New York Medicaid asset limit for long-term care (2026)
By Bennett Dixon, founder of MedicaidChecklist · Every figure cited to an official source · Last verified
New York's published 2026 asset limit for a single long-term-care Medicaid applicant is $33,038. The limit applies to countable assets, and what counts is as important as the number.
2026 asset limit (single applicant)
$33,038
Home equity cap
$1,130,000
The home is typically exempt below this equity figure — and exempt regardless while a spouse lives in it.
Protected for a spouse at home (CSRA)
$74,820–$162,660
Married couples: the community-spouse resource allowance protects a share of the couple's assets for the spouse who stays home.
How the limit works here
2026 non-MAGI resource limit: $33,038 for an individual, $44,796 for a couple (both applying), effective January 1, 2026. Applies to nursing home, HCBS/MLTC, and community Medicaid for aged/blind/disabled applicants.
How this compares to other states
Asset limits vary between states far more than income limits do — this is the figure to check for your own state, not a national article.
| State | Asset limit (single applicant) | Year |
|---|---|---|
| California | $130,000 | 2026 |
| Michigan | $9,950 | 2026 |
| New York | $33,038 | 2026 |
| Ohio | $2,000 | 2026 |
| Pennsylvania | $8,000 | 2026 |
| Texas | $2,000 | 2026 |
Full table with context: Medicaid asset limits by state.
The figures on this page are New York's published 2026 rules, cited to the official source and last verified 2026-07-14. Eligibility decisions are made only by New York State Department of Health (Office of Health Insurance Programs); applications handled by Local Departments of Social Services (HRA in New York City) — no checklist, calculator, or company can decide for it. Applying is always free through the state agency.
A note on limits of this page: whether and how any rule applies to a specific family is a question only the state agency — or an elder-law attorney — can answer. MedicaidChecklist publishes the rules and helps you prepare and organize the application; it does not give legal advice, and nothing here is a recommendation to move, transfer, or restructure money or property.
New York guideNew York income limitNew York look-back period
Sources
- 2026 Medically Needy Income Level $1,836/month (individual) and $2,489 (couple); resource limits $33,038 (individual) and $44,796 (couple); institutional personal needs allowance $50 — NYS Income and Resource Standards chart attached to GIS 26 MA/05, effective January 1, 2026 — www.health.ny.gov
- 2026 Maximum Federal Community Spouse Resource Allowance $162,660; Minimum State Community Spouse Resource Allowance $74,820; community spouse MMMNA $4,066.50; home equity limit for nursing facility and community-based long-term care $1,130,000 — GIS 26 MA/03 (1/23/2026) — www.health.ny.gov
- 2026 regional nursing home rates (transfer penalty divisors): NYC $15,282; Long Island $15,193; Northern Metropolitan $15,024; Northeastern $14,783; Central $14,146; Rochester $15,675; Western $13,765 — GIS 25 MA/14, effective January 1, 2026 — www.health.ny.gov
- Supplement A (DOH-5178A): nursing home applicants must document resources for the past 60 months; community-based LTC applicants document current resources — www.health.ny.gov
- 2026 income/resource levels summary table including institutional income allowance $50/month and home equity $1,130,000 (corroboration) — frblaw.com
- 2026 NY Medicaid long-term care eligibility summary: $1,836/month income, $33,038 assets (single); medically needy / excess income pathway (corroboration) — www.medicaidplanningassistance.org