---
title: "Mississippi Transfer-on-Death Deed | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/mississippi/transfer-on-death-deed/
description: "Mississippi authorizes TOD deeds for real property, but the deed should not be treated as a proven Medicaid transfer or recovery shield."
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.
---
Mississippi · Asset Protection Tool

# Mississippi Transfer-on-Death Deed

Last updated 2026-10-20

Mississippi enacted its own version of a real-property transfer-on-death tool through the Mississippi Real Property Transfer-on-Death Act. Under Mississippi Code §91-27-9, effective July 1, 2020, an individual can transfer their interest in real property to one or more named beneficiaries, with that transfer taking effect only at the transferor's death (Mississippi Code §91-27-9).

It's worth being precise about what this deed does and doesn't do while the owner is alive. The statute is explicit that during the transferor's lifetime, the deed has no effect on the owner's rights — including the right to transfer or encumber the property, homestead rights, applicable ad valorem tax exemptions, or creditor rights — and it creates no legal or equitable interest in the named beneficiary until death actually occurs (Mississippi Code §91-27-23).

This is a genuine estate-planning tool for avoiding probate on real property, but it's not the same thing as a completed lifetime gift, and neither of the located Mississippi Medicaid sources confirms that using one exempts a family from a transfer penalty or an estate-recovery claim after death.

## Sources and official resources

- [Mississippi Division of Medicaid](https://medicaid.ms.gov/)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)
- [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 Mississippi guide](https://fundingltcmarketplace.com/states/mississippi/)