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The Daily Insight

Can I own a house if my wife is SSI?

Author

Ava Robinson

Published Apr 03, 2026

SSI disability beneficiaries can own the home and land they live on, but other property will be counted as an asset. And to receive SSI, you can’t have over $2,000 in assets (or $3,000 if you’re married). Of course, it’s unlikely that someone receiving SSI alone would be able to afford a house.

Can you buy a house if you are on SSDI?

Yes, people on Social Security Disability Insurance (SSDI) or Supplemental Security Insurance (SSI) who qualify for a home purchase can use their benefits to finance this move. Keep in mind that additional properties that aren’t your place of residence are considered assets that could affect your SSI eligibility.

How much can a spouse make on SSDI?

No Limits on Unearned Income While a disabled (nonblind) person applying for or receiving SSDI cannot earn more than $1,310 per month by working, a person collecting SSDI can have any amount of income from investments, interest, or a spouse’s income, and any amount of assets.

Answer. Social Security does not prohibit an individual from using their disability benefits to buy a house. SSI disability beneficiaries can own the home and land they live on, but other property will be counted as an asset. And to receive SSI, you can’t have over $2,000 in assets (or $3,000 if you’re married).

Does SSI cover housing?

No, the Social Security Administration does not offer housing or rent assistance, whether you receive Social Security disability (SSD) or SSI disability benefits. HUD also has a “certain developments” voucher program and a “designated housing” voucher program, both of which are for people with disabilities.

Can I get SSI if my spouse gets SSDI?

Both spouses can get approved for SSI as long as they are disabled and the household income meets Social Security requirements. This would include your spouse’s SSDI or SSI payments. If both spouses are on SSI each will get a reduced amount because there is an SSI limit for spouses living together.

Can I buy a house on SSI disability?

Can two people in the same household collect Social Security disability?

Can more than one family member receive Social Security Disability benefits? When multiple people in the same household are disabled, each person that qualifies can receive benefits.

Do you get housing assistance with Social Security disability?

The Social Security Administration doesn’t offer housing placement assistance of any kind, whether you receive social security disability insurance (SSDI) or supplemental security income (SSI).

How are married couples treated in the SSI program?

Benefit Rate Option 3: Impose a limit on payments to all SSI recipients who live in multirecipient households. Benefit Rate Option 4: Eliminate the concept of treating as a married couple unmarried persons who represent themselves to the community as husband and wife (the concept of “holding out”).

Can a spouse get Social Security disability if they are disabled?

En español | Yes. If you are collecting Social Security Disability Insurance (SSDI), your spouse can draw a benefit on that basis if you have been married for at least one continuous year and he or she is either age 62 or older or any age and caring for a child of yours who is younger than 16 or disabled.

Is the amount of SSI based on marital status?

The amount of a recipient’s SSI benefit is based on many factors, including one’s marital status. Of the three major income assistance programs, only the SSI program distinguishes marital status. TANF and the Food Stamp program base benefits on household size, not marital status.