Millions of New Yorkers could be in for a welcome surprise this fall, with checks of up to $400 landing in mailboxes. But are you eligible? When will it arrive? And why is the state sending money now? We’ve broken down everything you need to know, in plain English.
Big Relief Coming: $400 Checks Rolling Out in Fall 2025
New York State is making headlines with its plan to send out inflation refund checks of up to $400 to more than 8 million households starting October 2025. As part of Governor Kathy Hochul’s broader effort to ease the burden of rising living costs, this initiative is aimed squarely at middle-income families who’ve been squeezed by inflation and tax pressures.
If you paid attention to your tax return in 2023 and meet the income guidelines, there’s a good chance money is coming your way—no need to apply, no strings attached.
Who’s Eligible for the $400 Inflation Rebate?
The rebate is structured around 2023 income levels, so eligibility is determined based on what you reported in your most recent New York State income tax return. Here’s a breakdown of who qualifies and how much you could get:
For Single Filers:
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Earned up to $75,000 → $200 check
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Earned between $75,001 and $150,000 → $150 check
For Married Couples Filing Jointly:
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Earned up to $150,000 → $400 check
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Earned between $150,001 and $300,000 → $300 check
To receive the payment:
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You must have been a full-year New York resident in 2023
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You must have filed your 2023 state tax return by April 15, 2025
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You cannot be claimed as a dependent on someone else’s return
If you meet those criteria, you’re set to receive a check—automatically.
How Will You Get the Money?
Here’s what you can expect:
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Physical checks will start being mailed out in October 2025 and continue through November.
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The check will be sent to the address listed on your 2023 New York tax return.
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Direct deposit is not available for these payments—only paper checks.
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There’s no need to apply, fill out forms, or opt in. If you’re eligible, your check will arrive without any action on your part.
Just make sure your mailing address is up to date with the New York State Department of Taxation and Finance if you’ve moved since filing.
Why Is New York Sending Out Checks Now?
The rebate is part of a larger $254 billion state budget signed by Governor Hochul, which includes not just direct relief checks, but also initiatives like universal free school meals, child tax credit expansions, and rental support. The idea is to provide immediate relief to working families struggling with high prices—from gas to groceries to housing.
While this isn’t a federal stimulus, it functions similarly for eligible households in New York, helping offset everyday costs.
Watch Out for Scams
With any stimulus-like program, scammers often swoop in. Be cautious:
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The state will not call, email, or text you to confirm your information.
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You don’t need to click on any links or give out personal details to get your check.
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Only trust official communications from tax.ny.gov or ny.gov.
If anyone promises to “speed up” your payment in exchange for money or information—it’s a scam.
Bottom Line
If you’re a New York resident and filed your 2023 taxes, you could be one of over 8 million people set to receive an inflation refund check this fall. With up to $400 heading your way—automatically—this is one of the most accessible state relief programs in years. Just make sure your address is current and keep an eye on your mailbox starting in October.
