50 State Homestead Exemptions & Other Bankruptcy Exemptions
(Portions reprinted by permission from How to File for Chapter 7 Bankruptcy, Nolo © 2008)
Alabama Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Alabama.
Real property or mobile home to $5,000; property cannot exceed 160 acres (husband & wife may double) | ||
Wages | 75% of earned but unpaid wages; bankruptcy judge may authorize more for low-income debtors. (With respect to consumer loans, consumer credit sales, and consumer leases, 75% of weekly net earnings or 30 times the federal minimum hourly wage) | |
Automobiles | none (see wild card) | |
Other Property | Clothes, family pictures and family books | |
Wild Card | $3,000 of any personal property, except wages (husband & wife may double) | |
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Alaska Bankruptcy Law - State Exemptions
In Alaska, a debtor may choose State or Federal bankruptcy exemptions.
Principal residence up to $70,200 (joint owners may each claim a portion, but total can't exceed $70,200) | ||
Wages | Weekly net earnings to $456; for sole wage earner in a household, $716; if you don't receive weekly or semi-monthly pay, can claim $1,820 in cash or liquid assets paid any month; for sole wage earner in household, $2,860 | |
Automobiles | Up to $3,900 worth of one vehicle, as long as the total value of the vehicle does not exceed $26,000. | |
Other Property | Up to $3,900 worth of total personal property, including: clothing and household goods, books and musical instruments. Up to $1,300 worth of jewelry. Up to $3,640 worth of professional books, tools and implements. Up to $1,300 of pets. 100 percent of health aids, burial plots and certain benefits. | |
Wild Card | none | |
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Arizona Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Arizona.
$150,000 for real property, an apartment, or mobile home you occupy to; sale proceeds exempt 18 months after sale or until new home purchased, whichever occurs first (husband & wife may not double) | ||
Wages | 75% of earned but unpaid weekly net earnings or 30 times the federal minimum hourly wage; 50% of wages for support orders; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Up to $5,000 ($10,000, if debtor is physically disabled) | |
Other Property | household furniture & appliances to $4,000 (see ); food and fuel to last six months; $500 of clothing; health aids (see details for more) | |
Wild Card | None | |
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Arkansas Bankruptcy Law - State Exemptions
In Arkansas, a debtor may choose State or Federal bankruptcy exemptions.
For married person or head of family: unlimited exemption on real or personal property used as residence to 1/4 acre in city, town, or village, or 80 acres elsewhere; if property is between 1/4 to 1 acre in city, town, or village, or 80-160 acres elsewhere, additional limit is $2,500; homestead may not exceed 1 acre in city, town, or village, or 160 acres elsewhere (husband & wife may not double) | ||
Wages | Earned but unpaid wages due for 60 days; in no event less than $25 per week | |
Automobiles | $1,200 | |
Other Property | Clothing, wedding rings (see wild card) | |
Wild Card | $500 of any personal property if married or head of family; $200 if not married | |
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California Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in California.
Real or personal property you occupy including mobile home, boat, stock cooperative, community apartment, planned development, or condo to $75,000 if single & not disabled; $100,000 for families if no other member has a homestead (if only one spouse files, may exempt one-half of amount if home held as community property and all of amount if home held as tenants in common); $175,000 if 65 or older, or physically or mentally disabled; $175,000 if 55 or older, single, & gross annual income under $15,000 or married & gross annual income under $20,000 & creditors seek to force the sale of your home; forced sale proceeds received exempt for 6 months after; separated but married debtor may claim homestead in community property still occupied by other spouse. (Husband & wife may not double) | ||
Wages | Minimum 75% of wages paid within 30 days prior to filing | |
Automobiles | Motor vehicles to $2,725, or $2,725 in auto insurance for loss or damages (husband and wife may not double) | |
Other Property | Jewelry, heirlooms & art to $7,175 total (husband and wife may not double)Health aids Building materials to repair or improve home to $2,875 (husband and wife may not double) Tools, implements, materials, instruments, uniforms, books, furnishings, & equipment to $7,175 total ($14,350 total if used by both spouses in same occupation); amount of exemption for commercial motor vehicle not to exceed $4,850 ($9,700 if used by debtor and spouse in same trade) | |
Wild Card | None (use federal non-bankruptcy wage exemption) | |
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Colorado Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Colorado.
Real property, mobile home, manufactured home, or house trailer you occupy to $60,000; $90,000 if owner, spouse, or dependent is disabled or age 60 or older; sale proceeds exempt 2 years after received (husband & wife may double) | ||
Wages | Minimum 75% of weekly net earnings or 30 times the federal or state minimum wage, whichever is greater, including pension and insurance payments | |
Automobiles | Motor vehicles or bicycles used for work to $5,000; to $10,000 if used by a debtor or by a dependent who is disabled or age 60 or older | |
Other Property | Clothing to $1,500 Food & fuel to $600 Health aids Household goods to $3,000 Jewelry & articles of adornment to $2,000 Family pictures & books to $1,500 | |
Wild Card | None | |
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Connecticut Bankruptcy Law - State Exemptions
In Connecticut, a debtor may choose State or Federal bankruptcy exemptions.
Owner occupied real property, co-op or mobile manufactured home, to $75,000 (husband & wife may double); applies only to claims arising after 1993, but to $125,000 in the case of a money judgment arising out of services provided at a hospital. | ||
Wages | Minimum 75% of earned but unpaid weekly disposable earnings, or 40 times the state or federal hourly minimum wage, whichever is greater | |
Automobiles | $1,500 | |
Other Property | Wedding & engagement rings Appliances, food, clothing, furniture, bedding Health aids needed Transfers to a nonprofit debt adjuster | |
Wild Card | $1,000 of any property | |
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Delaware Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Delaware.
Equity in real property or equity in a manufactured home that is debtors principal residence not to exceed $75,000 in 2010, $100,000 in 2011, and $125,000 in 2012; $125,000 for persons totally disabled from working or married persons where at least one of the spouses is 65 years old or older. (joint filers may not double) | ||
Wages | 85% of earned but unpaid wages | |
Automobiles | Vehicle necessary for purposes of employment to $15,000 each | |
Other Property | $25,000 (maximum) for any personal property and/or equity in real property, other than the debtor's principal residence Tools of trade up to $15,000. | |
Wild Card | $500 of any personal property, except tools of trade, if head of family | |
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District of Columbia Bankruptcy Law - State Exemptions
In District of Columbia, a debtor may choose State or Federal bankruptcy exemptions.
Any property used as a residence or co-op that debtor or debtor's dependent uses as a residence | ||
Wages | Minimum 75% of earned but unpaid wages, pension payments; bankruptcy judge may authorize more for low-income debtors Nonwage (including pension & retirement) earnings to $200/mo for head of family; else $60/mo for a maximum of two months | |
Automobiles | $2,575 | |
Other Property | Appliances, books, clothing, household furnishings, and goods, musical instruments, pets to $425 per item or $8,625 total All family pictures; and all the family library, to $400 | |
Wild Card | Up to $850 in any property, plus up to $8,075 of unused homestead exemption | |
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Florida Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Florida.
Real or personal property including mobile or modular home to unlimited value; cannot exceed half acre in municipality or 160 acres elsewhere; spouse or child of deceased owner may claim homestead exemption (husband & wife may double) | ||
Wages | 100% of wages for heads of family up to $500 per week either unpaid or paid and deposited into bank account for up to 6 months | |
Automobiles | Motor vehicle to $1,000 | |
Other Property | Any personal property to $1,000 (husband & wife may double) $4,000 of any personal property in lieu of homestead exemption. This exemption does not apply to a debt owed for child support or spousal support. Health aids | |
Wild Card | See personal property | |
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Georgia Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Georgia.
Real or personal property, including co-op, used as residence to $10,000 ($20,000 if married, and the property is solely owned by one spouse); up to $5,000 of unused portion of homestead may be applied to any property | ||
Wages | Minimum 75% of earned but unpaid weekly disposable earnings, or 40 times the state or federal hourly minimum wage, whichever is greater, for private & federal workers; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicles to $3,500 | |
Other Property | Animals, crops, clothing, appliances, books, furnishings, household goods, musical instruments to $300 per item, $5,000 total Jewelry to $500 Health aids | |
Wild Card | Unused portion of homestead exemption to $5,000 $600 of any property | |
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Hawaii Bankruptcy Law - State Exemptions
In Hawaii, a debtor may choose State or Federal bankruptcy exemptions.
Head of family or over 65 to $30,000; all others to $20,000; property cannot exceed 1 acre; sale proceeds exempt for 6 months after sale (husband & wife may not double) | ||
Wages | Unpaid wages due for services of past 31 days | |
Automobiles | Motor vehicle to wholesale value of $2,575 | |
Other Property | Jewelry, watches, & articles of adornment to $1,000 100% of Appliances & furnishings, Books & Clothing used by debtor and family 100% of Tools, implements, books, instruments, uniforms, furnishings, fishing boat, nets, motor vehicle, & other property needed for livelihood | |
Wild Card | None | |
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Idaho Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Idaho.
Real property or mobile home to $100,000; sale proceeds exempt for 6 months (husband and wife may not double) | ||
Wages | Minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage, whichever is greater; pension payments; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | $7,000 | |
Other Property | Appliances, furnishings, books, clothing, pets, musical instruments, 1 firearm, family portraits, & sentimental heirlooms to $750 per item, $7,500 total Building materials Crops cultivated on maximum of 50 acres, to $1,000; water rights to 160 inches Health aids Jewelry to $1,000 Tools of trade to $2,500 | |
Wild Card | $800 in any tangible personal property | |
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Illinois Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Illinois.
Real or personal property including a farm, lot, & buildings, condo, co-op, or mobile home to $15,000 (husband and wife may double); sale proceeds exempt for 1 year | ||
Wages | Minimum 85% of earned but unpaid weekly wages or 45 times the federal minimum hourly wage; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | $2,400 | |
Other Property | See Wild Card Bible, family pictures, schoolbooks, & clothing Health aids Implements, books, & tools of trade to $1,500 | |
Wild Card | $4,000 of any personal property (does not include wages) | |
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Indiana Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Indiana.
Real or personal property used as residence to $17,600 (husband and wife may double); Property held as tenancy by the entirety may be exempt against debts incurred by only one spouse | ||
Wages | Minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | No specific exemption | |
Other Property | Health aids $350 of any intangible personal property, except money owed to you Health or medical savings accounts under state or federal law. Education or college savings accounts under IRC 529 or 530, contributions made at least 1 year before filing. | |
Wild Card | $9,350 of any real estate or tangible personal property | |
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Iowa Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Iowa.
Real property or an apartment to an unlimited value; property cannot exceed 1/2 acre in town or city, 40 acres elsewhere (husband & wife may not double) | ||
Wages | Expected annual earnings Amount NOT exempt per year $0 to $12,000 -- $250 $12,000 to $16,000 -- $400 $16,000 to $24,000 -- $800 $24,000 to $35,000 -- $1,000 $35,000 to $50,000 -- $2,000 More than $50,000 -- 10% Not exempt from spousal or child support | |
Automobiles | $7,000 | |
Other Property | Clothing & its storage containers, household furnishings, appliances, musical instruments, and other personal property to $7,000 Bibles, books, portraits, pictures, & paintings to $1,000 total Rifle or musket; shotgun Wedding or engagement rings, limited to $7,000 if purchased after the date of marriage and less than two prior to years of filing. | |
Wild Card | $1,000 of any personal property, including cash | |
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Kansas Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Kansas.
Real property or mobile home you occupy or intend to occupy to unlimited value; property cannot exceed 1 acre in town or city, 160 acres on farm | ||
Wages | Minimum 75% of disposable weekly wages or 30 times the federal minimum hourly wage per week, whichever is greater; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | $20,000; if designed or equipped for disabled person, no limit | |
Other Property | Furnishings & household equipment Clothing to last 1 year Food & fuel to last 1 year Jewelry & articles of adornment to $1,000 Tools of trade: Books, documents, furniture, instruments, equipment, breeding stock, seed, grain, & stock to $7,500 total | |
Wild Card | None | |
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Kentucky Bankruptcy Law - State Exemptions
In Kentucky, a debtor may choose State or Federal bankruptcy exemptions.
Real or personal property used as residence to $5,000; sale proceeds exempt | ||
Wages | Minimum 75% of disposable weekly earnings or 30 times the federal minimum hourly wage per week, whichever is greater; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | $2,500 | |
Other Property | Burial plot to $5,000, in lieu of homestead Clothing, jewelry, articles of adornment, & furnishings to $3,000 total | |
Wild Card | $1,000 of any property | |
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Louisiana Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Louisiana.
Property you occupy to $25,000 (if debt is result of catastrophic or terminal illness or injury, limit is full value of property as of 1 year before filing); cannot exceed 5 acres in city or town, 200 acres elsewhere (husband & wife may not double) | ||
Wages | Minimum 75% of disposable weekly earnings or 30 times the federal minimum hourly wage per week, whichever is greater; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | $7,500 $7,500 of equity in a motor vehicle modified for disability | |
Other Property | Arms, military accoutrements; bedding; dishes, glassware, utensils, silverware (nonsterling); clothing, family portraits, musical instruments; bedroom, living room, & dining room furniture; poultry, 1 cow, household pets; heating & cooling equipment, refrigerator, freezer, stove, washer & dryer, iron, sewing machine Engagement & wedding rings to $5,000 | |
Wild Card | None | |
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Maine Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Maine.
Real or personal property (including cooperative) used as residence to $47,500; if debtor has minor dependents in residence, to $95,000; if debtor over age 60 or physically or mentally disabled, $95,000 (joint debtors in this category may double); proceeds of sale exempt for six months | ||
Wages | None (use federal nonbankruptcy wage exemption) | |
Automobiles | $5,000 | |
Other Property | Animals, crops, musical instruments, books, clothing, furnishings, household goods, appliances to $200 per item Food to last 6 months Fuel not to exceed 10 cords of wood, 5 tons of coal, or 1,000 gal. of heating oil Jewelry to $750; no limit for one wedding & one engagement ring Several tools of trade exemptions (see more..) | |
Wild Card | $400, in any property Unused portion of exemption in homestead to $6,000; or unused exemption in animals, crops, musical instruments, books, clothing, furnishings, household goods, appliances, tools of the trade, & personal injury recoveries | |
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Maryland Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Maryland.
Owner occupied residential property to $21,625 (husband and wife may not double) Property held as tenancy by the entirety is exempt against debts owed by only one spouse | ||
Wages | Earned but unpaid wages, the greater of 75% or $145 per week; in Kent, Caroline, & Queen Anne's of Worcester Counties, the greater of 75% or 30 times federal minimum hourly wage | |
Automobiles | none (see Wild Card) | |
Other Property | Appliances, furnishings, household goods, books, pets, & clothing to $1000 total Clothing, books, tools, instruments, & appliances needed for trade or profession to $5,000 | |
Wild Card | $6,000 of cash or any personal property; must claim exemption within 30 days of levy or attachment An additional $5,000 in any personal property | |
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Massachusetts Bankruptcy Law - State Exemptions
In Massachusetts, a debtor may choose State or Federal bankruptcy exemptions.
Automatic homestead $125,000; Declared homestead $500,000 for property you occupy or intend to occupy (including mobile home); (co-owners may not double) (special rules if over 62 or disabled, may double to 1,000,00). | ||
Wages | 85% of gross wages OR 50 times minimum wage per week | |
Automobiles | $7,500; $15,000 if used by elderly or disabled debtor | |
Other Property | Beds & bedding; heating unit; clothing Bibles & books to $200 total; sewing machine to $200 Cash for fuel, heat, water, or light to $75 per month Cash to $200/month for rent, in lieu of homestead 2 cows, 12 sheep, 2 swine, 4 tons of hay Food or cash for food to $300 Furniture to $3,000; Trust company, bank, or credit union deposits to $500 | |
Wild Card | up to $1,000 plus up to $5,000 unused about of exemptions for automobile, household furnishings, and tools of trade | |
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Michigan Bankruptcy Law - State Exemptions
In Michigan, a debtor may choose State or Federal bankruptcy exemptions.
Real property including condo to $35,300, $52,925 if elderly or disabled; property cannot exceed 1 lot in town, village, city, or 40 acres elsewhere; spouse or children of deceased owner may claim homestead exemption. Spouses or unmarried co-owners may not double. | ||
Wages | Head of household may keep 60% of earned but unpaid wages (no less than $15/week), plus $2/week per nonspouse dependent; if not head of household may keep 40% (no less than $10/week) | |
Automobiles | $3,250 | |
Other Property | Appliances, utensils, books, furniture, & household goods, to $550 each, to $3,525 total Building & loan association shares to $1,175 par value, in lieu of homestead Clothing; family pictures 1 computer & accessories to $600 Crops, farm animals, and feed for the farm animals to $2,350 Food & fuel to last family for 6 months Church pew, slip, seat for entire family to $600 Household pets to $600 Professionally prescribed health aids Tools, implements, materials, stock, apparatus, or other things needed to carry on occupation to $2,350 total | |
Wild Card | None | |
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Minnesota Bankruptcy Law - State Exemptions
In Minnesota, a debtor may choose State or Federal bankruptcy exemptions.
Home and land on which it is situated to $360,000; if homestead is used for agricultural purposes, $900,000; cannot exceed 1/2 acre in city, 160 acres elsewhere (husband & wife may not double) | ||
Wages | Wages, paid within 6 mos. of returning to work, after receiving welfare or after incarceration; includes earnings deposited in a financial institution in the last 60 days Minimum 75% of weekly disposable earnings or 40 times federal minimum hourly wage, whichever is greater | |
Automobiles | $4,400 (up to $44,000 if vehicle has been modified for disability) | |
Other Property | Appliances, furniture, jewelry, radio, phonographs, & TV to $9,900 total Bible and books Clothing, one watch, food, & utensils for family Farm machines, implements, livestock, produce, & crops to $13,000 total Tools, machines, instruments, stock in trade, furniture, & library to $11,500 total Total value of Tools of Trade and Farm Machines combined cannot exceed $13,000 | |
Wild Card | None | |
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Mississippi Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Mississippi.
Property you own & occupy to $75,000; if over 60 and married or widowed may claim a former residence; property cannot exceed 160 acres; sale proceeds exempt Mobile home (as personal property) to $30,000 (Mobile home does not qualify as homestead unless you own land on which it is located) | ||
Wages | Earned but unpaid wages owed for 30 days; after 30 days, minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage, whichever is greater (bankruptcy judge may authorize more for low-income debtors) | |
Automobiles | No specific exemption | |
Other Property | Tangible personal property to $10,000: any items worth less than $200 each; furniture, dishes, kitchenware, household goods, appliances, 1 radio & 1 TV, 1 firearm, 1 lawnmower, clothing, wedding rings, motor vehicles, tools of the trade, books, crops, health aids, domestic animals (does not include works of art, antiques, jewelry, or electronic entertainment equipment) | |
Wild Card | $50,000 of any property, whether real, personal or mixed, tangible or intangible, including deposits of money, available to any Mississippi resident who is 70 years of age or older. | |
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Missouri Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Missouri.
Real property to $15,000 or mobile home to $5,000 (joint owners may not double) | ||
Wages | Minimum 75% of weekly earnings (90% of weekly earnings for head of family), or 30 times the federal minimum hourly wage, whichever is more; bankruptcy judge may authorize more for low-income debtors Wages of servant or common laborer to $90 | |
Automobiles | Motor vehicle to $3,000 | |
Other Property | Appliances, household goods, furnishings, clothing, books, crops, animals, & musical instruments to $3,000 total Health aids Wedding ring to 1,500, other jewelry to $500 Implements, books, & tools of trade to $3,000 | |
Wild Card | $1,250 of any property if head of family, else $600; head of family may claim additional $350 per child. | |
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Montana Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Montana.
Real property or mobile home you occupy to $250,000; sale, condemnation, or insurance proceeds exempt for 18 months Must record homestead declaration before filing for bankruptcy | ||
Wages | Minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage, whichever is greater; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | $2,500 | |
Other Property | Appliances, household furnishings, goods, animals with feed, crops, musical instruments, books, firearms, sporting goods, clothing, & jewelry to $600 per item, $4,500 total Implements, books, & tools of trade to $3,000 25-13-609(3) Uniforms, arms, accoutrements needed to carry out government functions | |
Wild Card | None | |
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Nebraska Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Nebraska.
$60,000 for married debtor or head of household; cannot exceed 2 lots in city or village, 160 acres elsewhere; sale proceeds exempt 6 months after sale (husband & wife may not double) | ||
Wages | Minimum 85% of earned but unpaid weekly disposable earnings or pension payments for head of family; minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage, whichever is greater, for all others; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle if used to commute to work (as part of $2,400 tools of trade exemption) | |
Other Property | Furniture, household goods & appliances, household electronics, personal computers, books, & musical instruments to $1,500 Equipment or tools including a vehicle used in/or for commuting to principal place of business to $2,400 (husband & wife may double) | |
Wild Card | $2,500 of any personal property, except wages, in lieu of homestead | |
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Nevada Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Nevada.
Real property or mobile home to $550,000 (husband & wife may not double) Must record homestead declaration before filing for bankruptcy | ||
Wages | Minimum 75% of disposable weekly earnings or 50 times the federal minimum hourly wage per week, whichever is more; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $15,000; no limit on vehicle equipped for disabled person | |
Other Property | One gun Appliances, household goods, furniture, electronics, clothing, home & yard equipment owned by debtor or dependent of debtor to $12,000 total Books, works of art, musical instruments and jewelry to $5,000 | |
Wild Card | $1,000 | |
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New Hampshire Bankruptcy Law - State Exemptions
In New Hampshire, a debtor may choose State or Federal bankruptcy exemptions.
Real property or manufactured housing (and the land it's on if you own it) to $100,000 | ||
Wages | 50 times the federal minimum hourly wage per week | |
Automobiles | Motor vehicle to $4,000 | |
Other Property | Beds, bedding, & cooking utensils Furniture to $3,500 Bibles & books to $800 Church pew Clothing Cooking & heating stoves, refrigerator 1 cow, 6 sheep & their fleece, 4 tons of hay Jewelry to $500 1 hog or pig or its meat (if slaughtered) Domestic fowl to $300 Food & fuel to $400 Yoke of oxen or horse needed for farming or teaming Tools of your occupation to $5,000 | |
Wild Card | $1,000 of any property | |
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New Jersey Bankruptcy Law - State Exemptions
In New Jersey, a debtor may choose State or Federal bankruptcy exemptions.
None, but survivorship interest of a spouse in property held as tenancy by the entirety is exempt from creditors of a single spouse | ||
Wages | 90% of earned but unpaid wages if annual income under 250% of the poverty level for family size; 75% if annual income is more than that amount Wages or allowances received by military personnel | |
Automobiles | no specific exemption | |
Other Property | Personal property & possessions of any kind, stock or interest in corporations to $1,000 total Clothing Furniture & household goods to $1,000 | |
Wild Card | None (see personal property) | |
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New Mexico Bankruptcy Law - State Exemptions
In New Mexico, a debtor may choose State or Federal bankruptcy exemptions.
$60,000 (joint owners may double) | ||
Wages | Minimum 75% of disposable earnings or 40 times the federal hourly minimum wage, whichever is more; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $4,000 | |
Other Property | Books & furniture Building materials Clothing Jewelry to $2,500 Materials, tools & machinery to dig, drill, complete, operate, or repair oil line, gas well, or pipeline Tools of trade $1,500 | |
Wild Card | $500 of any personal property | |
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New York Bankruptcy Law - State Exemptions
In New York, a debtor may choose State or Federal bankruptcy exemptions.
Real property including co-op, condo, or mobile home, to $150,000 for the counties of Kings, New York, Queens, Bronx, Richmond, Nassau, Suffolk, Rockland, Westchester, and Putnam; $125,000 for the counties of Dutchess, Albany, Columbia, Orange, Saratoga, and Ulster; $75,000 for the remaining counties in the state. (husband & wife may double) | ||
Wages | 90% of earned but unpaid wages received within 60 days before & anytime after filing 100% of pay of noncommissioned officer, private, or musician in U.S. or N.Y. state armed forces | |
Automobiles | Motor vehicle to $4,000. $10,000 if vehicle equipped for a disabled person (husband & wife may double) | |
Other Property | Clothing, furniture, refrigerator, TV, radio, computer and cell phone, crockery, cooking utensils & tableware, dishes necessary for family; Stoves and home heating equipment with fuel to last 120 days; Wedding ring, jewelry and art to $1,000; Religious texts, schoolbooks, other books to $500; Church pew or seat; Domestic animal with food to last 120 days, to $1,000; (NY CPLR § 5205) In bankruptcy, these personal property exemptions claimed under NY CPLR § 5205 may not exceed $10,000 total (including tools of trade & limited annuity) (NY DEBT & CRED § 282) | |
Wild Card | $1,000 if no homestead claimed | |
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North Carolina Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in North Carolina.
Real or personal property, including co-op, used as residence to $35,000 (husband and wife may double) ($60,000 if 65 or older and spouse is deceased); up to $5,000 of unused portion of homestead may be applied to any property | ||
Wages | Earned but unpaid wages received 60 days before filing for bankruptcy, needed for support | |
Automobiles | Motor vehicle to $3,500 | |
Other Property | Animals, crops, musical instruments, books, clothing, appliances, household goods & furnishings to $5,500 total; may add $1,000 per dependent, up to $4,000 total additional (all property must have been purchased at least 90 days before filing) Implements, books, & tools of trade to $2,000 | |
Wild Card | $5,000 less any amount claimed for homestead or burial exemption, of any property $500 of any personal property | |
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North Dakota Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in North Dakota.
Real property, house trailer, or mobile home to $100,000 (husband & wife may not double) | ||
Wages | Minimum 75% of disposable weekly earnings or 40 times the federal minimum wage, whichever is more; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $2,950 or $32,000 for vehicle that has been modified to accommodate owner's disability | |
Other Property | 1. All debtors may exempt: Bible, schoolbooks; other books Burial plots, church pew; Wearing apparel to $5,000, and all clothing of the debtor & debtor's family Family pictures ; Crops or grain raised by debtor on 160 acres where debtor resides; 28-22-02(8) Food & fuel to last 1 year Insurance proceeds for exempt property, if held in cash or invested in other exempt property Motor vehicle to $2,950 or $32,000 for vehicle that has been modified to accommodate owner's disability 28-22-03.1(2) Personal injury recoveries to $7,500 Wrongful death recoveries to $7,500 | |
Wild Card | $7,500 of any property in lieu of homestead Head of household not claiming crops or grain may claim $7,500 of any personal property Non-head of household not claiming crops or grain may claim $3,750 of any personal property | |
more North Dakota Bankruptcy Exemptions... |
Ohio Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Ohio.
Real or personal property used as residence to $21,625 | ||
Wages | Minimum 75% of disposable weekly earnings or 40 times the federal hourly minimum wage, whichever is higher; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $3,450 | |
Other Property | Animals, crops, books, musical instruments, appliances, household goods, furnishings, firearms, hunting & fishing equipment to $525 per item; jewelry to $1,450 for 1 or more items; $11,525 total. Beds, bedding, clothing to $200 per item Cash, money due within 90 days, tax refund, bank, security, & utility deposits to $400 total (husband & wife may double) Cooking unit & refrigerator to $300 each Implements, books, & tools of trade to $2,175 | |
Wild Card | $1,175 of any property | |
more Ohio Bankruptcy Exemptions... |
Oklahoma Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Oklahoma.
Real property or manufactured home to unlimited value; property cannot exceed 1 acre in city, town, or village, or 160 acres elsewhere; $5,000 limit if more than 25% of total sq. ft. area used for business purposes; okay to rent homestead as long as no other residence is acquired | ||
Wages | 75% of wages earned in 90 days before filing bankruptcy; bankruptcy judge may allow more if you show hardship | |
Automobiles | Motor vehicle to $7,500 | |
Other Property | Books, portraits, & pictures Clothing to $4,000 Household & kitchen furniture, personal computer & related equipment Livestock for personal or family use: 5 dairy cows & calves under 6 months; 100 chickens; 20 sheep; 10 hogs; 2 horses, bridles, & saddles; forage & feed to last 1 year Guns for household use to $2,000 Wedding and anniversary rings to $3,000 | |
Wild Card | None | |
more Oklahoma Bankruptcy Exemptions... |
Oregon Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Oregon.
Real property, mobile home or houseboat you occupy or intend to occupy to $40,000 ($50,000 for joint owners); property cannot exceed 1 block in town or city or 160 acres elsewhere; sale proceeds exempt 1 year from sale, if you intend to purchase another home | ||
Wages | 75% of disposable wages or $170 per week, whichever is greater; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $3,000 (husband & wife may double) | |
Other Property | Clothing, jewelry, & other personal items to $1,800 total (husband & wife may double) Bank deposits to $7,500; cash for sold exempt property Books, pictures, & musical instruments to $600 total (husband & wife may double) Domestic animals, poultry, & pets to $1,000 plus food to last 60 days Furniture, household items, utensils, radios, & TVs to $3,000 total Pistol; rifle or shotgun (owned by person over 16) to $1,000 | |
Wild Card | $400 of any personal property not already covered by existing exemption (husband & wife may double) | |
more Oregon Bankruptcy Exemptions... |
Pennsylvania Bankruptcy Law - State Exemptions
In Pennsylvania, a debtor may choose State or Federal bankruptcy exemptions.
None; however, property held as tenancy by the entirety may be exempt against debts owed by only one spouse | ||
Wages | Earned but unpaid wages | |
Automobiles | none | |
Other Property | Bibles & schoolbooks Clothing Military uniforms & accoutrements Sewing machines | |
Wild Card | $300 of any property, including cash, real property, securities, or proceeds from sale of exempt property | |
more Pennsylvania Bankruptcy Exemptions... |
Rhode Island Bankruptcy Law - State Exemptions
In Rhode Island, a debtor may choose State or Federal bankruptcy exemptions.
$300,000 in land & buildings you occupy or intend to occupy as a principal residence (husband & wife may not double) | ||
Wages | Earned but unpaid wages to $50 Earned but unpaid wages due military member on active duty Earned but unpaid wages due seaman Wages of any person who had been receiving public assistance are exempt for 1 year after going off of relief Wages of spouse & minor children | |
Automobiles | Motor vehicles to $12,000 | |
Other Property | Clothing Beds, bedding, furniture, household goods, & supplies, to $9,600 total (husband & wife may not double) Bibles & books to $300 Consumer cooperative association holdings to $50 Jewelry to $2,000 Working tools to $1,500 Library of practicing professional | |
Wild Card | $5,000 | |
more Rhode Island Bankruptcy Exemptions... |
South Carolina Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in South Carolina.
Real property, including co-op, to $53,375 (joint owners may double) | ||
Wages | None (use federal nonbankruptcy wage exemption) | |
Automobiles | Motor vehicle to $5,350 | |
Other Property | Jewelry to $1,075 Animals, crops, appliances, books, clothing, household goods, furnishings, musical instruments to $4,275 total Burial plot to $50,000, in lieu of homestead (joint owners may double) Cash & other liquid assets to $5,350, in lieu of burial or homestead exemption Implements, books, & tools of trade to $1,600 | |
Wild Card | Up to $5,350 for any property, from unused exemptions amounts for homestead, burial, motor vehicle, personal property, jewelry or tool of trade exemptions. | |
more South Carolina Bankruptcy Exemptions... |
South Dakota Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in South Dakota.
Real property to unlimited value or mobile home (larger than 240 sq. ft. at its base and registered in state at least 6 months before filing) to unlimited value; property cannot exceed 1 acre in town or 160 acres elsewhere; sale proceeds to $30,000 ($170,000 if over age 70 or widow or widower who hasn't remarried) exempt for 1 year after sale (husband & wife may not double) | ||
Wages | Earned wages owed 60 days before filing bankruptcy, needed for support of family | |
Automobiles | no specific exemption | |
Other Property | Bible, schoolbooks; other books to $200 Burial plots, church pew Clothing Family pictures Food & fuel to last 1 year | |
Wild Card | Head of family may claim $6,000, or nonhead of family may claim $4,000 of any personal property | |
more South Dakota Bankruptcy Exemptions... |
Tennessee Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Tennessee.
$5,000; $7,500 for joint owners; $25,000 if at least one dependent is a minor child. (if 62 or older, 12,500 if single; $20,000 if married; $25,000 if spouse is also 62 or older) | ||
Wages | Minimum 75% of disposable weekly earnings or 30 times the federal minimum hourly wage, whichever is more, plus $2.50 per week per child; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | no specific exemption | |
Other Property | $10,000 of any personal property including deposits on account with any bank or financial institution Clothing & storage containers Burial plots to 1 acre Bible, schoolbooks, family pictures, & portraits | |
Wild Card | See personal property | |
more Tennessee Bankruptcy Exemptions... |
Texas Bankruptcy Law - State Exemptions
In Texas, a debtor may choose State or Federal bankruptcy exemptions.
Unlimited; property cannot exceed 10 acres in town, village, city or 100 acres (200 for families) elsewhere; sale proceeds exempt for 6 months after sale (renting okay if another home not acquired, Prop. 41.003) Must file homestead declaration, or court will file it for you and charge you for doing so | ||
Wages | Unpaid commissions not to exceed 25% of total personal property exemptions | |
Automobiles | 1 two-, three- or four-wheeled motor vehicle per family member or per single adult who holds a driver's license; or, if not licensed, who relies on someone else to operate vehicle | |
Other Property | Clothing & food Home furnishings including family heirlooms Jewelry (limited to 25% of total exemption) Pets & domestic animals plus their food: 2 horses, mules, or donkeys & tack; 12 head of cattle; 60 head of other livestock; 120 fowl Health aids (exempt from total) Tools, equipment (includes boat & motor vehicles used in trade), & books | |
Wild Card | None | |
more Texas Bankruptcy Exemptions... |
Utah Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Utah.
Real property, mobile home, or water rights to $20,000 if primary residence; $5,000 if not primary residence (joint owners may double) | ||
Wages | Minimum 75% of disposable weekly earnings or 30 times the federal hourly minimum wage, whichever is more; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $2,500 | |
Other Property | Animals, books, & musical instruments to $500 Artwork depicting, or done by, a family member Bed, bedding, carpets Clothing (cannot claim furs or jewelry) Dining & kitchen tables & chairs to $500 Food to last 12 months Health aids Heirlooms to $500 Refrigerator, freezer, microwave, stove, sewing machine, washer & dryer Sofas, chairs, & related furnishings to $500 | |
Wild Card | None | |
more Utah Bankruptcy Exemptions... |
Vermont Bankruptcy Law - State Exemptions
In Vermont, a debtor may choose State or Federal bankruptcy exemptions.
Real property or mobile home to $75,000; may also claim rents, issues, profits, & out-buildings (husband and wife may double) | ||
Wages | Minimum 75% of weekly disposable earnings or 30 times the federal minimum hourly wage, whichever is greater; bankruptcy judge may authorize more for low-income debtors Entire wages, if you received welfare during 2 months before filing | |
Automobiles | Motor vehicles to $2,500 | |
Other Property | Appliances, furnishings, goods, clothing, books, crops, animals, musical instruments to $2,500 total Bank deposits to $700 Cow, 2 goats, 10 sheep, 10 chickens, & feed to last 1 winter; 3 swarms of bees plus honey; 5 tons coal or 500 gal. heating oil, 10 cords of firewood; 500 gal. bottled gas; growing crops to $5,000; yoke of oxen or steers, plow & ox yoke; 2 horses with harnesses, halters, & chains Jewelry to $500; wedding ring unlimited Stove, heating unit, refrigerator, freezer, water heater, & sewing machines | |
Wild Card | Unused exemptions for motor vehicle, tools of trade, jewelry, household furniture, appliances, clothing, & crops to $7,000 | |
more Vermont Bankruptcy Exemptions... |
Virginia Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Virginia.
Must file homestead declaration before filing for bankruptcy $5,000 plus $500 per dependent; rents & profits; sale proceeds exempt to $5,000 (husband & wife may double, unused portion of homestead may be applied to any personal property); if 65 or older, exemption is $10,000 | ||
Wages | Minimum 75% of weekly disposable earnings or 40 times the federal minimum hourly wage, whichever is greater; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $2,000 ($10,000 if needed for occupation or education) | |
Other Property | Clothing to $1,000 Family portraits & heirlooms to $5,000 total Household furnishings to $5,000 Pets Wedding and engagement rings Tools, books, and instruments of trade, including motor vehicles, to $10,000, needed in your occupation or education For farmer, pair of horses, or mules with gear; one wagon or cart, one tractor to $3,000; 2 plows & wedges; one drag, harvest cradle, pitchfork, rake; fertilizer to $1,000 | |
Wild Card | Unused portion of homestead or personal property exemption $10,000 of any property for disabled veterans | |
more Virginia Bankruptcy Exemptions... |
Washington Bankruptcy Law - State Exemptions
In Washington, a debtor may choose State or Federal bankruptcy exemptions.
Real property, manufactured home, or mobile home to $125,000; unimproved property intended for residence to $15,000 (husband and wife may not double) | ||
Wages | Minimum 75% of weekly disposable earnings or 30 times the federal minimum hourly wage, whichever is greater; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $2,500 total for individual (two vehicles to $5,000 for community) | |
Other Property | Appliances, furniture, household goods, home & yard equipment to $2,700 total for individual ($5,400 for community) Books to $1,500 Burial plots sold by nonprofit cemetery association 68.20.120 Clothing, no more than $1,000 in furs, jewelry, ornaments Food & fuel for comfortable maintenance 6.15.010(3)(a) Fire insurance proceeds for lost, stolen, or destroyed exempt property Keepsakes & family pictures Farmer's trucks, stock, tools, seed, equipment, & supplies to $5,000 total Library, office furniture, office equipment, & supplies of physician, surgeon, attorney, clergy, or other professional to $5,000 total Tools & materials used in any other trade to $5,000 | |
Wild Card | $2,000 of any personal property (no more than $200 in cash, bank deposits, bonds, stocks, & securities) | |
more Washington Bankruptcy Exemptions... |
West Virginia Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in West Virginia.
Real or personal property used as residence to $25,000; unused portion of homestead may be applied to any property (husband & wife may double) | ||
Wages | Minimum 30 times the federal minimum hourly wage per week; bankruptcy judge may authorize more for low-income debtors | |
Automobiles | Motor vehicle to $2,400 | |
Other Property | Animals, crops, clothing, appliances, books, household goods, furnishings, musical instruments to $400 per item, $8,000 total Burial plot to $25,000, in lieu of homestead Jewelry to $1,000 Implements, books, & tools of trade to $1,500 | |
Wild Card | $800 plus unused portion of homestead or burial exemption, of any property) | |
more West Virginia Bankruptcy Exemptions... |
Wisconsin Bankruptcy Law - State Exemptions
In Wisconsin, a debtor may choose State or Federal bankruptcy exemptions.
Property you occupy or intend to occupy to $75,000; sale proceeds exempt for 2 years if you intend to purchase another home (husband & wife's exemption may double) | ||
Wages | 75% of weekly net income or 30 times the greater of the federal or state minimum hourly wage; bankruptcy judge may authorize more for lowincome debtors | |
Automobiles | Motor vehicles to $5,000 (husband & wife may double; unused portion of $12,000 personal property exemption may be added) | |
Other Property | Household goods and furnishings, clothing, keepsakes, jewelry, appliances, books, musical instruments, firearms, sporting goods, animals, and other tangible personal property to $12,000 total (husband & wife may double) Deposit accounts to $5,000 Equipment, inventory, farm products, books, and tools of trade to $15,000 total. | |
Wild Card | None | |
more Wisconsin Bankruptcy Exemptions... |
Wyoming Bankruptcy Law - State Exemptions
Federal bankruptcy exemptions are not available in Wyoming.
Real property you occupy to $10,000 or house trailer you occupy to $6,000 (joint owners may double) | ||
Wages | Minimum 75% of disposable weekly earnings or 30 times the federal hourly minimum wage, whichever is more | |
Automobiles | Motor vehicle to $2,400 | |
Other Property | Bedding, furniture, household articles, & food to $2,000 per person in the home Clothing & wedding rings to $1,000 Library & implements of profession to $2,000 or tools, motor vehicle, implements, team & stock in trade to $2,000 | |
Wild Card | None | |
more Wyoming Bankruptcy Exemptions... |
Federal Bankruptcy Exemptions
United States Homestead Exemption | Real property, including co-op or mobile home, or burial plot to $21,625; unused portion of homestead to $10,825 may be applied to any property | |
|---|---|---|
Wages | None (see non-bankruptcy exemptions) | |
Automobiles | Motor vehicle to $3,450 | |
Other Property | Animals, crops, clothing, appliances, books, furnishings, household goods, musical instruments to $550 per item, 11,525 total Health aids Jewelry to $1,450 | |
Wild Card | Up to $10,825 of unused homestead exemption amount, for any property. $1,150 of any property | |
More...choose your state to see detailed federal exemptions (if they are available in your state) |
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