---
title: "Texas Medicaid Asset Limits | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/texas/medicaid-asset-limits/
description: "Texas's 2026 $2,000 individual resource limit, $3,000 couple limit, income cap, Qualified Income Trust rule, 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.
---
Texas · Financial Eligibility

# Texas Medicaid Asset Limits

Last updated 2026-10-20

Texas keeps its resource limits tight. HHSC's 2026 guidance for nursing-facility and HCBS-waiver Medicaid sets the countable-resource ceiling at $2,000 for a single applicant and $3,000 when both spouses in a couple are applying. These figures cover countable resources specifically — plenty of household property is excluded from the count entirely (HHSC Appendix XII).

Among the exclusions HHSC lists: a Texas homestead, as long as the applicant intends to return to it; one vehicle, regardless of its value; and qualifying burial funds or life insurance up to $1,500 in face value, along with several other carve-outs. Whether a specific home qualifies for exclusion can hinge on facts like whether it's the applicant's principal residence and whether there's a genuine intent to return (HHSC Appendix XII).

## Texas figures

- Individual resource limit: $2,000
- Couple resource limit (both applying): $3,000
- Life insurance/burial fund exclusion: $1,500 face value

## Sources and official resources

- [Texas HHSC MEPD Handbook: Appendix XII, Nursing Facility and HCBS Waiver Information](https://fhb.hhs.texas.gov/handbooks/medicaid-elderly-people-disabilities-handbook/appendix-xii-nursing-facility-home-community-based-services-waiver-information)
- [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 Texas guide](https://fundingltcmarketplace.com/states/texas/)