Average Social Security Check at Age 64
Updated June 2026 · Source: Social Security Administration
SSA publishes these figures twice a year, in June and December. The December 2026 snapshot will appear here automatically once SSA releases it.
- average monthly check
- $1,498.03
- beneficiaries age 64
- 1,109,240
- average for men
- $1,647.32
- average for women
- $1,359.11
Social Security retirement beneficiaries who are 64 years old receive an average of $1,498.03 per month, as of June 2026, paid to 1,109,240 people at this age. Claiming before full retirement age (67 for anyone born in 1960 or later) means a permanently reduced monthly benefit.
SSA has not published 2027 figures yet. Based on how the average at this age has changed over the last 5 years, our estimate for 2027 is around $1,545.08 a month. It is a projection, not an official number, and it is flagged in the table below.
Average check at age 64 by year
| Year | Average check | Change |
|---|---|---|
| 2027estimated | ~$1,545.08 | +$47.05 |
| 2026 | $1,498.03 | +$20.03 |
| 2025 | $1,478.00 | +$52.58 |
| 2024 | $1,425.42 | −$34.31 |
| 2023 | $1,459.73 | +$48.23 |
| 2022 | $1,411.50 | +$123.56 |
| 2021 | $1,287.94 | +$64.19 |
| 2020 | $1,223.75 | −$10.32 |
| 2019 | $1,234.07 | +$34.26 |
| 2018 | $1,199.81 | +$66.70 |
| 2017 | $1,133.11 | +$10.38 |
| 2016 | $1,122.73 | +$8.15 |
| 2015 | $1,114.58 | +$10.25 |
| 2014 | $1,104.33 | −$1.67 |
| 2013 | $1,106.00 | - |
Annual increases largely track Social Security's cost-of-living adjustment (COLA). The 2027 row marked “estimated” is our projection, not SSA data: it applies this age group's average change over the last 5 years to the June 2026 figure. SSA's actual 2027 numbers will replace it once published.
Men vs. women at age 64
At age 64, men receive about $1,647.32 per month and women about $1,359.11, a difference of $288.21 (17%), mostly reflecting differences in lifetime earnings and claiming age.
Frequently asked questions
- What is the average Social Security check at age 64?
- As of June 2026, the average monthly Social Security retirement benefit for beneficiaries age 64 is $1,498.03, based on 1,109,240 beneficiaries (SSA data).
- Do men or women get more at age 64?
- At age 64, men receive about $1,647.32 per month on average and women about $1,359.11, a gap of $288.21 (17%), largely reflecting lifetime earnings differences.
- Is age 64 a good time to claim Social Security?
- Claiming before full retirement age (67 for anyone born in 1960 or later) means a permanently reduced monthly benefit.