New Hampshire Medicaid Asset Limits

Home and community-spouse protections

The published 2026 New Hampshire home-equity limit for these long-term-care pathways is $752,000. The home may remain excluded when the applicant lives there or has intent to return, but the equity cap and the later estate-recovery question are separate issues (2026 CFI eligibility guide).

For a married couple with one spouse applying for nursing-facility Medicaid, 2026 guidance gives a Community Spouse Resource Allowance range of $32,532 to $162,660. The community spouse may generally retain 50 percent of the couple’s counted resources up to the maximum, with the minimum protection where the calculated share is lower (2026 NH eligibility guide).

New Hampshire’s rules also permit an administrative adjustment of the community-spouse resource allowance in a narrow situation where the maximum income allocation still cannot raise the community spouse to the applicable maintenance allowance. That is a rule-based protection, not an automatic result from a web calculator (He-W 856 resource rules).

Use current documents, not a generic asset list

“Countable” is a legal classification, not a synonym for every item a family owns. The state rules define countable, excluded, real-property, and equity-value concepts, while the facts of title, debt, accessibility, and ownership can change the outcome (He-W 600 definitions and transfer rules; He-W 800 eligibility rules).

For example, the $752,000 home-equity threshold is not the same as the property’s tax assessment, mortgage balance, or a family member’s informal estimate of value. Supporting valuation and lien records are important because the state rules define equity value as value less financial claims (He-W 600 definitions).