1. The National Average for 2025

Nationwide, the average SSDI payment this year is estimated to be around $1,580 to $1,590 per month. Some estimates place it slightly higher, at roughly $1,750 per month after cost-of-living adjustments.

To put this into perspective, retirees (not disabled individuals) receive an average of nearly $2,000 per month in 2025.

2. Texas in Focus: How Do We Compare?

SSDI benefits are calculated using the same federal formula across all states, but regional wage differences can cause small variations.

While Texas does not publish its own official statewide average for SSDI, it is reasonable to estimate that most recipients here receive between $1,500 and $1,700 per month, aligning closely with the national range.

3. Maximum and Minimum SSDI Payouts

The maximum SSDI benefit for 2025 is $4,018 per month. The minimum benefit is about $967 per month. Most people fall somewhere in between, depending on their past earnings and work history.

4. How Your Benefit Is Calculated

Your personal SSDI amount is calculated based on your work history and the amount you paid into Social Security through payroll taxes. The Social Security Administration uses your Average Indexed Monthly Earnings (AIME) and applies a fixed formula to determine your Primary Insurance Amount (PIA).



The more you earned and contributed over your career, the closer your monthly benefit will be to the maximum.