Updated September 5, 2026. Quick answer: Maine’s Medicaid home equity limit for a single nursing-home applicant is $750,000, and unlike most states in this dataset that figure is not tied to an annual inflation adjustment this session could find in Maine’s own current rule text. 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 Maine’s own rule says
An individual shall not be eligible for long term care assistance if the individual’s equity interest in their primary residence exceeds $750,000. This rule is also effective for re-determinations of eligibility made for those applicants whose initial application was on or after 1/1/06.
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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Why this figure does not move like its neighbors’
Unlike every federal-minimum state above, Maine’s current, recently-revised manual text contains no CPI or annual-adjustment clause at all for this figure. It reads as a flat $750,000 tied only to the original 2006 application date, with no built-in escalator this page could find, in contrast to Louisiana’s and Maryland’s manuals, which write their own annual-increase formula directly into the rule.
| Citation | Maine Department of Health and Human Services, Office for Family Independence, MaineCare Eligibility Manual, 10-144 C.M.R. Chapter 332, Section 4.38(B)(2) |
| What it says | “An individual shall not be eligible for long term care assistance if the individual’s equity interest in their primary residence exceeds $750,000. This rule is also effective for re-determinations of eligibility made for those applicants whose initial application was on or after 1/1/06.” |
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 Maine’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.