Updated September 24, 2026. Quick answer: Massachusetts’s Medicaid (MassHealth) home equity limit for a single nursing-home applicant is $1,130,000 for 2026, stated directly on MassHealth’s own published eligibility-figures page alongside the three prior years for comparison. Massachusetts deliberately sets its limit at the top of the federally allowed range every year rather than the lower floor, reflecting the state’s high home values.
What MassHealth’s own page says
MassHealth’s “Program financial guidelines” page lists the maximum home equity limit for long-term-care eligibility year by year: $1,033,000 in 2023, $1,071,000 in 2024, $1,097,000 in 2025, and $1,130,000 for 2026, effective each January 1.
Why Massachusetts elects the higher figure
Massachusetts sets its home-equity limit at the top of the federally allowed range every year rather than the lower minimum, a policy choice that reflects the state’s high home values, especially in and around Boston: without electing the higher figure, more otherwise-eligible homeowners would be disqualified by home equity alone. As with every state in this family, the test does not apply at all if a spouse, or a child under 21 or a blind or disabled child, lives in the home.
| 2026 federal minimum | $752,000 |
| 2026 federal maximum | $1,130,000 |
| Massachusetts’s 2026 home equity limit | $1,130,000 |
| State citation | Massachusetts Executive Office of Health and Human Services (MassHealth), “Program financial guidelines for certain MassHealth applicants and members” |
| What it says | “The figures in this table are used in determining eligibility for a MassHealth member who lives in a long-term-care facility. All figures are effective January 1, unless otherwise noted. Maximum home equity limits: $1,130,000 [2026] $1,097,000 [2025] $1,071,000 [2024] $1,033,000 [2023]” |
| 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 MassHealth’s program financial guidelines page (read from an archived copy dated June 16, 2026), 42 U.S.C. 1396p(f), and the CMS Informational Bulletins of December 9, 2025 and April 27, 2026 on September 30, 2026; the live MassHealth page was not re-read.
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.