Food Stamps Elegibility: Do vehicles count as resources when receiving SNAP benefits?

The SNAP food assistance program, commonly known as food stamps, was created to help low-income households buy basic foodstuffs. To ensure that the aid reaches those who really need it, the United States Department of Agriculture (USDA) sets strict eligibility criteria based on both income and resources.

One of the resources that can influence the determination of eligibility is the applicant's vehicle. Although owning a car does not automatically disqualify a person from theSNAP program, it can have an effect depending on certain factors.

According to USDA regulations, households can have up to $2,750 in countable resources. If any member of the household is 60 years of age or older or has a disability, that limit increases to $4,250. Countable resources include cash and bank s, but do not include primary homes, land, most pension or retirement plans, and benefits such as Supplemental Security Income (SSI).

Is the vehicle counted as a resource for SNAP?

Yes, but with important exceptions. Vehicles can be considered part of ing resources if their fair market value exceeds $4,650. However, each state has autonomy to decide how to assess the impact of vehicles on eligibility for SNAP.

A vehicle may not be counted as a resource if it meets any of the following criteria:

• It is used to generate income (such as taxis, trucks or delivery vehicles).
• Generates annual revenue commensurate with its market value.
• It is necessary for long-distance business trips.
• It serves as a home for the person or family.
• It is used to transport a physically disabled member of the household.
• It is used to transport fuel or water from the home.
• If your sale would not generate more than $1,500.

When a vehicle is not excluded, its fair market value above $4,650 or its equity value is assessed, and the greater of the two is counted as part of the applicant's resources.

What if you have a car loan? Having car payments does not automatically disqualify you. However, if the vehicle is not excluded according to state criteria, its value could count as a resource. In these cases, the state SNAP agency will determine whether or not the applicant qualifies.

It is important to note that some states completely exclude vehicles as a resource, regardless of their value or use. Therefore, it is essential to check directly with your state's SNAP agency. The USDA provides a state directory that will allow you to the policy in your place of residence.

In summary, owning a vehicle does not necessarily mean losing eligibility for SNAP, but it is a factor that must be carefully evaluated, especially if its value exceeds certain thresholds or does not meet exclusion criteria.