Short answer: Cash, bank accounts, investments and other property that can be turned into cash generally count toward the $2,000 limit (for 2026, $3,000 for a couple). The home (within limits), one vehicle used for transportation, household goods and personal effects, and qualifying burial funds and spaces are excluded.
Texas uses SSI-style resource rules for nursing home Medicaid. For 2026 the limit is $2,000 for an individual and $3,000 for a couple.
Usually countable: checking and savings, CDs, stocks, bonds and mutual funds, a second home or land that is not the homestead, and any additional vehicles (the equity in them counts).
Usually excluded:
- The home, subject to the home equity limit and residence rules.
- One automobile of any value, if it is used for transportation for the person or a household member.
- Household goods and personal effects.
- Burial spaces, plus up to $1,500 each of funds set aside for the burial of the person and the spouse, if kept separate and clearly designated.
Details decide these cases (for example, mixing burial funds with other money loses the burial-fund exclusion), so treat this as a screening list and let HHSC make the determination.