Updated 11/21/2019

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 November 1, 2019. The median income changes periodically, and the current figures can always be found here.

State, Territory, CommonwealthOne PersonTwo PeopleThree PeopleFour People*
Alabama $47,680 $55,905 $67,334 $81,514
Alaska $62,858 $76,208 $100,494 $101,221
Arizona $51,388 $64,543 $70,428 $85,403
Arkansas $42,461 $52,986 $57,221 $72,767
California $59,286 $77,860 $86,665 $99,512
Colorado $60,819 $79,711 $92,517 $105,947
Connecticut $65,502 $87,017 $99,857 $123,477
Delaware $54,589 $71,351 $83,079 $100,799
District of Columbia $62,285 $113,034 $127,467 $138,112
Florida $50,641 $61,619 $67,717 $81,091
Georgia $49,236 $63,850 $72,426 $85,763
Hawaii $64,803 $76,240 $98,829 $112,345
Idaho $51,189 $60,814 $66,222 $76,536
Ilinois $53,900 $71,301 $82,268 $101,240
Indiana $47,965 $61,811 $72,228 $86,076
Iowa $50,661 $67,897 $77,525 $93,880
Kansas $50,661 $66,025 $75.629 $87,119
Kentucky $43,800 $55,256 $65,544 $78,689
Louisianna $44,822 $54,424 $61,917 $80,818
Maine $50,537 $63,734 $76,984 $93,912
Maryland $69,529 $88,815 $104,390 $125,989
Masachusetts $65,924 $82,628 $106,206 $132,026
Michigan $52,168 $63,281 $76,825 $91,986
Minnesota $57,017 $76,319 $95,919 $112,291
Mississipi $41,659 $50,980 $57,431 $68,491
Missouri $48,212 $60,424 $72,543 $90,489
Montana $50,165 $63,278 $73,586 $85,739
Nebraska $48,796 $68,061 $77,274 $93,746
Nevada $51,516 $64,586 $73,524 $80,077
New Hampshire $65,400 $78,998 $100,278 $120,342
New Jersey $68,464 $82,249 $104,752 $128,994
New Mexico $44,833 $55,325 $59,538 $66,358
New York $56,120 $71,349 $86,670 $105,636
North Carolina $47,904 $60,946 $67,931 $85,948
North Dakota $52,357 $79,459 $86,261 $97,559
Ohio $50,384 $63,514 $76,260 $91,580
Oklahoma $48,322 $58,436 $65,400 $75,326
Oregon $55,943 $70,559 $79,262 $97,311
Pensylvania $53,633 $66,338 $82,375 $101,477
Rhode Island $60,608 $74,508 $83,585 $102,967
South Carolina $46,642 $60,434 $65,410 $79,780
South Dakota $47,053 $67,817 $69,074 $82,331
Tennesee $47,361 $59,829 $68,493 $78,283
Texas $49,996 $65,708 $72,632 $84,724
Utah $63,653 $67,778 $81,167 $91,810
Vermont $56,829 $74,256 $80,232 $101,783
Virgina $60,925 $77,999 $90,358 $110,000
Washington $66,309 $78,823 $90,921 $105,568
West Virginia $48,183 $51,102 $63,137 $74,916
Wisconsin $51,792 $67,146 $82,119 $98,317
Wyoming $60,985 $72,964 $76,916 $96,120
Guam $42,009 $50,229 $57,238 $69,265
Northern Mariana Islands $28,211 $28,211 $32,821 $48,273
Puerto Rico $24,261 $24,261 $25,560 $33,501
Virgin Islands $33,331 $40,059 $42,712 $46,794
*Add $9,000 for each individual in excess of 4