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State Median Income Test: Can You File Chapter 7 Bankruptcy?

The means test determines whether you can file Chapter 7. It begins by examining your income.

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Chapter 7 bankruptcy is designed to eliminate unsecured debt, such as credit cards, medical debt and utility bills.

Find out if you may be able to erase your debt!

Can You File Chapter 7? The Next Step:

1) Is your income within the limit? (see below chart)

  • YES: You will likely qualify to file Chapter 7.
  • NO: You may still qualify. Ask a lawyer about the second phase of the means test and Chapter 13.

2) Explore your options with a lawyer. Call 877-833-2410 talk to a lawyer for free -OR- receive a free bankruptcy evaluation by an attorney by clicking on the above box.

If Your Income is Within These Limits, You'll Likely Qualify for Chapter 7:

For cases filed on or after May 1, 2013.
State Single-Earner 2-Person 3-Person 4-Person*
*Add $8,100 for each individual in excess of 4.
Alabama $40,120 $49,163 $52,215 $64,700
Alaska $53,804 $71,624 $82,198 $88,373
Arizona $42,107 $55,118 $55,654 $61,023
Arkansas $36,505 $46,333 $49,494 $56,591
California $48,415 $63,030 $67,401 $75,656
Colorado $49,549 $65,631 $72,259 $86,787
Connecticut $58,337 $72,878 $86,390 $102,530
Delaware $48,284 $62,707 $73,284 $85,150
District Of Columbia $50,186 $81,960 $81,960 $81,960
Florida $41,915 $51,760 $54,934 $65,260
Georgia $41,214 $51,954 $56,189 $67,214
Hawaii $49,919 $63,896 $76,001 $84,690
Idaho $41,785 $49,896 $50,506 $62,322
Illinois $47,485 $59,861 $68,721 $80,776
Indiana $42,089 $52,618 $58,916 $70,763
Iowa $42,207 $58,852 $64,552 $78,366
Kansas $42,577 $56,851 $65,907 $76,402
Kentucky $40,020 $46,815 $55,613 $67,783
Louisiana $37,967 $47,731 $55,863 $70,347
Maine $41,488 $53,227 $60,425 $79,931
Maryland $58,269 $73,685 $87,206 $108,915
Massachusetts $55,602 $67,443 $82,495 $103,624
Michigan $45,029 $52,621 $61,715 $73,864
Minnesota $48,097 $63,654 $76,909 $89,126
Mississippi $36,240 $43,095 $46,062 $59,248
Missouri $41,092 $51,784 $59,549 $72,150
Montana $42,301 $54,362 $56,977 $67,055
Nebraska $41,861 $59,543 $67,235 $77,057
Nevada $44,924 $55,674 $55,674 $66,562
New Hampshire $52,588 $65,830 $82,924 $99,457
New Jersey $61,146 $69,697 $85,016 $103,786
New Mexico $38,349 $51,965 $51,965 $61,617
New York $47,790 $59,308 $69,052 $83,209
North Carolina $40,710 $51,812 $56,339 $64,983
North Dakota $41,557 $61,492 $68,688 $86,653
Ohio $42,814 $53,218 $60,960 $74,270
Oklahoma $40,665 $51,575 $53,500 $64,374
Oregon $43,160 $55,057 $62,202 $67,315
Pennsylvania $47,439 $55,210 $68,848 $82,078
Rhode Island $46,896 $61,607 $76,864 $83,785
South Carolina $39,238 $50,548 $53,532 $61,388
South Dakota $38,071 $57,188 $65,829 $73,960
Tennessee $39,891 $48,617 $55,080 $65,038
Texas $41,225 $55,895 $60,503 $67,296
Utah $50,976 $56,089 $63,430 $66,590
Vermont $46,019 $61,702 $67,774 $85,750
Virginia $53,328 $65,930 $77,585 $91,661
Washington $52,724 $65,123 $71,289 $83,270
West Virginia $41,499 $44,536 $54,790 $66,756
Wisconsin $43,661 $58,668 $65,775 $81,296
Wyoming $45,336 $63,193 $73,688 $78,733
Commonwealth or
U.S. Territory
Single-Earner 2-Person 3-Person 4-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 $22,392 $22,392 $23,537 $28,180
Virgin Islands $30,475 $36,627 $39,052 $42,785

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 Web site or consult with a local personal bankruptcy attorney.

Did You Make Less Than the Median Income In Your State?

If so, call 877-833-2410 or fill out the below form to talk for free with a local bankruptcy lawyer. Connect today for free:

More Information on the Bankruptcy Means Test and Median Incomes

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.

In the Chapter 7 means test, your income is determined by looking at household earnings for the six months prior to your bankruptcy filing, and multiplying by two for an annual household income.

If you fall below the median income, you may typically continue with a Chapter 7 filing. If you fall above the median income, a more complex analysis follows to determine how much disposable income you have available for payments to your creditors each month.

The above 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. Call 877-833-1049 today.

Visit the Bankruptcy Means Test section to learn more about qualifying to file Chapter 7 bankruptcy.

Bankruptcy Median Incomes: Learn More with a Local Lawyer

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

For more information on the means test, median income and other bankruptcy requirements, connect with a local bankruptcy attorney today by filling out our free bankruptcy evaluation form.

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