Updated September 6, 2026. Quick answer: Maryland’s own newest Medicaid Manual appendix packet, titled for 2026, states a home equity limit of $752,000 for a single nursing-home applicant, the same figure the plain federal minimum reaches for 2026, but the specific schedule stating it is still labeled ‘Effective Date 2025’ inside that same packet. 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.
Why this page flags Maryland’s own effective-date label
Maryland’s own codified regulation, COMAR 10.09.24.10-2, sets a $543,000 base for calendar year 2014, escalating by the same Deficit Reduction Act CPI-U mechanism most states use. This session located Maryland’s own current Medicaid Manual appendix packet, whose file name states it is effective 1/1/2026, but Schedule MA-10 inside that same packet still labels its $752,000 figure ‘Effective Date 2025,’ not 2026.
Get the house question looked at before it is urgent
Whether a home counts, and what happens to it afterwards, turns on facts about the household as well as on the state rule this page sets out, and an adviser can look at the property alongside the rest of the money before any of it has to be decided under time pressure.
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The genuine wrinkle this page discloses
This session is disclosing exactly what Maryland’s own document says, not smoothing it over: the state’s newest published appendix packet has not yet relabeled this one schedule for the new year, even though the packet as a whole is titled for 2026. The $752,000 figure itself matches the plain federal minimum for 2026, so the number is very likely correct for 2026 use, but Maryland’s own document, as fetched this session, still carries last year’s date next to it.
| Citation | Maryland Department of Health, Medicaid Manual, Appendix Schedules (packet titled ‘Eff 1/1/2026 updates’), Schedule MA-10, ‘Excess Home Equity Limit For Exclusion of Long-Term Care Coverage’ |
| What it says | “Schedule MA-10 Excess Home Equity Limit For Exclusion of Long-Term Care Coverage Excess Home Equity Limit Effective Date $752,000 2025” |
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 Maryland’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.
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.