Social and structural determinants of health (SSDoH) have been linked to racial disparities in Alzheimer’s disease and related dementias (ADRD). Research has established that living in an environment with greater economic stability (ES) or healthcare access (HCA) is associated with better baseline cognition, but the interactive effects between these distinct SSDoH on cognition over time have not been studied. Therefore, the present study examined the independent and interactive effects of ES and HCA on 10-year change in cognitive functioning within a large sample of racially diverse community-dwelling older adults.