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Household Reserve

Monthly data

Household Reserve Cost Index

What a three-month food plan costs for a 2-, 4-, or 6-person household, using the USDA Thrifty Food Plan. June 2021 is the base month at 100.

Latest data: September 2026. Source: USDA Food and Nutrition Administration. This is a national planning estimate, not a store price. Checked 2026-11-05.

Quick answer

In September 2026, the four-person reference family basket cost $3,071.90 for 13 weeks, index 122.5. Two people cost $1,890.46 (index 122.9); six people cost $4,297.80 (index 122.4). The index is June 2021 = 100.

The index is a monthly cost series, not a live price feed. It shows whether the same USDA food plan is getting more or less expensive; it does not tell you what your local store charges today.

Latest 3-month cost

The household compositions are fixed so the index compares like with like. The four-person household is the USDA reference family; the six-person household adds two older children.

Three-month Thrifty Food Plan cost and index for the latest month. Index base: June 2021 = 100.
HouseholdComposition3-month costIndex
2 people2 adults, 20–50; 10% economy-of-scale adjustment$1,890.46122.9
4 peopleUSDA reference family: man/woman 20–50, children 6–8 and 9–11$3,071.90122.5
6 people2 adults 20–50; children 6–8, 9–11, female 12–13, female 14–18; 5% adjustment$4,297.80122.4
Household Reserve Cost IndexThree-month Thrifty Food Plan cost index for the four-person reference family, base June 2021 equals 100. The latest point is September 2026 at 122.5.95100105110115120125130202120222023202420252026September 2026 · 122.5
The four-person reference family index. The gap at October 2025 is a missing row in the USDA source, not an interpolation.

How the index is built

  1. Start with the USDA Thrifty Food Plan.

    The Thrifty plan is the lowest-cost of the four USDA food plans and the basis for SNAP benefit levels. USDA publishes weekly costs by age and sex, then adjusts them monthly with the CPI-U.

  2. Sum the people in the household.

    Add the weekly cost for each person in the fixed composition. Apply the USDA economy-of-scale adjustment: +10% for two people, none for four, −5% for six. The adjustment reflects shared shopping and cooking, not a different diet.

  3. Multiply by 13 weeks.

    A three-month reserve is 13 weeks, the same convention as the 3-month guide. The result is the dollar cost of the basket, not a promise about a specific shopping trip.

  4. Divide by the base month.

    The index is the current 3-month cost divided by the June 2021 cost, times 100. A value of 122 means the same basket costs about 22% more than in the base month.

3-month cost = sum(weekly age-sex costs) × household adjustment × 13index = (current 3-month cost ÷ base 3-month cost) × 100

Base month: 2021-06. Costs are rounded by USDA.

What the index is not

  • Not a store price. It is a national average from USDA food plan costs; local stores, sales, tax, delivery, and package sizes change the total.
  • Not a shelf-stable reserve. The Thrifty plan is a full at-home diet with perishable food. The calculator’s $3 per adult-equivalent person-day is a dry-staple planning rate; the two numbers answer different questions.
  • Not a nutrition prescription. The Thrifty plan is a USDA food plan, not medical or dietary advice for your household.
  • Not daily. USDA publishes monthly. A daily number would be a different, less reliable product.

The 3-month guide shows the dry-staple shopping plan; this page shows the full USDA basket cost behind it.

Last 13 months

The table is generated from the same data as the chart. Download the full series as CSV; the 2025-10 row is blank because the source file does not contain it.

Monthly 3-month costs and the four-person index. A dash means the source has no row for that month.
Month2 people4 people6 people4-person index
September 2025$1,851.85$3,006.90$4,203.94119.9
October 2025————
November 2025$1,827.54$2,965.30$4,149.60118.2
December 2025$1,834.69$2,977.00$4,163.19118.7
January 2026$1,848.99$3,001.70$4,199.00119.7
February 2026$1,854.71$3,009.50$4,210.12120
March 2026$1,853.28$3,008.20$4,208.88120
April 2026$1,871.87$3,040.70$4,254.58121.3
May 2026$1,879.02$3,053.70$4,274.34121.8
June 2026$1,887.60$3,069.30$4,295.33122.4
July 2026$1,891.89$3,075.80$4,303.98122.7
August 2026$1,889.03$3,070.60$4,296.56122.4
September 2026$1,890.46$3,071.90$4,297.80122.5

Download the full series: CSV or JSONL. Base: June 2021 = 100, history from June 2021.

Cite this index

If you use the series in an article, a report, or an answer, cite the page and the USDA source so readers can check both the method and the monthly value.

Household Reserve. “Household Reserve Cost Index.” Accessed 2026-11-05. https://householdreserve.com/cost-index.

The CSV and JSONL downloads carry the same monthly values. The page explains the household compositions, the economy-of-scale adjustments, the base month, and the months that are missing from the USDA source.

Cost index questions

What is the Household Reserve Cost Index?

It is a monthly index of what a three-month food plan costs for a two-, four-, or six-person household, using the USDA Thrifty Food Plan. June 2021, the first month in the series, is the base month at 100. A higher number means the same basket costs more.

Why is the latest month September 2026?

USDA updates the food plan costs monthly, and the public historical file has a reporting lag. September 2026 is the latest month in the file used for this release; the index is not a live or daily price feed.

Is this a store price or a local price?

No. It is a national planning estimate from USDA food plan costs. It does not include your local store, sales, tax, delivery, or the exact package sizes you buy. Use it as context, not a quote.

Why is the USDA cost higher than the $3 per person-day calculator?

They are different baskets. The USDA Thrifty Food Plan is a full at-home diet, including perishable food; the calculator's $3 per adult-equivalent person-day is a dry-staple planning baseline. The index also uses a different household composition, so compare the methods, not the headline numbers.

How often is the index updated?

Once a month, when USDA publishes a new cost file. The page and the CSV are dated; there is no daily pull because the official source is monthly. The next update will use the next published month.

Sources and update policy

The index is derived from USDA public data; the household compositions and the base month are ours. The page updates when the monthly cron writes a new month to R2. This release uses September 2026 data, checked 2026-11-05.

External sources used to build the index. Open a source to read the current version.
SourceWhat it establishesHow this page uses itChecked
USDA Food Plans: Monthly Cost of Food ReportsMonthly Thrifty, Low-Cost, Moderate-Cost, and Liberal Food Plan costs by age-sex group, updated with CPI-U.The latest monthly cost table and the method note.
USDA Thrifty Food Plan historical costs (current release)A machine-readable monthly series of weekly and monthly Thrifty Food Plan costs by age-sex group.The index history, household sums, and the CSV.
USDA Food PlansThe market-basket and cost-level method behind the four food plans, including the 2021 Thrifty update.The method summary and the CPI-U adjustment context.

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