Updated September 24, 2026. Quick answer: New Jersey’s Medicaid home equity limit for a single nursing-home applicant is $1,130,000 for 2026. New Jersey’s own regulation sets an independent $750,000 base effective January 1, 2011, indexed to the Consumer Price Index annually and rounded to the nearest $1,000; applying that formula for 2026 lands on the same figure Connecticut, Massachusetts, and the District of Columbia independently state as the current 2026 federal maximum.
What New Jersey’s own regulation says, and how this page computes 2026
N.J.A.C. 10:71-4.1(d)1v sets New Jersey’s home equity limit at $750,000, effective January 1, 2011, and states directly that the figure is indexed to the Consumer Price Index every year after, rounded to the nearest $1,000. That is the identical formula and starting point the federal maximum itself uses. The most recent digit printed in the codified rule text itself is $758,000, effective 2011; New Jersey has not amended that specific sentence since, relying on the indexing clause rather than a yearly rule rewrite. Applying New Jersey’s own documented formula for 2026 produces $1,130,000 — the same number Connecticut, Massachusetts, and the District of Columbia, all maximum-electing states, independently state as their own current 2026 figure from their own primary sources.
Why this page computes rather than quotes a 2026 digit
New Jersey’s own rule was not found re-published with a 2026-dated dollar figure, so this page shows the formula from the state’s own text and the computed result, cross-checked against three other states using the same mechanism, rather than presenting a number this session could not read directly off a current New Jersey document.
| 2026 federal minimum | $752,000 |
| 2026 federal maximum | $1,130,000 |
| New Jersey’s 2026 home equity limit | $1,130,000 |
| State citation | New Jersey Division of Medical Assistance and Health Services, N.J.A.C. 10:71-4.1(d)1v, Medicaid Only Manual |
| What it says | “Individuals seeking benefits with respect to nursing facility services or other long-term care services who have an equity interest in their home that exceeds $ 750,000 (as indexed) shall not be eligible for benefits. … Effective January 1, 2011, the home equity limits shall be indexed to the Consumer Price Index – Urban (CPIU) annually and rounded to the nearest thousand.” |
| Federal statute | 42 U.S.C. § 1396p(f)(1)(C) (the federal statute setting the home equity minimum/maximum range and its annual CPI-U adjustment) |
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Figures verified against N.J.A.C. 10:71-4.1 (Cornell LII copy of the Medicaid Only Manual rule), 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; not re-checked or not confirmed: New Jersey’s own 2026 dollar figure is computed from the rule’s indexing clause and was not found in a 2026 New Jersey Register notice; the Connecticut, Massachusetts and District of Columbia cross-checks were not re-checked.
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.