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State Median Incomes for Bankruptcy

Qualifying Under the Chapter 7 Means Test

If you are wondering if you'll be able to file for bankruptcy under Chapter 7, there's good news. Most people who turn to Chapter 7 find that they are allowed to file under the means test.

Determining who can file for bankruptcy is one of the more complicated steps in the bankruptcy process, and many filers work with a bankruptcy attorney to make sure they complete this process correctly.

Here's how the Chapter 7 eligibility test works:

  1. The Chapter 7 means test involves comparing your income to a family the same size as yours in your state. If your income falls below the median amount, you can usually file for Chapter 7 bankruptcy.
  2. If your income is higher than the applicable median, a calculation of your monthly expenses, income, and debts is used to determine whether you can file under Chapter 7.

Ask a local participating attorney today if you qualify to file Chapter 7:

Chapter 7 Income Limits by State & Family Size

Your eligibility to file Chapter 7 is determined by comparing your annual income to the median income of the same household size in your state.

Find the median income level of your state to see if you may qualify to file for Chapter 7 and eliminate debt. Then, talk to a bankruptcy lawyer about your debt-relief options.

These numbers relate to cases filed on or after November 15, 2013.

Find your state in the list below:

StateSingle-Earner2-Person3-Person4-Person*
* Add $8,100 for each individual in excess of 4.
Alabama$39,768$48,770$51,621$66,434
Alaska$53,489$76,118$82,377$85,581
Arizona$41,993$55,022$56,503$64,604
Arkansas$37,081$46,495$50,755$58,333
California$47,798$62,009$66,618$75,111
Colorado$50,242$65,701$71,138
$83,330
Connecticut$60,403$72,761$86,254$104,670
Delaware$51,711$62,350$68,439$85,806
District Of Columbia$45,793$89,233$89,233$101,582
Florida$41,334$51,839$53,952$63,196
Georgia$40,631$52,610$55,829$68,085
Hawaii$52,975$65,708$80,618$83,538
Idaho$40,303$51,105$52,366$59,971
Illinois$47,536$61,253$70,014$81,680
Indiana$41,250$51,926$61,021$71,113
Iowa$42,346$58,057$64,027$76,173
Kansas$43,793$57,502$65,394$72,453
Kentucky$40,633$47,788$53,639$67,839
Louisiana$38,639$49,078$53,768$68,890
Maine$40,560$53,979$61,702$72,841
Maryland$58,202$75,992$86,655$105,685
Massachusetts$55,794$69,569$84,269$105,299
Michigan$44,072$52,540$61,110$74,863
Minnesota$48,876$64,454$77,579$90,945
Mississippi$35,306$44,149$44,149$51,140
Missouri$40,994$51,421$57,468$72,230
Montana$40,419$55,715$60,107$69,954
Nebraska$41,866$59,564$61,380$73,402
Nevada$41,054$55,349$55,349$61,732
New Hampshire$52,588$67,408$82,656$97,499
New Jersey$60,317$70,150$85,575$103,946
New Mexico$38,914$49,538$50,548$55,184
New York$47,414$59,631$70,151$83,614
North Carolina$40,736$51,662$55,049$66,147
North Dakota$44,098$61,172$72,041$87,154
Ohio$43,057$53,075$60,679$76,381
Oklahoma$39,749$51,097$55,641$64,916
Oregon$44,779$55,568$60,693$70,812
Pennsylvania$47,119$55,872$70,092$81,961
Rhode Island$48,651$61,510$74,720$91,592
South Carolina$39,301$48,891$54,010$62,490
South Dakota$39,040$56,899$60,259$75,267
Tennessee$39,759$48,053$56,042$62,805
Texas$41,354$56,296$59,567$68,566
Utah$49,347$57,734$65,311$70,176
Vermont$43,772$60,346$67,388$79,128
Virginia$51,817$65,510$75,774$90,945
Washington$52,996$63,409$72,286$84,970
West Virginia$42,415$45,284$54,229$65,442
Wisconsin$43,958$57,903$67,808$80,198
Wyoming$51,116$65,237$70,319$76,120

Commonwealth
or U.S. Territory
Single-Earner2-Person3-Person4-Person*
* Add $8,100 for each individual in excess of 4.
Guam$38,410$45,925$52,334$63,331
Northern Mariana Islands$25,793$25,793$30,008$44,137
Puerto Rico$22,834$22,834$23,379$28,763
Virgin Islands$30,475$36,627$39,052$42,785

Note: "Family size" has a specific legal definition. Consult with a local bankruptcy lawyer for information on how these changes may impact your options. Although we try to keep the means test median income information on this page as up-to-date as possible, the median income table may be updated at any time, and information on this page may be out of date.

Tables updated: May 2, 2013

The latest information can be found at the U.S. Trustee Program Web site. An attorney can also give you the latest median numbers.

If you're not sure whether filing for bankruptcy could help you, a bankruptcy attorney can help assess your finances and tell you more about your options. You might want to consider a Chapter 13 bankruptcy.

Click below to ask a bankruptcy lawyer for free if you qualify to file Chapter 7 or 13. Connect with a lawyer near you today and ask if Chapter 13 or 7 could work for you.

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