💰 Income Eligibility Guide • 2025 Updated
ESA Income Limits by State 2025: Do You Qualify?
Complete guide to income eligibility requirements, family size calculations, and strategies to qualify for ESA programs
Quick Answer: Income Threshold for ESA Programs
ESA income limits range from 150%-400% of Federal Poverty Level depending on state. For a family of 4, this means $46,800-$124,800 annual household income. Universal programs in Arizona, Iowa, Florida (special needs), West Virginia, and New Hampshire have NO income limits. Most states waive income threshold requirements for students with IEP/disabilities. Income is based on Adjusted Gross Income (AGI) from your tax return.
State-by-State Income Limits (2025)
| State | Income Limit (% FPL) | Family of 4 Limit | Special Needs Exception |
|---|---|---|---|
| Arizona | Universal (No Limit) | No limit | ✓ Yes |
| Iowa | Universal (No Limit) | No limit | ✓ Yes |
| West Virginia | Universal (No Limit) | No limit | ✓ Yes |
| Florida (Special Needs) | No Limit (IEP) | No limit | ✓ Yes |
| Florida (Income) | 185% FPL | $57,720 | ✓ Yes |
| North Carolina | No Limit (IEP Required) | No limit | ✓ Yes |
| Arkansas | 200% FPL | $62,400 | ✓ Yes |
| Indiana | 150% FPL | $46,800 | ✓ Yes |
| Utah | 400% FPL | $124,800 | ✓ Yes |
| New Hampshire | 350% FPL | $109,200 | ✓ Yes |
| Oklahoma | 300% FPL | $93,600 | ✓ Yes |
| Tennessee | 250% FPL | $78,000 | ✓ Yes |
| Montana | 250% FPL | $78,000 | ✓ Yes |
| Missouri | 200% FPL | $62,400 | ✓ Yes |
2025 Federal Poverty Level (FPL): Family of 2: $19,720 • Family of 3: $24,860 • Family of 4: $31,200 • Family of 5: $36,380 • Add $5,180 for each additional person
Income Limit Calculator by Family Size
185% FPL (Florida Income-Based)
- 2-person family:$36,620
- 3-person family:$46,060
- 4-person family:$57,720
- 5-person family:$67,380
- Family of 6:$77,040
400% FPL (Utah Highest Limit)
- 2-person family:$78,880
- 3-person family:$99,440
- 4-person family:$124,800
- 5-person family:$145,520
- Family of 6:$166,240
Check Your ESA Eligibility Today
Find out if you qualify for ESA programs in your state based on income and family size