65-Year-Olds Average $1,607 in Social Security as Women Trail Men by $315
Updated
Updated · The Motley Fool · Jun 7
65-Year-Olds Average $1,607 in Social Security as Women Trail Men by $315
2 articles · Updated · The Motley Fool · Jun 7
Summary
$1,607 was the average monthly Social Security benefit for 65-year-olds as of December 2025, equal to about $19,284 a year.
Women at 65 received $1,457 on average versus $1,772 for men, leaving a $315 monthly gap and a roughly $3,780 annual shortfall.
That disparity reflects how benefits are calculated from a worker's 35 highest-earning years, with women on average posting lower lifetime earnings and more years out of the workforce for caregiving.
Economic Policy Institute data cited in the report said women were paid 18.6% less than men in 2025 after controlling for factors including race, education, age, marital status and state.
For workers still approaching retirement, higher pay, more years on the job and coordinated claiming with a spouse can lift future benefits.