H.R. 7584: Multigenerational Family Tax Credit Act of 2026

Introduced Feb 13, 20260 cosponsors

Sponsor

Luz Rivas

Democrat · CA-29

Making room for family care should come with tax help

3 min readLast updated July 29, 2026

Why it matters

Up to $8,000 a year is on the table if you're paying to make your home safer or more accessible for an older parent or disabled relative living with you. H.R. 7584 would create a new tax credit for multigenerational housing costs, though only half would be refundable.

If you're paying to adapt your home for an older parent or disabled relative who lives with you, H.R. 7584 would offer a tax credit worth up to $8,000 a year.

The bill covers expenses tied directly to safety, mobility, or accessibility in your primary home. Think along the lines of modifications that help someone age in place or live more safely inside the house.

Half of the credit would be refundable, so even people who owe little federal income tax could still receive part of it as a payment. But the other half only helps if you have enough tax liability to use it, which limits the value for some lower-income households.

The credit starts phasing out above $200,000 in income for single filers and $400,000 for joint filers. The bill reduces the credit by $50 for each $1,000 over those limits, so higher earners would see it shrink quickly.

The relative would need to be age 65 or older, or disabled, and live in your primary residence for more than half the year. You also couldn't double dip by claiming another federal tax break for the same expense.

Bill Progress

IntroducedFeb 13

Committee

Pass House

Pass Senate

Signed

Law

Latest Action · Feb 13, 2026

Referred to the House Committee on Ways and Means.

H.R. 7584 Bill Summary

What H.R. 7584 actually does.

Home care upgrades qualify for a new credit

H.R. 7584 creates a federal tax credit for expenses that directly improve safety, mobility, or accessibility in your primary residence for a qualifying older or disabled relative.

The credit tops out at $8,000 a year

A taxpayer could claim up to $8,000 annually in qualified multigenerational housing expenses, with inflation adjustments beginning after 2027.

Half the credit could come back as a refund

Fifty percent of the credit would be refundable, meaning part of the benefit could still reach households that owe little income tax.

Income limits trim the benefit for higher earners

The credit phases down above $200,000 for single filers and $400,000 for joint filers, falling by $50 for each $1,000 over the threshold.

Your relative has to actually live with you

To qualify, the older or disabled relative must share your primary home for more than half the year.

You can't claim two tax breaks for the same remodel

The bill bars using the same expense for this credit and another federal deduction or credit.

Who benefits from H.R. 7584?

Families caring for an older parent at home

If your parent is 65 or older and living with you most of the year, upgrades that make the home safer or easier to navigate could qualify for up to an $8,000 credit.

Households living with a disabled relative

Families supporting a disabled relative in their primary home could use the credit for accessibility and mobility improvements tied to daily living.

Middle-income homeowners absorbing caregiving costs

Single filers under $200,000 and married couples under $400,000 would be positioned to claim the full credit if they have eligible expenses.

People who owe some tax but still need cash back

Because 50% is refundable, households with modest tax liability could still recover part of the cost even if they can't use the full credit against taxes owed.

Who is affected by H.R. 7584?

Lower-income families with limited cash up front

They could receive only half the credit as a refund, so they may still have to front thousands of dollars for home modifications before tax time.

Higher-income filers

Single filers above $200,000 and joint filers above $400,000 would see the credit reduced, and some would phase out entirely.

Families using other housing-related tax breaks

Anyone planning to claim another deduction or credit for the same renovation costs would have to choose which tax benefit to use.

Relatives who don't live in the home long enough

If the older or disabled relative does not live in your primary residence for more than half the year, the household would not qualify.

Cost & Funding

Authorization

H.R. 7584 creates a tax credit of up to $8,000 per taxpayer per year, with 50% refundable.

Back-of-napkin math: the maximum cash refund piece is $4,000, because only half of the $8,000 credit is refundable.
The other $4,000 helps only if you owe enough federal income tax to use it.
The bill text does not include a total federal cost estimate in the excerpt provided.
The $8,000 cap would be adjusted for inflation starting with tax years after 2027.

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Tracking floor activity — no debate on H.R. 7584 yet. Updates when a legislator speaks on the record.

HR7584 Legislative Journey

1 actions

House: Committee Action

Feb 13, 2026

Referred to the House Committee on Ways and Means.

About the Sponsor

Luz Rivas

Democrat, California's 29th congressional district · 1 years in Congress

Committees: Science, Space, and Technology, Natural Resources

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Committee Sponsors

Ways and Means Committee

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0 of 45 committee members cosponsored

No committee members have cosponsored this bill

19 Democrats across this committee haven't cosponsored yet. Mobilize their constituents

H.R. 7584 Quick Facts

Cosponsors

Committee: Ways and Means
Chamber: House
Policy: Taxation
Introduced: Feb 13, 2026

Referred to the House Committee on Ways and Means.

Feb 13, 2026

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H.R. 7584 Common Questions

How much is the tax credit in H.R. 7584?

Up to $8,000 per tax year. H.R. 7584 caps the credit at that amount before any income-based phaseout applies.

Would H.R. 7584 send you a refund if you owe little tax?

Partly. Half of the credit would be refundable, so the maximum refund piece is $4,000. The rest only helps if you owe enough federal income tax to use it.

Who counts as a qualifying relative under H.R. 7584?

The person must be your relative or your spouse's relative, be age 65 or older or disabled, and live in your primary home for more than half the year.