Updated 7/30/2019

Your household income is an important element in determining whether you are eligible for a Chapter 7 Bankruptcy and calculating the payment amount and duration of a Chapter 13 Bankruptcy repayment plan.

The bankruptcy means test compares your income to the median income for the same-size household in your state. If you make less than the median, you’re presumed to qualify for a Chapter 7 or you are eligible for a Chapter 13 plan that ends after 3 years of payments. If you make more than the median income, you may need to file a Chapter 13 which lasts 5 years. However, in some instances you may still be able to file a Chapter 7 Bankruptcy notwithstanding your above-median income, which is why you should always speak to an experienced bankruptcy lawyer to help you understand your options.

The following chart is effective for bankruptcy cases filed on or after May 1, 2019. The median income changes periodically, and the current figures can always be found here.

State, Territory, CommonwealthOne PersonTwo PeopleThree PeopleFour People*
Alabama $47,657 $57,109 $63,940 $78,456
Alaska $63,042 $82,440 $83,416 $99,846
Arizona $52,334 $65,254 $70,976 $80,956
Arkansas $43,585 $53,906 $60,370 $68,341
California $57,962 $77,167 $84,003 $96,813
Colorado $62,495 $79,661 $87,325 $104,730
Connecticut $65,117 $83,597 $100,836 $116,897
Delaware $57,465 $71,409 $83,531 $99,922
District of Columbia $65,895 $113,283 $113,283 $132,289
Florida $49,172 $60,400 $66,872 $78,833
Georgia $47,953 $63,303 $72,594 $82,476
Hawaii $69,962 $79,403 $95,292 $104,619
Idaho $49,856 $61,092 $66,187 $74,149
Ilinois $54,238 $71,578 $83,182 $98,603
Indiana $49,421 $61,929 $72,826 $87,453
Iowa $50,819 $68,396 $77,604 $94,385
Kansas $50,416 $66,443 $75,902 $85,144
Kentucky $45,640 $54,835 $66,154 $78,951
Louisianna $45,045 $54,047 $64,002 $78,489
Maine $52,939 $65,800 $82,520 $96,516
Maryland $66,193 $86,801 $105,431 $118,599
Masachusetts $66,492 $83,326 $104,552 $130,695
Michigan $51,405 $62,618 $75,051 $92,742
Minnesota $58,443 $76,398 $94,312 $111,878
Mississipi $42,183 $52,837 $56,566 $66,729
Missouri $48,276 $61,310 $72,980 $85,651
Montana $51,898 $63,251 $71,427 $94,909
Nebraska $50,061 $70,061 $76,687 $93,362
Nevada $53,046 $63,330 $69,239 $84,997
New Hampshire $65,459 $77,719 $97,970 $116,775
New Jersey $68,349 $82,263 $103,634 $125,465
New Mexico $46,250 $56,124 $59,726 $69,583
New York $55,333 $71,343 $83,887 $102,384
North Carolina $48,629 $61,882 $68,853 $85,021
North Dakota $56,624 $74,167 $93,113 $104,903
Ohio $49,624 $62,308 $74,969 $89,454
Oklahoma $46,756 $59,133 $63,417 $74,341
Oregon $56,595 $68,375 $76,732 $90,600
Pensylvania $55,117 $66,649 $82,518 $100,078
Rhode Island $55,954 $77,030 $84,198 $103,813
South Carolina $46,710 $59,822 $64,106 $77,494
South Dakota $48,618 $67,373 $80,746 $88,743
Tennesee $47,214 $58,254 $67,870 $79,147
Texas $50,144 $65,429 $72,271 $83,960
Utah $62,535 $68,269 $78,581 $88,835
Vermont $51,596 $70,848 $79,734 $88,423
Virgina $61,864 $77,904 $91,781 $105,261
Washington $64,079 $78,357 $87,736 $107,640
West Virginia $48,608 $51,683 $61,715 $75,128
Wisconsin $52,295 $67,872 $81,447 $99,341
Wyoming $58,700 $69,957 $81,231 $91,714
Guam $42,009 $50,229 $57,238 $69,265
Northern Mariana Islands $28,211 $28,211 $32,821 $48,273
Puerto Rico $24,349 $24,349 $25,809 $31,923
Virgin Islands $33,331 $40,059 $42,712 $46,794
*Add $9,000 for each individual in excess of 4