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Medicaid Planning · North Carolina

North Carolina Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for North Carolina.

Published: September 4, 2026. Last checked: September 2, 2026.

Income limits

MAABD one-person income standard

$1,330 per month

Applies to the applicant under the aged, blind, or disabled pathway for non-MAGI aged, blind, or disabled coverage and long-term-care budgeting. This is a cap. Details: one-person household.

Source: North Carolina DHHS 2026 Non-MAGI Income and Reserve Limits [state-medicaid-agency] — Effective April 1, 2026

Asset limits

MAABD applicant reserve limit

$2,000

Applies to the applicant under the aged, blind, or disabled pathway for non-MAGI aged, blind, or disabled coverage. This is a cap. Details: single applicant.

Source: North Carolina DHHS 2026 Non-MAGI Income and Reserve Limits [state-medicaid-agency] — Effective April 1, 2026

Community spouse resource allowance (CSRA)

Current community-spouse resource allowance

$32,532 minimum to $162,660 maximum

Applies to the community spouse under the spousal impoverishment pathway for institutional long-term care. This is a range. Details: institutionalized applicant with a community spouse.

Source: North Carolina Medicaid Manual MA-2231, Community Spouse Resource Protection [state-medicaid-agency] — 2026 amounts effective January 1, 2026; manual revised December 8, 2025

Monthly maintenance needs allowance (MMMNA)

Basic community-spouse maintenance allowance

$2,705 per month

Applies to the community spouse under the spousal impoverishment pathway for institutional long-term care. This is an allowance. Details: institutionalized applicant with a community spouse; $812 shelter standard and $902 maximum dependent-family allowance are separate calculation inputs.

Source: North Carolina DHHS Change Notice 08-2026 [state-medicaid-agency] — Basic spousal allowance and shelter standard effective July 1, 2026

Home-equity limits

Current home-equity limit

$752,000

Applies to the applicant under the institutional long-term care pathway for institutional services. This is a cap. Details: applicant subject to North Carolina's substantial-home-equity rule.

Source: North Carolina Medicaid Manual MA-2242, Home Equity Value and Eligibility for Institutional Services [state-medicaid-agency] — 2026 amount effective January 1, 2026; manual revised December 8, 2025

Sources

Methodology & sources

Checked at least annually and whenever the state or CMS publishes new long-term-care eligibility figures.

General information, not legal advice.