---
title: "Pennsylvania Medicaid Asset Limits | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/pennsylvania/medicaid-asset-limits/
description: "Pennsylvania's 2026 Medical Assistance income paths, resource rules, home-equity limit, and protections for a spouse at home."
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.
---
Pennsylvania · Financial Eligibility

# Pennsylvania Medicaid Asset Limits

Last updated 2026-10-20

**Quick answer:** Pennsylvania's long-term care Medicaid resource limit depends on income. If income is $2,982 a month or less, one person can have up to $8,000 in countable resources ($2,000 plus a $6,000 disregard); above $2,982, the limit is $2,400.

Pennsylvania actually offers applicants two different ways to qualify financially. DHS publishes a 2026 individual income limit of $2,982 per month for the 300%-of-SSI-federal-benefit-rate institutional pathway.

Pennsylvania's resource limit for long-term care depends on income. According to the Department of Human Services, if your gross monthly income is at or below 300% of the federal benefit rate ($2,982 in 2026), the resource limit for one person is $2,000, with an additional $6,000 resource disregard, so you can have up to $8,000 in countable resources. If your income is above $2,982, the limit is $2,400. The DHS Long-Term Care Handbook (§ 440.1) explains how the $6,000 disregard is applied.

But that's not the only door in. Pennsylvania also runs a medically needy, or spend-down, pathway — DHS explains that income above the limit can be offset by incurred medical or cost-of-care expenses accumulated over a six-month period.

Put together, this two-path structure means it's inaccurate to describe Pennsylvania as a strict income-cap state across the board — unlike, say, Florida's harder income-cap framework.

## Pennsylvania figures

- Individual income limit (300% FBR pathway): $2,982/month
- Medically needy spend-down accounting period: 6 months
- Resource limit, income at or below $2,982/month: $2,000 + $6,000 disregard (up to $8,000)
- Resource limit, income above $2,982/month: $2,400

## Sources and official resources

- [Pennsylvania DHS: Medicaid and Payment of Long-Term Services](https://www.pa.gov/agencies/dhs/resources/aging-physical-disabilities/medicaid-payment-long-term-care)
- [Pennsylvania DHS Long-Term Care Handbook: § 440.1 General Policy (resources and $6,000 disregard)](http://services.dpw.state.pa.us/oimpolicymanuals/ltc/440_Resources/440.1_General_Policy.htm)
- [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.

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