---
title: "Kentucky Medicaid Asset Limits | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/kentucky/medicaid-asset-limits/
description: "Kentucky’s 2026 resource, income-cap, home-equity, QIT, and community-spouse rules for long-term-care Medicaid."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Kentucky · Financial Eligibility

# Kentucky Medicaid Asset Limits

Last updated 2026-10-20

**Quick answer:** Kentucky's Medicaid resource limit is $2,000 for one person and $4,000 for two. In 2026, the at-home spouse can keep $32,532 to $162,660, and income above $2,982 a month requires a Qualifying Income Trust.

Kentucky's Cabinet for Health and Family Services (CHFS) publishes the resource rules in its Volume IVA manual, which sets a $2,000 allowance for a single aged, blind, or disabled applicant and $4,000 for two. Those numbers form the baseline for nursing-facility and waiver eligibility work, but the actual outcome for a given family still depends on how an asset is titled, a spouse's status, any applicable exclusions, and whether the asset is genuinely available to the applicant.

Married applicants get a different calculation when one spouse stays in the community. Rather than simply doubling the individual limit, Kentucky's 2026 Community Spouse Resource Allowance runs from a minimum of $32,532 up to a maximum of $162,660, generally figured as half of the couple's combined countable resources within that range.

On top of the resource test, Kentucky enforces a hard income cap rather than a medically-needy spend-down option. Income above the $2,982 special standard requires a properly funded Qualifying Income Trust, and the state also applies a $752,000 home-equity threshold, with exceptions carved out under the policy's protected-resident provisions.

## Kentucky figures

- Individual resource limit: $2,000
- Two-person (aged/blind/disabled) resource limit: $4,000
- 2026 Community Spouse Resource Allowance: $32,532 to $162,660
- 2026 home-equity threshold: $752,000

## Sources and official resources

- [Kentucky Medicaid: Nursing Facility Services](https://www.chfs.ky.gov/agencies/dms/provider/Pages/nursingfacilities.aspx)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Kentucky guide](https://fundingltcmarketplace.com/states/kentucky/)