and rules vary by state. Always verify with the administering program or your state agency before making eligibility decisions.
How to Use the FPL Calculator
Our federal poverty guideline calculator gives you instant, accurate results in seconds:
- 1Select a year — choose 2026 for current guidelines, or go back to 2021–2025 for prior-year calculations.
- 2Enter household size — count all people who live together and share income and expenses, including yourself.
- 3Check your state — if you live in Alaska or Hawaii, check the box and select your state. All other states use the contiguous U.S. figures.
- 4Enter your income — annual, monthly, biweekly, or weekly. The calculator converts automatically. Or enter a target FPL percentage to find the income it corresponds to.
- 5Click Calculate — your FPL percentage and full income breakdown appear instantly, along with a reference table showing 8 key thresholds for every household size.
For more guidance, read What Is the Federal Poverty Level? or browse our FAQ page.
What Are Federal Benefit Rates (FBR)?
The Federal Benefit Rate (FBR) is the maximum monthly cash benefit that an aged, blind, or disabled person who qualifies for Supplemental Security Income (SSI) can receive. You may also hear it referred to as the “Federal SSI Payment,” “SSI Federal Benefit Amount,” or “SSI Standard Payment Amount.” The SSI program serves the elderly, blind, and disabled who have limited financial means.
In 2026, the maximum FBR is $994/month for a single individual and $1,491/month for a married couple. These figures are updated and released by the Social Security Administration (SSA) at the end of each year, becoming effective the following January.
Importance of FPLs and FBRs to Medicaid Eligibility
All Medicaid programs have income limits for eligibility purposes. These limits vary based on the state, the program being applied for, and the applicant’s marital status. That said, more than half of all states use 100% of the Federal Poverty Level — or a percentage of it — to determine income eligibility for Regular Medicaid (serving aged, blind, and disabled individuals).
As of 2026, the annual FPL for an individual is $15,960 ($1,330/month), and for a married couple is $21,640 ($1,803.33/month). Some states also use the FPL, or a percentage of it, to set income limits for Nursing Home Medicaid or HCBS (Home and Community Based Services) Medicaid Waivers.
Alternatively, some states use the Federal Benefit Rate to determine Medicaid income eligibility. In many states, eligibility for Medicaid is automatic if one qualifies for SSI. For Nursing Home Medicaid and HCBS Medicaid Waivers, many states set the monthly income limit at 300% of the FBR. In 2026, that figure is $2,982/month ($994 × 3) for a single applicant. In states where both spouses of a married couple apply for Nursing Home Medicaid or an HCBS Waiver, each spouse is typically evaluated as a single applicant for income eligibility purposes.
2026 FBR — Individual
Maximum SSI payment: $994/month. Many states use this as a Medicaid income limit for aged, blind, and disabled applicants.
2026 FBR — Married Couple
Maximum SSI payment for a couple: $1,491/month. Set annually by the Social Security Administration.
Nursing Home / HCBS Limit
Many states use 300% of the FBR as the income limit for Nursing Home Medicaid. In 2026, that equals $2,982/month.
SSI-Linked Medicaid
In many states, qualifying for SSI automatically qualifies you for Medicaid — no separate Medicaid application needed.
For state-specific Medicaid income limits and eligibility criteria, see our full FPL and Medicaid eligibility guide.
FPL Calculator by State — All 50 States
The federal poverty guideline is uniform across all 48 contiguous states. Our poverty guideline calculator works for every state. Select your state below for state-specific Medicaid, SNAP, and program eligibility details.
Alaska & Hawaii residents: Check the “Alaska or Hawaii” box in the calculator above to apply the correct higher thresholds — $19,950 (Alaska) and $18,360 (Hawaii) for one person in 2026.