Updated September 6, 2026. Quick answer: New York’s Medicaid home equity limit for a single nursing-home applicant is $1,130,000 as of 2026, the federal MAXIMUM under 42 U.S.C. Section 1396p(f), confirmed directly in New York’s own current published notice. That is $378,000 higher than the $752,000 figure most other states in this family use for the identical federal rule. 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 New York’s own GIS message says
New York State Department of Health issues an annual General Information System (GIS) message restating the year’s Medicaid standards; GIS 26 MA/03 states outright, as item 16 in its own numbered list, the exact home equity limit for 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.
Before you start, what actually happens. 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.
The Kapitalwise form opens here. You stay on this page.
What happens when you press the button
It asks about nine questions (age, investable assets, location), then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button. Submitting the form does not guarantee an adviser or a match. This matching form is not tax or legal advice.
The genuine wrinkle this page discloses
New York is the third state in this family (with Washington from T01) confirmed at the federal MAXIMUM rather than the minimum most other states elect; $378,000 higher than the $752,000 figure the majority of this family’s pages use for the identical federal rule. T01 could not confirm this because health.ny.gov returned HTTP 403 on every path it tried; this session’s direct fetch of the same host succeeded without any special workaround, suggesting the earlier block may have been specific to the path or timing T01 hit, not a standing block on the whole domain.
| Citation | New York State Department of Health, General Information System (GIS) message 26 MA/03, ‘WGIUPD General Information System,’ dated January 23, 2026 |
| What it says | “The home equity limit for Medicaid coverage of nursing facility services and community-based long-term care is $1,130,000.00.” |
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 New York’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.