Independence Day 2027: Date, Observed Day and What's Open
Independence Day 2027 falls on Sunday, July 4, 2027, so it is observed on Monday, July 5, 2027 for most federal employees. On Monday, July 5, 2027, federal offices, Federal Reserve Banks, NYSE and the bond market (per SIFMA) are closed.
The number of days to Monday, July 5, 2027 appears here once the page loads in your browser.
Maintained by Archie Chang · Dates and sources checked November 1, 2026 · Methodology & sources
All dates for the year: federal holidays 2027. To check any other day, use the federal holiday checker.
Independence Day 2027 date and observed day
The holiday is named “Independence Day” in 5 U.S.C. 6103(a), which sets the date as follows.
Independence Day falls on a Sunday in 2027. For most federal employees, OPM treats the following Monday as the holiday for pay and leave: Monday, July 5, 2027 (Executive Order 11582, section 3(a)). Federal Reserve Banks are closed on Monday, July 5, 2027. OPM's wording is quoted below.
- Date: Sunday, July 4, 2027
- Observed for federal pay and leave (most federal employees): Monday, July 5, 2027
- Official name: Independence Day (5 U.S.C. 6103(a))
Independence Day, July 4.
If a holiday falls on a Saturday, for most Federal employees, the preceding Friday will be treated as a holiday for pay and leave purposes. (See 5 U.S.C. 6103(b).) If a holiday falls on a Sunday, for most Federal employees, the following Monday will be treated as a holiday for pay and leave purposes. (See Section 3(a) of Executive Order 11582, February 11, 1971.)
Source: 5 U.S.C. 6103: Holidays (GovInfo), OPM: 2026 federal holidays
What is open and closed on Independence Day 2027
Each row names its source. Market times are Eastern Time. NYSE and SIFMA dates are from their published 2027 lists; Federal Reserve Bank dates are from the Federal Reserve's holiday schedules; USPS dates are from the USPS 2027 holidays page.
| Who | Status | Details |
|---|---|---|
| Federal offices and agencies | Closed | Independence Day falls on Sunday, July 4, 2027. OPM lists Monday, July 5, 2027 as the holiday for pay and leave, so federal offices are closed on Monday, July 5, 2027 for most federal employees; employees whose work is required that day are covered by the holiday pay rules below.Source: OPM: 2026 federal holidays, 5 U.S.C. 6103: Holidays (GovInfo) |
| Federal Reserve Banks | Closed | Federal Reserve Banks are closed on Monday, July 5, 2027. Both the Federal Reserve Financial Services schedule and the Board's K.8 table list July 4, 2027 with a Sunday footnote: Federal Reserve Banks and Branches will be closed the following Monday. Whether a bank or credit union branch is open is up to each bank: each bank sets its own hours, so check with yours.Source: Federal Reserve Financial Services: Holiday Schedules, Federal Reserve Board: Holidays Observed (K.8) |
| Direct deposit and ACH (FedACH) | Varies | When we checked on November 1, 2026, the Federal Reserve Financial Services FedACH holiday schedule listed 2026 processing times only, with no 2027 processing times for Independence Day. Check that schedule before you plan a deposit or transfer around this date.Source: Federal Reserve Financial Services: Holiday Schedules |
| USPS Post Offices and delivery | Closed | USPS lists Independence Day on Monday, July 5, 2027 on its 2027 holidays page. USPS says: "Regular mail delivery occurs Monday through Saturday, with the exception of postal holidays." For a Sunday holiday USPS adds: "If a holiday falls on a Sunday, for most USPS employees, the following Monday will be treated as a holiday for pay and leave purposes." Confirm local Post Office hours with USPS.Source: USPS: holidays and events, USPS FAQ: No mail delivery? |
| Stock market (NYSE) | Closed | NYSE's 2027 holiday list shows all NYSE markets closed on Monday, July 5, 2027. NYSE lists the observed day, Monday, July 5, 2027, not Sunday, July 4, 2027. This page covers NYSE; check your exchange or broker for its own calendar.Source: NYSE: holidays and trading hours |
| Bond market (SIFMA recommendation) | Closed | SIFMA recommends a full close for the U.S. bond market on Monday, July 5, 2027. SIFMA also recommends an early close at 2:00 p.m. ET on Friday, July 2, 2027, ahead of Independence Day.Source: SIFMA: U.S. holiday schedule |
| Public schools | Varies | The federal holiday law covers federal employees; it does not set school calendars. Closures differ by district and state, so check your district calendar.Source: 5 U.S.C. 6103 (legal public holidays) |
| State and local offices, courts, libraries | Varies | The federal holiday law covers federal employees. States, cities, courts and libraries set their own holiday schedules and observed days, so confirm with the office you need.Source: 5 U.S.C. 6103 (legal public holidays) |
| Private employers | Varies | Federal holidays bind federal employees, not private employers. The Department of Labor says the FLSA does not require payment for holidays, which are generally a matter of agreement between an employer and an employee. On government contracts covered by the Service Contract Act or the Davis-Bacon and Related Acts, holiday pay can be required through the contract wage determinations. Check your employer and state law.Source: U.S. Department of Labor: Holiday Pay |
Closures marked "varies" are set locally. To check another day, use the bank holiday checker, Post Office holiday checker or the stock market holidays list.
Source: OPM: 2026 federal holidays, Federal Reserve Financial Services: Holiday Schedules, Federal Reserve Board: Holidays Observed (K.8), USPS: holidays and events, NYSE: holidays and trading hours, SIFMA: U.S. holiday schedule
Federal employees: holiday pay and the observed day
Federal employees on a Monday-through-Friday schedule are off on the observed day above (Monday, July 5, 2027). An employee who has to work on a holiday is covered by 5 U.S.C. 5546(b), quoted below. Which day counts as the holiday for an employee on another schedule, and how premium pay applies, depends on the agency and pay system, so ask your HR office.
(b) An employee who performs work on a holiday designated by Federal statute, Executive order, or with respect to an employee of the government of the District of Columbia, by order of the District of Columbia Council, is entitled to pay at the rate of his basic pay, plus premium pay at a rate equal to the rate of his basic pay, for that holiday work which is not— (1) in excess of 8 hours; or (2) overtime work as defined by section 5542(a) of this title.
See the 2027 federal pay period calendar for pay periods and pay dates.
Source: 5 U.S.C. 5546: Pay for Sunday and holiday work (GovInfo), OPM: 2026 federal holidays
Military and VA pay dates around Independence Day 2027
Independence Day 2027 does not move an active-duty payday on this site's military pay dates calculator, because Sunday, July 4, 2027 and Monday, July 5, 2027 are not the 1st or 15th.
Active-duty paydays from two weeks before to two weeks after the holiday: Thursday, July 1, 2027 and Thursday, July 15, 2027.
VA pays a month's benefits on the first day of the next month, moved earlier when that day falls on a weekend or legal holiday (38 U.S.C. 5120(e)). In the same window: June 2027 benefits on Thursday, July 1, 2027.
These are computed dates. Check myPay and DFAS for your own deposit date, and VA for your benefit payment.
Full schedules: military pay dates and VA disability pay dates.
About Independence Day
Independence Day is July 4 (5 U.S.C. 6103(a)). The National Archives transcription of the Declaration of Independence, dated "In Congress, July 4, 1776", includes this passage:
We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. …
Source: National Archives: Declaration of Independence transcription
More 2027 holiday guides
Questions
Is Independence Day 2027 a federal holiday?
Yes. Independence Day is a legal public holiday under 5 U.S.C. 6103(a). It falls on Sunday, July 4, 2027, and OPM lists Monday, July 5, 2027 as the day treated as the holiday for pay and leave for most federal employees.
Are banks open on Independence Day 2027?
Federal Reserve Banks are closed on Monday, July 5, 2027. Both the Federal Reserve Financial Services schedule and the Board's K.8 table list July 4, 2027 with a Sunday footnote: Federal Reserve Banks and Branches will be closed the following Monday. Whether a bank or credit union branch is open is up to each bank: each bank sets its own hours, so check with yours.
Is mail delivered on Independence Day 2027?
USPS lists Independence Day on Monday, July 5, 2027 on its 2027 holidays page. USPS says: "Regular mail delivery occurs Monday through Saturday, with the exception of postal holidays." For a Sunday holiday USPS adds: "If a holiday falls on a Sunday, for most USPS employees, the following Monday will be treated as a holiday for pay and leave purposes." Confirm local Post Office hours with USPS.
Is the stock market open on Independence Day 2027?
NYSE's 2027 holiday list shows all NYSE markets closed on Monday, July 5, 2027. NYSE lists the observed day, Monday, July 5, 2027, not Sunday, July 4, 2027. This page covers NYSE; check your exchange or broker for its own calendar. The bond market is different: SIFMA recommends a full close for the U.S. bond market on Monday, July 5, 2027. SIFMA also recommends an early close at 2:00 p.m. ET on Friday, July 2, 2027, ahead of Independence Day.
Do federal employees get extra pay for working on Independence Day 2027?
A covered employee who performs work on a holiday designated by Federal statute or Executive order is entitled to basic pay plus premium pay equal to basic pay, for holiday work that is not in excess of 8 hours and is not overtime work (5 U.S.C. 5546(b)). Your agency and pay system decide how it applies, so ask your HR office.
Does Independence Day 2027 change my military or VA pay date?
Not for the dates this site computes. Active-duty pay is scheduled for the 1st and the 15th, and neither Sunday, July 4, 2027 nor Monday, July 5, 2027 is one of them. VA's first-of-the-month deposit dates are not affected either. Check myPay, DFAS and VA for your own dates.
When is Independence Day 2028?
Independence Day 2028 is Tuesday, July 4, 2028. OPM's 2028 federal holidays table lists Tuesday, July 4, 2028.
Sources: 5 U.S.C. 6103: Holidays (GovInfo) · 5 U.S.C. 5546: Pay for Sunday and holiday work (GovInfo) · OPM: 2026 federal holidays · Federal Reserve Financial Services: Holiday Schedules · Federal Reserve Board: Holidays Observed (K.8) · USPS: holidays and events · USPS FAQ: No mail delivery? · NYSE: holidays and trading hours · SIFMA: U.S. holiday schedule · 38 U.S.C. 5120 (VA payment dates) · National Archives: Declaration of Independence transcription