Updated September 6, 2026. Quick answer: Florida’s Medicaid home equity limit for a single nursing-home applicant is $752,000 as of 2026. Florida’s own document 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 Florida’s own appendix says, and how this session read it
Florida’s ESS Policy Manual, Section 1640.0307.04, states the home-equity rule in prose but defers the actual dollar figure to ‘Appendix A-9’ as a separate document. The label-then-value layout of Appendix A-9’s own PDF places ‘Home Equity Interest Limit’ as the fifth of six labels in one column and $752,000 as the fifth of six matching values in the next column, footnoted ‘these standards change effective January 1 of each year in accordance with federal law.’
Optional next step
Want help with Medicaid planning?
Ask an adviser how this rule fits your family’s plan for long-term care costs.
- No fee to request a match
- No obligation to hire
Expect questions about your situation, your name, email and phone, and phone verification by text. A match is not guaranteed.
The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
Opens here. Nothing loads and nothing reaches Kapitalwise until you press the button.
How our partner relationships workThe genuine wrinkle this page discloses
Florida was dropped from the T01 kit specifically because the two copies of Appendix A-9 that session could fetch directly from myflfamilies.com had a broken font encoding that no PDF reader tried this session could decode. This session located a third copy of the same December 2025 upload through the Wayback Machine (archived January 11, 2026) that decodes cleanly; the same underlying January 2026 standards, reached by a different route, not a different or corrected figure.
| Citation | Florida Department of Children and Families, Economic Self-Sufficiency (ESS) Program Policy Manual, Appendix A-9, ‘SSI-Related Medicaid Coverage Groups Financial Eligibility Standards,’ January 2026 |
| What it says | “Home Equity Interest Limit * Transfer of Asset Divisor (04/01/2025) $ 2,644 $ 4,067 $ 794 $ 162,660 $ 752,000 $ 10,645” |
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 Florida’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 Florida ESS Policy Manual section 1640.0307.04, Appendix A-9 (January 2026 standards, read through an archived copy), the CMS Informational Bulletin on the 2026 SSI and Spousal Impoverishment Standards (April 27, 2026), and 42 U.S.C. 1396p(f); the July 2026 revision of Appendix A-9 now on the DCF site could not be decoded and was not re-checked 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.