The maximum amount of SSI you can receive is $967/month in 2025. If you don’t pay for housing, the amount you’re eligible for is reduced by 1/3rd, and the maximum amount you can receive is $645.
If you live with family or friends and don’t pay for housing, you can set up a rental agreement and pay at least $322 in rent to avoid the 1/3rd reduction in benefits.
You can use this template, or make your own. This template was created by attorneys at Cornell University.
Sample Roomer-Lodger Agreement.pdf
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Tip: You have to pay at least $322 in rent to avoid the 1/3rd reduction. You can pay more; you can’t pay less. Your rent is taxable income for the homeowner.
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To Do: Complete the Roomer-Lodger Agreement. During your interview, let Social Security know that you have a rental agreement, and let them know the amount of rent.
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