New York’s $400 Inflation Refund Begins, How Much Will You Receive and When?

Starting October 2025, more than 8 million New York residents will begin receiving inflation refund checks of up to \$400 as part of the state’s new financial relief program. This initiative, spearheaded by Governor Kathy Hochul, is a key component of the 2025–2026 state budget and is designed to help residents manage the ongoing pressures of inflation and rising living costs.

The checks will be automatically mailed to eligible residents—no application required. The payment amount will depend on your income and tax filing status, based on your 2023 state tax return.

Direct Financial Support Without Any Paperwork

Unlike other benefits that require applications or forms, this refund is automatic. If you’re eligible, the New York Department of Taxation and Finance will issue a physical check based on the address in your most recent tax filing.

Important: If you’ve changed your address since filing your 2023 taxes, you must update your details through your Online Services Account to ensure the check reaches you.

A Broader Package to Tackle Inflation

Governor Kathy Hochul has described the \$400 refund initiative as just one part of a multi-pronged effort to protect working- and middle-class families from the financial impact of inflation.

The state’s budget also includes:

• Middle-Class Tax Cuts: New York’s lowest tax rates in 70 years aim to relieve working families.
• Expanded Child Tax Credit: Up to \$1,000 per child will be available to eligible households.
• Universal Free School Meals: All public school students will receive free meals—helping families save an estimated \$1,600 per child annually.

These programs collectively aim to ease day-to-day expenses and boost disposable income for millions of households.

Who Qualifies for the \$400 Refund?

To receive the inflation relief refund, residents must meet the following criteria:

• Filed a 2023 New York State Resident Income Tax Return (Form IT-201)
• Meet income requirements based on filing status (see breakdown below)
• Reside in New York State at the time of mailing
• No additional application or action is required

The refund is income-based to ensure lower- and middle-income households get more substantial support.

Refund Amounts Based on Income and Filing Status

Here’s how much you could receive, depending on your 2023 Adjusted Gross Income (AGI) and filing status:

Filing Status	AGI	Refund Amount
Single	≤ \$75,000	\$200
	\$75,001–\$150,000	\$150
Married Filing Jointly	≤ \$150,000	\$400
	\$150,001–\$300,000	\$300
Married Filing Separately	≤ \$75,000	\$200
	\$75,001–\$150,000	\$150
Head of Household	≤ \$75,000	\$200
	\$75,001–\$150,000	\$150
Qualified Surviving Spouse	≤ \$150,000	\$400
	\$150,001–\$300,000	\$300

This tiered refund system ensures that lower-income families receive more financial assistance, while still offering support to middle-income households.

When Will the Checks Be Sent?

The refund checks will begin mailing in October 2025, and the process will continue through November. Checks will be sent in batches, and distribution is not based on ZIP codes or regions, meaning delivery times will vary.

The Department of Taxation and Finance will not issue a delivery schedule or allow tracking of individual checks. However, the mailing address used will be the one listed on your 2023 state tax return.

Things to Know Before You Receive Your Check

Here are a few additional details that every recipient should be aware of:

No Application Necessary

You do not need to apply. If you’re eligible based on your 2023 tax return, you will automatically receive a check in the mail.

Update Your Mailing Address

If you’ve changed residences, update your mailing address now using your Individual Online Services account at tax.ny.gov.

No Direct Deposit

This refund will not be directly deposited into your bank account, even if your regular tax refunds are. All recipients will receive a paper check.

Refunds Won’t Be Offset by Debts

These checks are exempt from debt collection. Even if you owe taxes or have other state debts, your \$400 refund will not be withheld or reduced.

Governor Hochul’s Commitment to Economic Relief

In her official statement, Governor Hochul emphasized the importance of reducing financial stress for working families:

“This refund, paired with middle-class tax cuts and expanded support for families, will help New Yorkers breathe a little easier. We are using every tool we have to deliver real relief during these inflationary times.”

Why This Refund Matters Now

Inflation continues to affect everyday costs—groceries, housing, transportation, and more. By offering immediate, no-strings-attached cash, the state hopes to give residents the breathing room they need to stay afloat.

The combination of refund checks, tax relief, and support for children and education reflects a broader economic policy shift focused on resilience, equity, and stability.

FAQs About New York’s \$400 Inflation Refund

1. Who qualifies for the \$400 inflation refund check?
Any New York resident who filed a 2023 Form IT-201 and meets the income guidelines outlined above is eligible. The refund amount is determined by your filing status and income bracket.

2. Do I need to apply for the check?
No. The refund is automatic. If you’re eligible, the check will be mailed to the address on your most recent tax return.

3. When will I receive the check?
Checks will be mailed in batches from October through November 2025. Delivery times will vary, and no tracking is available.

4. What if I moved after filing my 2023 tax return?
You should update your address immediately through your Online Services account at tax.ny.gov to ensure your check is sent to your current location.

5. Will this refund be reduced due to unpaid taxes or debts?
No. This refund is not subject to garnishment or collection for any existing state or tax debts.