Income Requirements to Sponsor an Immigrant for a U.S. Green Card

One of the U.S. government's concerns with regard to family-based immigration is whether the new immigrants will have enough financial backup to live in the United States without monetary or related help from the government. It does this mostly by placing requirements upon the U.S. family petitioner or sponsor. As described in this article, the U.S. sponsor will need to:

• prove that their income or assets reaches a specific level, and
• promise to support the immigrant or reimburse government agencies for any need-based assistance the immigrant receives.

Here, we'll take a closer look at these income requirements

U.S. Sponsors Must Contract to Support Family Immigrants on Form I-864

A major part of the required paperwork when a U.S. sponsor petitions for an immigrant is USCIS Form I-864, or the "Affidavit of Support Under Section 213A of the Act."

This form is actually a contract. It contains the U.S. sponsor's promise to financially support an immigrant who cannot support themself or their family, or to pay the government back if the immigrant actually receives need-based public assistance (often called welfare). The form creates a legal obligation between a family member petitioning for and sponsoring an immigrant and the U.S. government. And the immigrant can sue the petitioner for support, as well.

Although all sponsors must prepare and sign Form I-864, this won't necessarily be enough by itself. For one thing, in deciding whether an immigrant is likely to become a public charge, the U.S. government looks to the totality of the person's circumstances, assessing education and job skills, health insurance coverage, and more.

Also, the sponsoring relative in the United States must be able to show a specific level of financial capacity: namely having income or assets that reach at least 125% of the U.S. federal Poverty Guidelines levels for a family of the appropriate size. This includes everyone living in the sponsor's household as as well as the primary immigrant and any spouse or children immigrating at the same time.

The percentage drops to 100% sponsors who are on active duty in the U.S. armed forces and petitioning for a spouse or child.

Income Requirements to Be a Financial Sponsor

Each year, the U.S. government updates its Poverty Guidelines. The chart provides the details on dollar amount requirements, based on the number of people in the sponsor’s household and the number of family members immigrating. You don't have to calculate the 125% amount yourself, but can look on the chart published by U.S. Citizenship and Immigration Services (USCIS) on Form I-864P.

Also, notice that the amounts are different for residents of Alaska and Hawaii.

For example, in 2026, a sponsor in the U.S. mainland who lives alone would need to have income (or assets) of at least $41,250 to cover sponsor one immigrant and two children (that is, to cover a household that will include four people).

Supplementing the Sponsor's Income With Assets

The required amount needed for sponsorship of an immigrant can be shown through income alone, or through a combination of income and assets. The assets, however, must be readily convertible to cash within one year, without great hardship or financial loss to their owner. In other words, if the asset is the petitioner's sole retirement account and cashing it out will involve huge financial penalties, it might not be counted. But a house can be counted as an asset.

Also important to realize is that assets will not be counted at their full value. Most petitioners will have to divide their value by five. U.S. citizens sponsoring a spouse or minor children can divide the value of their assets by three.

Dealing With a U.S. Sponsor's Low Income

What if you are the primary petitioner for an immigrant and your income doesn't meet the required levels to sponsor them? You still are legally required to file Form I-864. But you will have to look for ways to augment the amount of support available to the immigrant.

The main ways to do this include:

• relying on the assets of the immigrant, or on their income if the immigrant is already living in the U.S. and employed in a job that will continue after getting the green card
• getting an income-earning member of the petitioner's household to agree to include their income in the mix by signing Form I-864A, or
• by getting a joint sponsor, who has enough income to support their own household plus the immigrants, who fills out and signs and additional Form I-864.

For more on this issue as it relates to the immigrant's application, as well as some exceptions, see this page on financial support an family-based immigrant will need.

Eligibility Requirements to Be a Financial Sponsor

The sponsoring relative (and any joint sponsors or household members) must:

• be at least 18 years of age
• hold U.S. citizen or permanent resident (green card) status, and
• live (be "domiciled") in the United States.

This U.S. domicile requirement can create issues if the sponsor already lives overseas. For example, what if the sponsor is a U.S. citizen who was living abroad, then met someone they wanted to marry? Getting a green card for that person would require filling out Form I-864; but the sponsor isn't eligible to serve in this role if not living in the United States.

One way to deal with this is for the sponsor to show the immigration authorities that they are living abroad only temporarily, and never intended to give up U.S. domicile. This will be easier if the sponsor is abroad because of work for the U.S. government, with a U.S. church (in a missionary or other role) or with a U.S. company that is developing foreign trade with the country where the sponsor lives.

Documenting Financial Ability

Filling out the Affidavit of Support form isn't enough by itself. The U.S. petitioner will also need to include proper documentation to back up your claimed income and assets. The petitioner might, for example, need to provide income tax returns or transcripts, a letter from their employer and/or pay stubs, appraisals of assets, and so on.

Getting Legal Help

The financial requirements are one of the biggest hurdles for many families trying to obtain a green card. Although hiring an attorney might be something you're trying to avoid if on a limited income, it can be a cost-effective way to make sure your case goes smoothly, without the need to redo it or reapply.