The Supplemental Nutrition Assistance Program (SNAP) in New Mexico provides monthly benefits to low-income households to purchase nutritious food, helping to alleviate food insecurity and promote access to healthy meals. Benefits are issued via an Electronic Benefits Transfer (EBT) card, known as the New Mexico EBT Card, accepted at most grocery stores, farmers’ markets, and select online retailers like Amazon and Walmart.
This guide outlines the 2025 eligibility criteria, income limits, benefit amounts, and application process for New Mexico SNAP, based on federal and New Mexico Human Services Department (HSD) guidelines.
Use the SNAP Eligibility Screening Tool on the New Mexico HSD YES NM portal to estimate your benefits, assuming you meet New Mexico’s eligibility criteria.
Eligibility for New Mexico SNAP Benefits
To qualify for SNAP in New Mexico, applicants must meet the following requirements:
- Income: Household income must fall within federal poverty guidelines or meet categorical eligibility through programs like Temporary Assistance for Needy Families (TANF) or Supplemental Security Income (SSI).
- Household Size: Determined by individuals who live together and purchase and prepare meals together.
- Citizenship: Must be a U.S. citizen or a qualified legal resident (e.g., lawful permanent residents with 5+ years in the U.S., refugees, asylees, or children under 18).
- Residency: Must reside in New Mexico.
- Work Requirements: Certain adults (able-bodied adults without dependents, or ABAWDs) must meet work obligations unless exempt.
- Assets: Most households are not subject to asset limits due to New Mexico’s broad-based categorical eligibility (BBCE). Households with elderly or disabled members exceeding specific income thresholds may face asset limits.
Households receiving TANF, SSI, or other means-tested benefits are often categorically eligible, meaning they automatically qualify for SNAP without meeting standard income or asset tests, provided their net income is low enough. Contact the New Mexico HSD at (800) 283-4465 for detailed guidance.
New Mexico SNAP Income Guidelines (2025)
Eligibility is based on gross income (pre-tax) and net income (after allowable deductions). The 2025 income limits, aligned with federal poverty guidelines (effective October 1, 2024 – September 30, 2025), are as follows:
Gross Income Limit (165% of Federal Poverty Level)
New Mexico uses a higher gross income limit (165% FPL) for most households due to BBCE, making it easier to qualify:
| Household Size | Max Monthly Gross Income |
|---|---|
| 1 | $2,375 |
| 2 | $3,210 |
| 3 | $4,045 |
| 4 | $4,880 |
| 5 | $5,715 |
| 6 | $6,550 |
| 7 | $7,385 |
| 8 | $8,220 |
| Each Add’l | +$835 |
Gross Income Limit for Elderly/Disabled (165% of Federal Poverty Level)
Households where all members are 60+ or disabled qualify under these limits (same as above due to New Mexico’s BBCE policy):
| Household Size | Max Monthly Gross Income |
|---|---|
| 1 | $2,375 |
| 2 | $3,210 |
| 3 | $4,045 |
| 4 | $4,880 |
| 5 | $5,715 |
| 6 | $6,550 |
| 7 | $7,385 |
| 8 | $8,220 |
| Each Add’l | +$835 |
Net Income Limit (100% of Federal Poverty Level)
Households exceeding gross income limits may qualify after deductions:
| Household Size | Max Monthly Net Income |
|---|---|
| 1 | $1,439 |
| 2 | $1,946 |
| 3 | $2,453 |
| 4 | $2,960 |
| 5 | $3,467 |
| 6 | $3,974 |
| 7 | $4,481 |
| 8 | $4,988 |
| Each Add’l | +$507 |
Note: Households receiving TANF or SSI are categorically eligible and may not need to meet these income limits, but their net income must be low enough to receive benefits.
Income Sources
Countable income includes:
- Earned: Wages, self-employment earnings (before taxes, with allowable business expenses deducted).
- Unearned: Social Security, unemployment benefits, child support, pensions.
Exempt income may include certain educational grants or loans used for tuition and fees.
Asset Rules for New Mexico SNAP
Due to New Mexico’s adoption of broad-based categorical eligibility (BBCE), most households are not subject to asset limits. For households with elderly (60+) or disabled members exceeding the 165% FPL gross income limit, the asset cap is $4,500. Countable assets include:
- Liquid resources (e.g., cash, bank accounts)
- Secondary properties (excluding primary residence)
- Stocks, bonds, money market funds
Non-Countable Assets:
- Primary home
- Household goods (e.g., furniture, appliances)
- Retirement accounts (e.g., IRAs, 401k plans)
- Vehicles (New Mexico excludes all vehicles used for household transportation)
Households that are categorically eligible (e.g., receiving TANF or SSI) are exempt from asset limits.
Defining a SNAP Household
A SNAP household includes individuals who live together and purchase and prepare meals together, such as:
- Spouses
- Children under 22 living with parents
- Individuals living together but purchasing and preparing food separately may qualify as separate households.
Disabled or elderly individuals (60+) unable to prepare meals due to a permanent disability may form a separate household if their combined income with others is below 165% of the FPL (e.g., $2,375/month for one person).
Work Rules for Able-Bodied Adults Without Dependents (ABAWDs)
Able-bodied adults without dependents (ABAWDs), aged 18–52, must:
- Work at least 20 hours per week, or
- Participate in an approved employment or training program (e.g., New Mexico’s SNAP Employment and Training Program).
Non-compliance limits benefits to 3 months within a 3-year period. Exemptions include:
- Under 18 or over 52
- Pregnant
- Caring for a dependent child
- Physically or mentally unable to work
- Receiving disability-related benefits (e.g., SSI, Social Security disability)
All non-exempt adults aged 16–59 must register for work at application and every 12 months thereafter.
Deductions to Improve Eligibility
Deductions reduce countable income, increasing eligibility chances:
- Standard Deduction: $204 (1-3 people), $291 (6+)
- Earned Income: 20% deduction
- Dependent Care: Costs for child or dependent care needed for work or school
- Medical Expenses: Over $35/month for elderly or disabled (unreimbursed costs only; standard deduction of $136 available without full verification)
- Shelter Costs: Rent/mortgage and utilities, up to $712 (no cap for households with elderly/disabled members)
- Standard Utility Allowance: Varies (e.g., $374 for heating/cooling, updated annually)
- Homeless Deduction: Up to $190.30
- Court-Ordered Child Support: Payments made to non-household members
New Mexico SNAP Benefit Amounts (2025)
Maximum monthly allotments by household size (October 1, 2024 – September 30, 2025):
| Household Size | Monthly SNAP Benefit |
|---|---|
| 1 | $292 |
| 2 | $536 |
| 3 | $768 |
| 4 | $975 |
| 5 | $1,158 |
| 6 | $1,390 |
| 7 | $1,536 |
| 8 | $1,755 |
| Each Add’l | +$220 |
Benefits are calculated by multiplying net monthly income by 0.3 and subtracting the result from the maximum allotment for the household size. Households with no net income receive the maximum benefit. A 2.5% cost-of-living adjustment (COLA) has been applied for 2025 to account for rising food prices.
Applying for SNAP in New Mexico
Apply through the following methods:
- Online: YES NM portal
- In-Person: Visit a local HSD Income Support Division (ISD) office
- Mail: Download, complete, and mail the application (Form ISD-100) from the HSD website to a local ISD office
- Fax: Fax the completed application to a local ISD office (check local office for fax number)
- Phone: Call (800) 283-4465 for assistance
An interview (phone or in-person) is required to finalize the application. Households with urgent needs (e.g., less than $150 monthly gross income and under $100 in liquid resources, or combined income and resources less than monthly housing costs) may qualify for expedited benefits within 7 days. Keep your confirmation number and copies of submitted documents.
Post-Approval Process
- Receive a New Mexico EBT Card by mail, which must be activated before use.
- Use it to purchase eligible food at grocery stores, farmers’ markets, or online (e.g., Amazon, Walmart). SNAP cannot cover delivery fees.
- Benefits are loaded monthly on a staggered schedule based on the last two digits of the primary applicant’s Social Security number (e.g., 00-19 on the 1st, 20-39 on the 2nd, etc.).
- Check balances via receipts, the YES NM portal, by calling 1-800-283-4465, or through resources like How to Check SNAP Balance.
- Protect your EBT card from scams by changing your PIN regularly and reporting issues immediately to 1-800-283-4465. Note: Replacement of stolen SNAP benefits due to electronic theft (e.g., card skimming) is not available for thefts occurring after December 20, 2024.
EBT Card Perks
- Online Shopping: Accepted at Amazon, Walmart, and other approved retailers.
- Farmers’ Markets: Purchase fresh produce at participating markets, with programs like New Mexico’s Double Up Food Bucks offering dollar-for-dollar matches (up to $20/visit) for fruits and vegetables.
- Discount Programs: Discounts on services like Amazon Prime or museum admissions (check Museums for All).
Items Not Covered by SNAP
SNAP benefits cannot be used for:
- Alcohol or tobacco
- Hot prepared foods
- Non-food items (e.g., pet food, cleaning supplies)
- Vitamins or medications
Key Information
- Income and benefit limits are updated annually (October 1).
- Most New Mexico households are categorically eligible, easing income and asset restrictions.
- Use the New Mexico HSD SNAP Eligibility Screening Tool to estimate eligibility.
- Apply even if unsure—you may qualify.
- Report stolen benefits (for thefts before December 20, 2024) within 30 days of discovery and seek emergency food assistance via New Mexico 2-1-1 or Roadrunner Food Bank.
Resources
- New Mexico Human Services Department (HSD)
- USDA SNAP Eligibility
- Roadrunner Food Bank: (505) 247-2052
- New Mexico 2-1-1 for emergency food assistance
Frequently Asked Questions
How do I apply for SNAP in New Mexico?
Apply online at the YES NM portal, in person at an HSD Income Support Division office, by mail, fax, or call (800) 283-4465 for help.
What are the 2025 SNAP income limits for New Mexico?
For a single-person household, the gross monthly income limit is $2,375 (165% FPL). Limits vary by household size. Categorically eligible households may have higher limits.
How long does SNAP approval take in New Mexico?
Approval takes up to 30 days, but expedited benefits may be issued within 7 days for emergencies.
Can I use my New Mexico SNAP EBT card online?
Yes, it’s accepted at retailers like Amazon and Walmart for eligible grocery purchases.
Are there work requirements for New Mexico SNAP?
Adults aged 18–52 without dependents must work 20 hours per week or participate in training, unless exempt (e.g., disabled, pregnant, or caring for a child).
This guide is based on 2025 federal and New Mexico HSD guidelines. Verify details with your local HSD office for accuracy.