NYS Income and Resource Limits for Medicaid (2025)
In order to access Medicaid benefits, there is an income and resource test. There are rules relating to both what is counted for each, and how they affect eligibility.
The following are the figures for 2025 in New York State:
For Medicaid Community (Home Care and Assisted Living) Benefits:
- Resource Allowance (individual): $32,396
- Resource Allowance (married couple on Medicaid): $43,781
- Income Allowance (individual): $1,799.75 per month
- Income Allowance (married couple on Medicaid): $2,433 per month
For Medicaid Institutional (Nursing Home) Benefits:
- Resource Allowance (individual): $32,396
- Income Allowance (individual): $50
- Community Spouse Resource Allowance: $157,920
- Community Spouse Minimum Monthly Maintenance Needs Allowance (Income): $3,948
Medicaid Home Equity Limit: $1,097,000
Estate and Gift Taxes:
Estate tax is a tax on property that is transferred to a beneficiary by a deceased person. Gift tax is a tax on property that is transferred to a beneficiary during the gift giver’s lifetime.
The following are the figures for New York State as of 2025:
- Federal Gift and Estate Tax Exemption: $13,990,000 ($27,980,000 for a couple)
- New York State Estate Tax Exemption: $7,160,000
- Annual Gift Tax Exclusion: $19,000 (per year/per beneficiary)
The above figures generally means that an individual could gift or leave their property to their beneficiaries and pay no estate or gift tax if they are below these figures.
To find out what all of these figures mean for your individual situation, and how you can set the optimal plan for your specific needs, call our office to schedule a consultation. See how we can help you!
Trusted by Families, Respected by Peers Client Experiences That Speak for Themselves
At Esther Schwartz Zelmanovitz, PLLC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.
-
"I highly recommend Esther for Elder Estate planning"
Hi. I highly recommend Esther for Elder Estate planning.
- Louise A. -
"e absolutely recommend their team to anyone"
We were completely satisfied with the service we received from Esther Schwartz Zelmanovitz, PLLC.
- Diane G. -
"Esther truly exceeded my expectations"
I had the pleasure of working with Esther Schwartz Zelmanovitz for our power of attorney needs, and I can't recommend her enough!
- Carlos A. -
"Prompt, Efficient, and Clear Legal Support"
Quick responses, clear instructions, and efficient meetings—Esther exceeded all expectations in providing excellent legal service. Couldn't ask for more!
- Kathi
Our Values, Your Peace of Mind The Principles That Define Our Firm
-
Compassionate, Relationship-Driven Service
We believe every client deserves to be treated with dignity, patience, and genuine care. Our firm fosters long-term relationships, guiding families with warmth and empathy through emotionally sensitive matters like elder care, estate planning, and loss.
-
Clear, Respectful Communication
We prioritize honest, prompt, and respectful communication. Whether answering questions or guiding you through complex decisions, we're responsive, dependable, and committed to making the process as smooth and stress-free as possible.
-
Serving with Integrity and Excellence
We hold ourselves to the highest standards of ethical practice and professional excellence. Clients can count on us not just for our legal knowledge, skill and experience, but for honesty, transparency, and unwavering advocacy on their behalf.
-
Tailored Legal Guidance for Every Client
No two clients are the same. We take the time to truly understand each client’s concerns, goals, and values, crafting customized legal solutions that reflect what matters most to them.