Social Security in North Dakota: 2027 COLA, Average Benefit, SSI & Taxes
North Dakota by the numbers
| Measure | North Dakota |
|---|---|
| Average retired-worker benefit (Dec 2024) | $1,928/mo |
| Estimated 2027 average after the 3.6% COLA | about $1,997/mo |
| Rank by average benefit (50 states + DC) | #36 of 51 |
| Retired workers receiving benefits | 117,304 |
| All Social Security beneficiaries in North Dakota | 150,098 |
| Total benefits paid in North Dakota, 2024 (all programs) | $3.2 billion |
Source: SSA Annual Statistical Supplement 2025, Tables 5.J1, 5.J2 and 5.J4 (December 2024). The average is total retired-worker benefits divided by the number of retired workers; the 2027 figure applies the 3.6% COLA to that average and is an estimate — individual benefits vary widely around it. National comparison and every other state: Social Security by state.
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SSI in North Dakota
North Dakota pays no SSI supplement. Your SSI in North Dakota is the federal payment only — up to $1,029 a month for an individual in 2027 ($1,544 for a couple). There is no state application, because there is no state program. The full 50-state comparison is on the SSI state supplements page.
The federal part is the same everywhere: a 2027 maximum of $1,029 (individual) / $1,544 (couple), first increased payment December 31, 2026. Federal amounts by living arrangement are on the SSI calculator and dates on the SSI payment schedule.
Does North Dakota tax Social Security benefits?
No. North Dakota does not tax Social Security benefits — they are fully exempt from the state income tax. (Federal taxation can still apply — up to 85% of benefits, based on combined income.)
Frequently asked questions
What is the average Social Security benefit in North Dakota?
$1,928 a month for a retired worker, from the SSA's December 2024 data — ranked #36 of the 50 states and DC. With the 3.6% COLA the 2027 average is about $1,997. An average reflects a lifetime of earnings and claiming ages in the state; your own amount depends on your record.
Does North Dakota tax Social Security benefits?
No. North Dakota fully exempts Social Security benefits from its state income tax.
Does North Dakota add a supplement to SSI?
No. North Dakota is one of six states with no SSI supplement, so the federal maximum — $1,029 a month for an individual in 2027 — is the full payment.
When does the 2027 COLA arrive in North Dakota?
On the same federal schedule as everywhere else — the COLA does not vary by state. SSI's first increased payment arrives December 31, 2026, and Social Security's January 2027 payments arrive on the usual birth-date Wednesdays (January 13, 20 and 27), with exact amounts in your December COLA notice.
Sources: SSA Annual Statistical Supplement 2025 (§5.J state tables); SSA SSI state supplementation tables and A Guide to SSI for Groups and Organizations (Jan 2026); North Dakota revenue-department rules as published for the most recent tax year. Benefit figures are estimates; your SSA notice is the official amount.