Medicaid Home Equity Limit in Tennessee ($752,000)

Updated September 5, 2026. Quick answer: Tennessee’s Medicaid home equity limit for a single nursing-home applicant is $752,000 as of 2026. Tennessee’s own manual states this figure directly but does not call it a ‘minimum’ or ‘maximum’; this session confirms it matches the lower end of the federal range under 42 U.S.C. Section 1396p(f), roughly $378,000 below the $1,130,000 ceiling some other states elect. Above that figure, you are not eligible for nursing-home Medicaid unless a spouse, minor child, or disabled child of any age lives in the home.

What Tennessee’s own document says

TennCare’s manual explicitly states the federal undue-hardship waiver alongside the dollar figure, in the same section.

Why this is the lower federal figure, not the higher one

Tennessee’s manual states the dollar figure and its effective date, but never uses the words ‘minimum’ or ‘maximum.’ The number, $752,000 effective in 2026, matches the low end of the federal range under 42 U.S.C. Section 1396p(f), not the $1,130,000 ceiling some other states elect. This page classifies that as the federal minimum because $752,000 equals the 2026 federal minimum published by CMS in its April 27, 2026 bulletin, not because the state’s document says so directly.

This page covers whether the home counts as a resource while you are alive and applying. What happens to the same house after death is a separate question: see the Medicaid estate recovery by state table, which gives Tennessee’s row for what the state can reach and the authority for it. And if a spouse, or a minor or disabled child, still lives in the home, the equity limit on this page does not apply at all: see what the law protects for a spouse who stays at home.

Figures verified against the TennCare Aged, Blind and Disabled Manual Policy 110.050 (dated September 1, 2026), the CMS Informational Bulletin on the 2026 SSI and Spousal Impoverishment Standards (April 27, 2026) and 42 U.S.C. 1396p(f) on September 30, 2026.

Every citation on this page was read directly from the state’s own Medicaid agency, administrative code, or official eligibility manual this session. General information, not legal or financial advice; a figure this specific can change with a budget cycle or a federal inflation adjustment, and a county or state caseworker has the final say on any individual application.