State Median Incomes for Chapter 7 Bankruptcy

Means Test – Median Income Requirements

Law changes in 2005 now require bankruptcy filers to pass the Chapter 7 means test.

A major component of the means test is that you compare your income to the median income level in your state.

If your income is less than your state’s median income level, then you probably qualify to file Chapter 7 bankruptcy.

If your income is more than the median income in your state, you may still qualify for Chapter 7; however, the means test will require you to compare your expenses and disposable income against the bankruptcy court’s allowed expenses.

If the court finds you do not have enough money left over each month to repay a significant part of your debt, you may still be eligible for Chapter 7 – otherwise, you may need to file under Chapter 13.

Income Levels for Chapter 7 Bankruptcy

Find the median income level of your state and talk to a lawyer about your debt-relief options.

These number pertain to those who file 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 $50,915 $81,960 $81,960 $81,960
Florida $41,214 $51,954 $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 $41,449 $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

Free Case Evaluation by Chapter 7 Bankruptcy Attorney

Qualifying for Chapter 7 bankruptcy involves comparing your income to the median in your state for your household size.

If you’re struggling with debt and curious about your options, speak with a Chapter 7 bankruptcy attorney. No two cases are the same, and an attorney can help you weigh the pros and cons of filing for bankruptcy.

Ready to take the next step? Simply fill out the quick case review below to arrange a free, no-obligation consultation with a local Chapter 7 attorney today.

Note: Information for cases filed on or after May 1, 2013. 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. The latest information can be found at the U.S. Trustee Program Web site.

Updated as of: May 3, 2013.