Medicaid limits by state › New York
Medicaid Long-Term Care Eligibility in New York (2026)
To qualify for Medicaid-paid nursing home or long-term care in New York in 2026, a single applicant must generally have no more than $33,038 in countable assets and income at or below $1,836 / month. Medically needy / spend-down state.
New York 2026 limits at a glance
| Test | 2026 standard in New York |
|---|---|
| Countable asset limit (single) | $33,038 |
| Countable asset limit (couple, both applying) | $44,796 |
| Income limit | $1,836 / month |
| Home equity limit | $1,130,000 |
| Spousal asset allowance (CSRA) | Community spouse may keep between $74,820 and $162,660 of the couple's assets |
| Spousal income allowance (MMNA) | Minimum $2,705/month up to $4,066/month in this state |
| Look-back period | 60 months (asset transfers for less than fair value can cause a penalty period) |
How New York treats income
This is a medically needy (spend-down) state: income above the limit can be spent down on medical and care expenses to qualify.
Good to know in New York
New York's 2026 asset limit is $33,038 single / $44,796 couple, with a minimum spousal asset allowance of $74,820. The income standard is medically needy at $1,836/mo; excess income can be handled through spend-down or an income trust (for nursing home beneficiaries, excess income counts toward the amount owed).
Check your own eligibility
Enter your assets, income and marital status to see whether you pass all three financial tests in New York — and if not, by how much, and which lawful pathways exist:
Open the Medicaid eligibility estimator →What does care cost in New York?
See median nursing home, assisted living and home care prices for New York:
New York senior care costs →Sources: 2026 federal Medicaid standards (CMS) and published state standards compiled by the American Council on Aging. This page is a planning estimate, not a determination — only the New York Medicaid agency can decide eligibility. Rules change; verify before making financial moves, ideally with an elder law attorney.