
Can You Get Medicaid If You Own a Home?
Understanding Medicaid Eligibility with Home Ownership
Yes, you can get Medicaid if you own a home. However, the specifics of your situation, including the value of your home and your overall financial status, play a crucial role in determining your eligibility. Medicaid is designed to assist low-income individuals and families, and owning a home does not automatically disqualify you from receiving benefits.
In 2025, Medicaid eligibility rules vary by state, but generally, your primary residence is exempt from being counted as an asset when applying for Medicaid. This means that as long as you meet the income and other asset limits set by your state, you can still qualify for Medicaid even if you own a home.
How Home Ownership Affects Medicaid Eligibility
When applying for Medicaid, the government assesses both your income and your assets. While your home is typically considered a non-countable asset, there are certain conditions to keep in mind:
- Your home must be your primary residence.
- The equity value of your home may be considered in some states.
- There are limits on the value of other assets you can own.
primary residence exemption
Most states allow individuals to own a home without it affecting their Medicaid eligibility. This is particularly true for your primary residence, which is generally exempt from asset calculations. However, if your home has significant equity, it could potentially impact your eligibility in some states.
Equity Limits
In some states, there are limits on the amount of equity you can have in your home while still qualifying for Medicaid. For example, if your home is valued at $500,000 and you owe $300,000 on your mortgage, your equity is $200,000. If your state has a $100,000 equity limit, you may need to take steps to reduce your equity or consider other options.
Steps to Apply for Medicaid While Owning a Home
Step 1: Check Your State's Guidelines
Each state has its own Medicaid rules, so start by checking the guidelines specific to your state regarding home ownership and asset limits.
Step 2: Gather Financial Information
Prepare documentation of your income, assets, and the value of your home. This will help streamline the application process.
Step 3: Apply for Medicaid
Submit your application through your state’s Medicaid office, providing all necessary documentation about your financial situation.
Step 4: Follow Up
After submitting your application, follow up with the Medicaid office to ensure your application is being processed and to address any additional requests for information.
Quick Facts About Medicaid and Home Ownership
Quick Facts
- Home ownership does not automatically disqualify you from Medicaid.
- Your primary residence is typically exempt from asset calculations.
- Check your state's specific Medicaid rules regarding home equity limits.
- Gather all necessary financial documentation before applying.

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