What is ODSP Asset Limits 2026?
ODSP asset rules are far more flexible than Ontario Works. Many applicants are surprised to learn that the limits are much higher and that major assets such as a home, a vehicle, and RDSP savings can be fully exempt.
Do I Qualify?
- Asset limits apply to both ODSP applicants and recipients
- The single-person liquid-asset limit is much higher than Ontario Works
- Some assets are fully exempt, including a principal residence and RDSPs
- Changes in assets should be reported because they can affect ongoing eligibility
How Much Can I Get?
The basic ODSP asset limit is $40,000 for a single person and $50,000 for a couple, plus additional allowance for dependants. Exempt assets include your home, one primary vehicle, and RDSP holdings.
How to Apply
Asset review happens as part of your ODSP application and can continue while you receive support. Keep records of account balances, property, and exempt disability-related savings.
Visit Official Application PageFrequently Asked Questions
Can I own a home on ODSP?
Yes. A primary residence is generally fully exempt from ODSP asset calculations regardless of value.
Does my RDSP count as an asset?
No. Registered Disability Savings Plans are exempt for ODSP purposes, which is one reason they are so valuable for long-term planning.
What happens if I exceed the asset limit?
You can become ineligible until your assets are reduced or restructured into exempt categories. Reporting changes quickly matters because unreported excess assets can create overpayment issues.
How do ODSP asset limits compare to Ontario Works?
ODSP is much more generous. The single-person asset limit is four times the Ontario Works single-person limit.
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