Which state pays the most Social Security benefits in 2025?

In 2025, millions of retirees in the United States receive monthly Social Security payments that vary depending on the state in which they live. Factors such as cost of living, average income and additional state benefits influence how much money goes into their pockets each month through the program.

With the new 2.5% cost-of-living adjustment (COLA) implemented this year, Social Security payments have received a slight increase. This adjustment seeks to compensate for inflation and maintain the purchasing power of beneficiaries.

• Maximum payments for SSI (Supplemental Security Income) recipients have increased to $967 per person.
• Married couples can now receive up to $1,450.
• People classified as “essential” can receive $484 per month.

Although the COLA is standard across the country, the actual amount each person receives can vary depending on the state they live in. The reason? Average income level, local cost of living, and whether the state offers additional SSI supplements.

Which states pay the most Social Security in 2025?

Connecticut

New Jersey

• Average monthly check: $2,190.05
• With a strong per capita income, New Jersey also offers state policies that favor its seniors.

New Hampshire

• Average monthly check: $2,183.82
• Although it has a smaller population, this northeastern state makes up for it with high incomes and a stable quality of life for retirees.

Delaware

• Average monthly check: $2,170.63
• Delaware stands out as one of the favorite places for retirement, with tax benefits and extra state support.

Maryland

• Average monthly check: $2,139.54
• The state’s highly skilled workforce translates into higher Social Security contributions.

Why is there so much difference between states for Social Security payments?

1. Lifetime earnings: Social Security benefits are calculated based on a person’s 35 highest-earning years. If you worked in a state with higher wages, your check is likely to be larger.
2. State Supplements to SSI: Some states offer additional payments to SSI, improving the monthly income for those who are low-income or disabled.
3. Cost of living: States with higher costs for housing, food or health care tend to have more favorable policies or higher benefits.

Can you increase your Social Security check?

• Work more years: Reaching 35 solid working years avoids having “0 income” years included in the calculation.
• Delay your retirement: If you wait until age 70, you can get up to 8% more per additional year.
• Generate extra income: Raising your current income can directly influence the future calculation of your pension.
• Consider moving to another state: There are states with better tax treatment for retirees, which can also help you make the most of your income.

2025 brought a small but significant increase in Social Security payments thanks to the 2.5% COLA. However, not all states are created equal: living in Connecticut, New Jersey or Delaware can make a big difference in your monthly income during retirement.