Early Look at 2026 Cost-Of-Living Adjustments and Maximum Contribution Base

Calculated Risk

2025/09/12

The BLS reported yesterday: The Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) increased 2.8 percent over the last 12 months to an index level of 317.306 (1982-84=100). For ...

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For ...</p>\n\n<a href=\"https://www.calculatedriskblog.com/2025/09/early-look-at-2026-cost-of-living.html\">网页链接</a>\n\n</div>\n","source":"calculatedriskblog_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Early Look at 2026 Cost-Of-Living Adjustments and Maximum Contribution Base</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nEarly Look at 2026 Cost-Of-Living Adjustments and Maximum Contribution Base\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-09-12 08:14 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.calculatedriskblog.com/2025/09/early-look-at-2026-cost-of-living.html><strong>Calculated Risk</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The BLS reported yesterday:\nThe Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) increased 2.8 percent over the last 12\nmonths to an index level of 317.306 (1982-84=100). For ...</p>\n\n<a href=\"https://www.calculatedriskblog.com/2025/09/early-look-at-2026-cost-of-living.html\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4084","symbol_name":"特种房地产投资信托","start_time":0,"source_url":"https://www.calculatedriskblog.com/2025/09/early-look-at-2026-cost-of-living.html","article_id":"2566491979","we_media_id":null,"thumbnails":[],"rights":{"source":"calculatedriskblog_highlight","url":"https://www.calculatedriskblog.com/2025/09/early-look-at-2026-cost-of-living.html","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2566491979","pubTimestamp":1757636040,"columns":[],"sourceInfo":{"source_id":"calculatedriskblog_highlight","name":"Calculated Risk"},"weMediaInfo":null,"summary":"The Consumer Price Index for Urban Wage Earners and Clerical Workers  increased 2.8 percent over the last 12. months to an index level of 317.306 . For the month, the index increased 0.3 percent prior to seasonal. CPI-W is the index that is used to calculate the Cost-Of-Living Adjustments . The calculation dates have changed over time , but the current calculation uses the average CPI-W for the three months in Q3  and compares to the average for the highest previous average of Q3 months. Note: this is not the headline CPI-U and is not seasonally adjusted .In 2024, the Q3 average of CPI-W was 308.729.This graph shows CPI-W since January 2000. The red lines are the Q3 average of CPI-W for each year.CPI-Wwas up 2.8% year-over-year in August , and although this is early - we need the data for July, August and September - my guess is COLA will probably be around 2.8% this year, up from 2.5% in 2025.Remember - this is an early look.  What matters is average CPI-W, NSA, for all three months i","collect":0,"end_time":0,"defaultTopTitle":"calculatedriskblog.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4084":"特种房地产投资信托","BK4217":"自存仓储房地产信托","NSA":"National Storage Affiliates Trust","COLA":"COLUMBUS ACQUISITION CORP"},"translate_title":"2026年生活费用调整和最高缴费基数初探","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NSA":1,"COLA":1},"content_text":"The BLS reported yesterday:\nThe Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) increased 2.8 percent over the last 12\nmonths to an index level of 317.306 (1982-84=100). For the month, the index increased 0.3 percent prior to seasonal\nadjustment.  \nCPI-W is the index that is used to calculate the Cost-Of-Living Adjustments (COLA). The calculation dates have changed over time (see Cost-of-Living Adjustments), but the current calculation uses the average CPI-W for the three months in Q3 (July, August, September) and compares to the average for the highest previous average of Q3 months. Note: this is not the headline CPI-U and is not seasonally adjusted (NSA).\n\n• In 2024, the Q3 average of CPI-W was 308.729.\n\nThe 2024 Q3 average was the highest Q3 average, so we only have to compare Q3 this year to last year.\n\n Click on graph for larger image.\n\nThis graph shows CPI-W since January 2000. The red lines are the Q3 average of CPI-W for each year.\n\nNote: The year labeled is for the calculation, and the adjustment is effective for December of that year (received by beneficiaries in January of the following year).\n\nCPI-W was up 2.8% year-over-year in August (up from 2.5% YoY in July), and although this is early - we need the data for July, August and September - my guess is COLA will probably be around 2.8% this year, up from 2.5% in 2025.\n\nContribution and Benefit Base\n\nThe contribution base will be adjusted using the National Average Wage Index. This is based on a one-year lag. The National Average Wage Index is not available for 2024 yet, although we know wages increased solidly in 2024. If wages increased 5% in 2024, then the contribution base next year will increase to around $185,000 in 2026, from the current $176,100.\n\nRemember - this is an early look.  What matters is average CPI-W, NSA, for all three months in Q3 (July, August and September).","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}