Your July Social Security Check Is Higher. Did You Notice the COLA Increase?

Millions of Americans receiving Social Security will notice slightly higher checks in July 2025, thanks to the 2025 Cost-of-Living Adjustment (COLA) that has been in place since January.

While there is no additional mid-year boost, the 2.5 percent COLA increase continues to help retirees and disabled Americans keep up with everyday expenses.

Why Did Social Security Benefits Increase in 2025?

Each fall, the Social Security Administration (SSA) calculates an annual adjustment based on inflation, ensuring benefits don’t lose value as prices rise.

For 2025, the increase was set at 2.5%, lower than the sharp jumps seen in recent years but still essential for helping millions keep up with costs like housing, food, and healthcare.

How Much More Are You Getting?

The COLA for 2025 translates to:

• An average $49 monthly increase for individual retirees, raising the average check from $1,927 to $1,976.

• For married couples receiving benefits, an average increase of $75 per month, from $3,014 to $3,089.

Over a year, this means:

• $588 extra for individuals

• About $900 more for couples

These amounts may seem modest, but they are vital for seniors and disabled Americans managing rising costs on a fixed income.

Don't miss: New SNAP Payment Amounts with 2.4% COLA: Expect Changes this October 2025

When Will You See Your July Payment?

July’s deposit will follow the regular SSA schedule, with payments staggered based on your birth date:

• Birthdays on the 1st–10th: Paid early in the month

• Birthdays on the 11th–20th: Mid-month

• Birthdays on the 21st–31st: Later in the month

No changes or special adjustments have been announced for July 2025.

Read: When Will You Get Your Social Security Check in July 2025? Here's the Full Payment Schedule

Why COLA Increases Still Matter

While the 2.5% increase may not match the high COLAs of the last few years, it remains crucial.

Even as inflation cools, everyday costs continue to challenge fixed-income households, making each extra dollar count for maintaining stability and dignity in retirement.

Looking Ahead to 2026 COLA

Preliminary estimates suggest that the 2026 COLA could be around 2.2%, continuing the trend of moderate increases. 

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