State Median Income Table

The bankruptcy means test is used to determine if you should be able to file bankruptcy under Chapter 7, and it begins by comparing your income to the median income in your state.

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Median income is calculated by separating all households into two groups of equal size, with half earning more than the median and half earning less. Median income varies significantly from state to state, and even within a state depending upon the size of your family.

If you fall below the median income, you may typically continue with a Chapter 7 filing to receive a debt discharge. If you fall above the median income, your case may be determined to be "abusive" by the bankruptcy courts, and could be converted to a Chapter 13 debt reorganization plan.

The following table provides current median income figures for each state and family size. For more information on how these figures may be used in your bankruptcy case, connect with a local bankruptcy attorney. Simply fill out our free bankruptcy evaluation form or call 877-833-1049 today.

Note: This table is for general information purposes only and is not legal advice. While we make every attempt to keep the data provided on this page as current as possible, the median income table may be updated at any time, causing the information on this page to become out of date. For the latest information on state median incomes when filing bankruptcy, visit the U.S. Trustee Program website or consult with a local personal bankruptcy attorney.

For cases filed on or after: November 1, 2009.
State Single-Earner 2-Person 3-Person 4-Person*
* Add $6,900 for each individual in excess of 4.
Alabama $38,415 $48,075 $55,631 $65,311
Alaska $52,130 $74,073 $77,544 $85,422
Arizona $42,628 $56,894 $62,066 $69,452
Arkansas $33,531 $44,415 $48,721 $57,905
California $48,140 $64,878 $70,890 $79,477
Colorado $47,253 $64,985 $69,977 $81,644
Connecticut $58,529 $72,586 $86,643 $102,124
Delaware $46,414 $60,953 $70,075 $88,725
District Of Columbia $42,270 $68,892 $69,294 $69,294
Florida $41,226 $52,259 $58,574 $69,009
Georgia $40,691 $55,258 $61,104 $68,502
Hawaii $55,418 $67,199 $77,539 $91,483
Idaho $39,625 $51,474 $52,765 $62,051
Illinois $46,105 $60,052 $71,329 $81,465
Indiana $40,828 $52,554 $59,650 $70,873
Iowa $40,061 $55,284 $64,372 $72,961
Kansas $41,357 $57,767 $63,438 $72,610
Kentucky $37,584 $45,653 $54,683 $64,459
Louisiana $37,464 $48,287 $53,461 $66,256
Maine $38,812 $50,912 $62,076 $70,374
Maryland $55,238 $73,061 $85,455 $101,803
Massachusetts $53,505 $69,451 $82,591 $99,648
Michigan $43,611 $52,620 $61,737 $74,824
Minnesota $45,262 $62,384 $75,073 $86,637
Mississippi $32,068 $42,758 $46,685 $58,518
Missouri $39,645 $51,568 $60,371 $71,059
Montana $40,122 $52,497 $58,636 $65,827
Nebraska $40,352 $56,861 $63,702 $72,542
Nevada $46,316 $60,449 $67,052 $71,104
New Hampshire $51,515 $64,204 $79,668 $93,926
New Jersey $60,026 $72,000 $86,070 $103,261
New Mexico $36,773 $50,637 $50,637 $55,561
New York $46,485 $58,109 $69,421 $82,457
North Carolina $38,794 $52,194 $56,930 $67,295
North Dakota $36,884 $54,662 $62,635 $75,140
Ohio $41,873 $52,216 $61,772 $73,301
Oklahoma $39,068 $50,891 $54,522 $62,037
Oregon $42,495 $56,019 $62,832 $72,667
Pennsylvania $44,555 $53,763 $67,757 $77,867
Rhode Island $45,222 $62,806 $76,846 $87,002
South Carolina $39,191 $51,374 $55,296 $65,655
South Dakota $36,844 $54,331 $63,153 $70,182
Tennessee $37,732 $49,110 $54,014 $64,228
Texas $38,940 $55,859 $59,222 $66,381
Utah $50,568 $56,932 $61,905 $69,990
Vermont $41,742 $56,858 $65,326 $74,163
Virginia $48,362 $65,122 $74,151 $85,939
Washington $51,344 $64,158 $72,533 $82,716
West Virginia $39,275 $43,224 $51,836 $58,479
Wisconsin $42,356 $57,405 $68,123 $80,530
Wyoming $44,161 $59,830 $65,820 $76,964
Commonwealth or
U.S. Territory		 Single-Earner 2-Person 3-Person 4-Person*
* Add $6,900 for each individual in excess of 4.
Guam $36,019 $43,066 $49,076 $59,389
Northern
Mariana Islands		 $20,384 $20,384 $23,196 $27,532
Puerto Rico $20,715 $20,715 $23,631 $26,822
Virgin Islands $28,577 $34,348 $36,621 $40,123

Bankruptcy Median Incomes: Learn More with a Local Attorney

The median income table represents only one part of the bankruptcy means test to determine if you can file Chapter 7 bankruptcy, or file Chapter 13 bankruptcy.

For more information on the means test, median income and other bankruptcy requirements, connect with a local bankruptcy attorney today. Simply fill out our free evaluation form below or call 877-833-2410 to connect with an attorney near you and who can evaluate your case and help you continue the bankruptcy filing process.

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