As inflation continues to chip away at household budgets in 2025, several states are stepping up with their own relief efforts. One-time $400 stimulus checks are being issued by a few state governments to help residents cope with higher living costs. These aren’t the same as the federal stimulus payments from a few years ago—they’re targeted, state-funded efforts meant to provide some breathing room.
If you’re wondering whether you qualify or how and when these payments will arrive, this guide breaks it all down for you.
Background
While the federal government isn’t issuing new stimulus checks in 2025, states with budget surpluses or leftover federal funds have launched their own programs. These $400 inflation relief checks are designed to offset rising prices on essentials like groceries, gas, and utilities.
Unlike past COVID-era payments, these are often more focused—based on income, residency, and tax-filing status.
Confirmed States
As of May 30, here are the states moving forward with $400 payments in 2025:
| State | Payment Amount | Payment Start Date | Details |
|---|---|---|---|
| New York | $400 | Mid-October 2025 | For residents impacted by inflation-driven sales tax increases |
| New Mexico | $400 | August 2025 | For 2023 tax filers who meet income limits |
| Minnesota | $400 ($800 for couples) | July 2025 | Second round of surplus-based checks for middle- and low-income filers |
Other states may join this list later in the year if additional surplus funds or relief bills are passed. Always keep an eye on your local Department of Revenue website for new announcements.
Eligibility
Each state has its own rules, but in general, eligibility looks something like this:
- Income limits: These programs usually target low- to moderate-income households. High earners typically won’t qualify.
- Residency: You must have lived in the state full-time during the tax year that determines eligibility.
- Tax filings: You often need to have filed a state income tax return, even if you owed no tax.
- No extra paperwork: Most states will use your tax data to send payments automatically.
For example, New York is using 2023 sales tax data to identify those hit hardest by inflation. Minnesota’s program pulls directly from state tax return records, and New Mexico bases eligibility on 2023 tax filings.
Timeline
Wondering when to expect your check? Here’s a quick overview of expected payment timelines:
| State | Payment Start Date | Amount |
|---|---|---|
| New York | Mid-October 2025 | $400 |
| New Mexico | August 2025 | $400 |
| Minnesota | July 2025 | $400 individual / $800 joint |
Payments will usually arrive via paper check or direct deposit, depending on how you filed your taxes and what information your state has on file.
Do You Need to Apply?
In most cases, no application is required. These stimulus checks are automatic if you:
- Filed the required tax return for 2023 (or 2024 in some cases)
- Meet the income and residency qualifications
However, if you didn’t file or missed the deadline, you could miss out. Some states may offer a second chance or open relief portals for late claimants—but not all do. If you’re unsure, check your state’s Department of Revenue or Taxation website for specifics.
What to Do Now
Here’s how to stay ahead and make sure you don’t miss your $400:
- Double-check your 2023 tax filing: If you haven’t filed yet and still can, do it quickly.
- Update your address and bank info: Make sure the state has your current contact and payment details.
- Visit your state’s tax website: Each state offers specific updates, payment trackers, and FAQs.
- Beware of scams: No one from your state’s revenue department will ask for your SSN or banking info over text, email, or unsolicited phone calls.
What’s Next?
These $400 payments won’t solve inflation, but they could ease the burden on groceries, gas, or school supplies. And with more states eyeing similar relief based on budget surpluses, additional programs could launch later this year.
If you live in New York, New Mexico, or Minnesota, you’re in a good position to receive help. Make sure your taxes are in order, stay alert for official updates, and be ready to claim what’s yours if needed.
FAQs
Which states are giving $400 checks?
New York, New Mexico, and Minnesota have confirmed $400 payments.
Do I need to apply for the payment?
In most states, payments are automatic based on tax returns.
When will I get my $400 check?
Payments start between July and October, depending on your state.
What if I didn’t file my taxes?
You may be ineligible. Some states might offer late claim options.
Is this a federal stimulus?
No, these are state-level programs funded by surpluses or local laws.
