October 2025 Stimulus Payment: Who Qualifies for the $1,702, When You’ll Get It & What to Do If It’s Missing

If you’re wondering whether you’ll receive a $1,702 stimulus payment in October 2025, you’re not alone. With rising costs of rent, groceries, and utilities, this one-time direct payment is meant to ease financial pressure for millions of Americans. In this guide, you’ll find everything you need to know—eligibility, timelines, and what to do if your payment doesn’t arrive.

Who Is Eligible?

Income Limits & Filing Status

To receive the full $1,702 payment:

Single filers: Adjusted gross income (AGI) under $75,000
Married filing jointly: AGI under $150,000
Partial payments may phase out above these thresholds.

Other Qualifying Groups

The following beneficiaries generally qualify automatically, as long as their records are current:

Social Security, Supplemental Security Income (SSI), or Veterans’ pension recipients
Persons receiving disability benefits
Households with children under 17 (may be eligible for additional amounts per child)

Caveats & Conditions

You must have filed a 2024 tax return (unless your income is very low and you are exempt).
The IRS and Social Security Administration cross-check records — no separate application is required for most.
If your bank account or address has changed, update those details with the IRS or Social Security ASAP.

When Will the Payment Be Sent?

Deposit & Mailing Timeline

Direct deposits begin around October 15, 2025
Paper checks and prepaid debit cards follow, generally later in the month
If your records are outdated or incomplete, your payment may be delayed

Monitoring the Status

Use the IRS “Get My Payment” tool or Social Security portal
Keep your bank and mailing address current
Allow up to 90 days to resolve missing payment requests

What to Do If You Don’t Receive It

Verify eligibility
Confirm your 2024 income, filing status, and benefit records.
Check IRS and SSA tools
Use “Get My Payment” or Social Security’s portal for status updates.
Update your information
If your address or bank changed, report that to IRS/SSA immediately.
Submit a claim
If you still don’t get the payment, file a “Recovery Rebate Credit” or similar claim on your 2025 tax return, or use the IRS portal if available.

Quick Facts Table

Item	Details
Payment amount	$1,702
First deposits begin	Oct 15, 2025
Income phase-out thresholds	< $75,000 (single) / < $150,000 (joint)
Filing requirement	2024 tax return (or benefit records up-to-date)
Action if missing	Use IRS/SSA tools or file claim

FAQs

Q1: Is the $1,702 payment taxable?
No — it is not considered taxable income and does not affect your federal tax burden.

Q2: Can I get extra for my children?
Yes — households with children under 17 may qualify for additional amounts per eligible child.

Q3: Do I need to apply to receive it?
No, not in most cases. The agencies will cross-check existing records and issue it automatically if eligible.

Q4: My bank changed — will that stop the payment?
Possibly. Make sure your banking and mailing information is updated with IRS or SSA so the funds go to the correct place.

Q5: How long to wait before pursuing help?
If you haven’t received a payment 90 days after the initial deposits, use the IRS claim process to request the amount.

Conclusion

This October 2025 stimulus payment of $1,702 is designed to serve as a short-term financial cushion for millions of Americans facing economic strain. If you believe you qualify, staying proactive—verifying your income, updating contact information, and monitoring payment status—is key. If the payment doesn’t appear, don’t wait—use IRS tools or claim procedures to make sure you get what’s due.