In 2025, millions of retirees in the United States depend on Social Security as an essential part of their income. The monthly amount they receive varies considerably depending on the state where they live. Factors such as cost of living, wages during their working life, and additional state benefits make the difference.
This year, payments have received an increase thanks to the 2.5% cost-of-living adjustment (COLA). This increase aims to offset the impact of inflation and keep purchasing power. Although it is a uniform percentage nationwide, the final result in the pocket is not the same for everyone.
States with the highest payments in 2025
The most recent data confirm that Connecticut leads with an average monthly check of $2,196.15. The high wages during its residents' working lives raise retirement benefits.
New Jersey ranks second, with an average of $2,190.05. Its strong economy and favorable policies toward seniors help keep outstanding figures. New Hampshire holds third place with $2,183.82, supported by high incomes and economic stability.
Delaware appears in fourth place with $2,170.63, standing out as a retirement destination thanks to tax benefits and state support. Maryland rounds out the top five with $2,139.54, the result of a highly qualified workforce.
Reasons for the difference between states
Lifetime income is key, since Social Security's calculation is based on the 35 years with the highest wages. Working in states with high salaries translates into more generous checks. Another factor is state supplements to SSI (Supplemental Security Income).
Some local governments provide additional payments for people with low incomes or disabilities. The cost of living also plays a role. In places where housing, food, and medical care are more expensive, it is common to find more protective policies toward retirees.
How to increase Social Security payments
Working more years helps avoid including periods with "zero income" in the calculation, which ensures a higher average. Delaying retirement until age 70 can increase the benefit by 8% for each additional year; this new strategy is very useful for those who can afford to wait. It is also possible to consider changing states; living in places with a lower tax burden for retirees allows each dollar received to go further.