Average Social Security for 75-Year-Olds Hits $2,144.88 a Month, With Women Getting $422 Less
Updated
Updated · FinanceBuzz · Aug 8
Average Social Security for 75-Year-Olds Hits $2,144.88 a Month, With Women Getting $422 Less
1 articles · Updated · FinanceBuzz · Aug 8
Summary
$2,144.88 was the average monthly Social Security benefit for 75-year-old retired workers in December 2025, covering about 2.49 million beneficiaries.
Men at 75 received an average $2,358.96, while women got $1,937.42, reflecting lifetime earnings gaps, caregiving-related work breaks and lower-paying jobs.
Benefits vary mainly with a worker's 35 highest-earning years and claiming age; filing before full retirement age cuts checks, while delaying to 70 adds roughly 8% a year.
The December 2025 figure predates the 2.8% 2026 cost-of-living increase, implying today's average check for this group is closer to $2,205.
Even so, that level remains far below the 2026 maximum new-retiree benefit of $5,181 a month, which fewer than 1% of beneficiaries receive.