What is the SSI resource limit?

The SSI resource limit is $2,000 for individuals and $3,000 for couples. Resources above this limit can disqualify you from SSI.

Does my home count toward the SSI resource limit?

No, your primary residence is excluded from SSI's resource limit regardless of its value.

Is my car counted as an SSI resource?

One vehicle is fully excluded from SSI's resource limit regardless of value. Additional vehicles may count toward the limit.

Resource Exclusion Checker | SSI Asset Rules

Always ExcludedThese don't count toward your limit

Primary residence

The home you live in, regardless of value

Household goods & personal effects

Furniture, appliances, clothing, etc.

One vehicle

One automobile, regardless of value, if used for transportation

Burial spaces

Burial plots, crypts, caskets, urns, etc.

Life insurance (face value ≤$1,500)

Life insurance policies with combined face value of $1,500 or less

ABLE account

Up to $100,000 in an ABLE account doesn't count

Irrevocable burial trust

Funds set aside specifically for burial expenses

Conditionally ExcludedExcluded under certain circumstances

Property for sale

Real property listed for sale at fair market value (9-month exclusion)

Disaster assistance

FEMA payments and similar disaster relief

Retroactive SSI/SSDI

Retroactive payments excluded for 9 months after receipt

Tax refunds (EITC, Child Tax Credit)

Excluded for 12 months after receipt

CountedThese count toward your limit

Checking & savings accounts

Cash in bank accounts

Stocks, bonds, mutual funds

Investment accounts (non-retirement)

Additional vehicles

Second car, recreational vehicles, boats

Rental or investment property

Real estate not used as primary residence

Cash on hand

Physical cash not in a bank

Cryptocurrency

Bitcoin, Ethereum, other digital assets

Resource Exclusion Checker

Always ExcludedThese don't count toward your limit

Conditionally ExcludedExcluded under certain circumstances

CountedThese count toward your limit

Related Resources

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