Texas Medicaid asset limit for long-term care (2026)
By Bennett Dixon, founder of MedicaidChecklist · Every figure cited to an official source · Last verified
Texas's published 2026 asset limit for a single long-term-care Medicaid applicant is $2,000. The limit applies to countable assets, and what counts is as important as the number.
2026 asset limit (single applicant)
$2,000
Home equity cap
$752,000
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)
$32,532–$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
Countable resources; $3,000 for a couple. Home (within equity limit), one vehicle, and certain other resources are exempt.
Texas rules that change the asset picture
Spousal Protected Resource Amount (SPRA) for the at-home spouse
When one spouse needs care and the other stays in the community, the at-home spouse keeps a Spousal Protected Resource Amount: the greater of half the couple's combined countable resources or $32,532, capped at $162,660 (2026). The at-home spouse may also receive income from the applicant spouse up to a monthly spousal allowance of $4,066.50 (2026) — Texas allows every community spouse the federal maximum maintenance allowance.
official sourceHow 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 Texas's published 2026 rules, cited to the official source and last verified 2026-07-14. Eligibility decisions are made only by Texas Health and Human Services Commission (HHSC) — 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.
Texas guideTexas income limitTexas look-back period
Sources
- Institutional/HCBS 2026 figures: resources $2,000 individual / $3,000 couple; substantial home equity $752,000; transfer-of-assets divisor $262.37/day (eff. Sept. 1, 2025); SPRA minimum $32,532 and maximum $162,660; spousal allowance (MMMNA) $4,066.50; personal needs allowance $75 for nursing facility residents — www.hhs.texas.gov
- STAR+PLUS is the Texas managed care program for adults 65+ / with disabilities; STAR+PLUS HCBS waiver serves people who would otherwise need a nursing home — www.hhs.texas.gov
- 60-month lookback and STAR+PLUS HCBS interest list; 2026 figures cross-check (income $2,982, assets $2,000, CSRA $32,532–$162,660, home equity $752,000) — www.medicaidplanningassistance.org