SNAP in Texas: Income Limits, EBT Payment Dates and How to Apply
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SNAP in Texas pays for groceries through the Lone Star Card. From October 1, 2026 the gross income limit is $2,195 a month for one person and $4,538 for four, the maximum benefit for a family of four is $1,023, and benefits land on a date set by your case number. Every figure on this page is from USDA's FY2027 cost-of-living memo or Texas's own SNAP pages, dated 2026-09-23.
| Program name | SNAP |
|---|---|
| EBT card | Lone Star Card |
| Apply | www.yourtexasbenefits.com · 877-541-7905 |
| EBT card line | 800-777-7328 |
| Gross income test | 165% of poverty (broad-based categorical eligibility) |
| Asset test | $5,000 |
| Payment dates | cases certified after June 2020 pay 16th to 28th by the last two digits of your EDG number; older cases 1st to 15th by the last digit |
Income limits in Texas from October 1, 2026
Texas uses broad-based categorical eligibility, which raises the gross income test from the federal 130% of poverty to 165%, and applies an asset limit of $5,000. The net income test, 100% of poverty after deductions, still decides whether you get anything and how much. In practice a household over 130% but under 165% usually qualifies only if rent, child care or medical costs bring net income down.
| Household size | Gross monthly limit (165%) | Net monthly limit (100%) | Maximum benefit |
|---|---|---|---|
| 1 | $2,195 | $1,330 | $306 |
| 2 | $2,976 | $1,804 | $562 |
| 3 | $3,757 | $2,277 | $808 |
| 4 | $4,538 | $2,750 | $1,023 |
| 5 | $5,319 | $3,224 | $1,217 |
| 6 | $6,100 | $3,697 | $1,463 |
| 7 | $6,881 | $4,170 | $1,616 |
| 8 | $7,662 | $4,644 | $1,841 |
| Each additional | +$781 | +$474 | +$225 |
FY2027, October 1, 2026 to September 30, 2027. Income limits computed from the 2026 HHS poverty guideline the way USDA computes them. Households with a member who is 60 or older or disabled skip the gross test and face only the net test.
Net income in Texas is figured after the $217 standard deduction for households of one to three, 20% of earnings, dependent care, and shelter costs capped at $769; the SNAP benefits guide walks through the arithmetic.
How Texas compares
Texas sits in the middle band: its 165% gross limit is above the federal 130% used in 14 states but below the 200% used by 28 states and DC, and unusually it keeps an asset test of $5,000. Payment dates depend on when your case was opened or which group it falls in, so check the schedule below. On accuracy, Texas ranked 24 of 51 in FY2025 (1 is the lowest error rate).
When Texas loads benefits
Per USDA's issuance schedule, Texas pays as follows: cases certified after June 2020 pay 16th to 28th by the last two digits of your EDG number; older cases 1st to 15th by the last digit. Benefits post overnight and are spendable the next morning; unused benefits roll over month to month but are removed after nine months without use. USDA's published schedule has not been refreshed since 2021, so if a date matters, confirm it at www.hhs.texas.gov.
How to apply in Texas
- Apply online at www.yourtexasbenefits.com, or call 877-541-7905. Paper and in-person applications also work; the date the office receives any signed application with your name and address is the date your benefits start from.
- Under $150 in monthly income and $100 or less in the bank, or income plus cash below rent and utilities? Say expedited; 7 CFR 273.2(i) requires benefits within seven days.
- Do the phone interview, send proof, and set a PIN on the Lone Star Card when it arrives.
Card problems, balances and PIN changes: 800-777-7328. A SNAP case also qualifies you for a free Lifeline phone; the carriers serving Texas are ranked on our Texas phone guide, and the paperwork is on free phone with food stamps.
Texas specifics
- Texas's SNAP payment error rate for FY2025 was 9.34% against a national 10.62%. Under the 2025 law, a rate in that band would put Texas in the 10% cost-share tier when states start paying a share of benefits from October 2027. That is a budget question for the state, not a change to your eligibility, but it is why several states are tightening verification now.
- Local offices serve Houston, San Antonio, Dallas and every county; the state phone line above routes you to yours.
The 2025 federal law's changes, from the age-64 time limit to the end of the internet deduction, apply in Texas as everywhere and are listed on the SNAP benefits guide. Health coverage for the same household is on the Texas Medicaid page.
Common questions
What is the SNAP income limit in Texas in 2026-27?
From October 1, 2026, $2,195 a month gross for one person and $4,538 for a household of four, because Texas uses broad-based categorical eligibility at 165% of the poverty guideline. Net income after deductions must also be at or below 100% of poverty: $1,330 for one person and $2,750 for four.
How much does SNAP pay in Texas?
Up to $306 a month for one person and $1,023 for four in FY2027 (October 1, 2026 to September 30, 2027); minimum $25 for one or two people.
When are SNAP benefits deposited in Texas?
Cases certified after June 2020 pay 16th to 28th by the last two digits of your EDG number; older cases 1st to 15th by the last digit, per USDA's schedule, onto the Lone Star Card.
What is the Texas EBT card called, and who do I call about it?
The Lone Star Card; card problems go to 800-777-7328 and case questions to 877-541-7905.
Sources
- USDA FNS: FY2027 SNAP cost-of-living adjustments
- Texas SNAP program page
- USDA FNS: SNAP state directory
- USDA FNS: monthly issuance schedule
- USDA FNS: broad-based categorical eligibility chart (June 2026)
- USDA FNS: FY2025 payment error rates
Gov-Grants.org is an independent guide, not a carrier and not a government agency. We never charge fees, and every fact above links to its source with the date we checked it. Program details change; confirm on the official site before applying.