There is no income limit for contributing to a Traditional IRA. There is an income limit for being able to deduct your Traditional IRA contribution. You may open and make a contribution to Traditional or Roth IRA up until April 15th, subject to the usual $5500 (6500 if over 50) contribution limits.
However, you MUST HAVE EARNED INCOME TO MAKE A CONTRIBUTION TO ANY IRA.
Without a job or self-employment income, you have no earned income.
Edit to add: Sorry, missed fact that husband has earned income, you are eligible to contribute to an IRA based on his earned income.
