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 the 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, 2018. The median income changes periodically, and the current figures can always be found here.

State, Territory, CommonwealthOne PersonTwo PeopleThree PeopleFour People*
Alabama $46,521 $55,747 $62,416 $76,585
Alaska $61,539 $80,474 $81,427 $97,465
Arizona $51,086 $63,698 $69,284 $79,026
Arkansas $42,546 $52,621 $58,931 $66,712
California $56,580 $75,327 $82,000 $94,505
Colorado $61,005 $77,762 $85,243 $102,233
Connecticut $63,564 $81,604 $98,432 $114,110
Delaware $56,095 $69,706 $81,539 $97,540
District of Columbia $64,324 $110,582 $110,582 $129,135
Florida $48,000 $58,960 $65,278 $76,953
Georgia $46,810 $61,794 $70,863 $80,510
Hawaii $68,294 $77,510 $93,020 $102,125
Idaho $48,667 $59,635 $64,609 $72,381
Ilinois $52,945 $69,871 $81,199 $96,252
Indiana $48,243 $60,452 $71,090 $85,368
Iowa $49,607 $66,765 $75,754 $92,135
Kansas $49,214 $64,859 $74,092 $83,114
Kentucky $44,552 $53,528 $64,577 $77,069
Louisianna $43,971 $52,758 $62,476 $76,618
Maine $51,677 $64,231 $80,553 $94,215
Maryland $64,615 $84,731 $102,917 $115,771
Masachusetts $64,907 $81,339 $102,059 $127,579
Michigan $50,179 $61,125 $73,262 $90,531
Minnesota $57,050 $74,576 $92,063 $109,211
Mississipi $41,177 $51,577 $55,217 $65,138
Missouri $47,125 $59,848 $71,240 $83,609
Montana $50,661 $61,743 $69,724 $92,646
Nebraska $48,867 $68,391 $74,859 $91,136
Nevada $51,781 $61,820 $67,588 $82,970
New Hampshire $63,898 $75,866 $95,634 $113,991
New Jersey $66,719 $80,302 $101,163 $122,474
New Mexico $45,147 $54,786 $58,302 $67,924
New York $54,014 $69,642 $81,887 $99,943
North Carolina $47,470 $60,407 $67,211 $82,994
North Dakota $55,274 $72,399 $90,893 $102,402
Ohio $48,441 $60,822 $73,182 $87,321
Oklahoma $45,641 $57,723 $61,905 $72,569
Oregon $55,246 $66,745 $74,903 $88,440
Pensylvania $53,803 $65,060 $80,551 $97,692
Rhode Island $54,620 $75,193 $82,191 $101,338
South Carolina $45,596 $58,396 $62,578 $75,646
South Dakota $47,459 $65,767 $78,821 $86,627
Tennesee $46,088 $56,865 $66,252 $77,260
Texas $48,948 $63,869 $70,548 $81,958
Utah $61,044 $66,641 $76,707 $86,717
Vermont $50,366 $69,159 $77,833 $86,315
Virgina $60,389 $76,047 $89,593 $102,751
Washington $62,551 $76,489 $85,644 $105,074
West Virginia $47,449 $50,451 $60,244 $73,337
Wisconsin $51,048 $66,254 $79,505 $96,972
Wyoming $57,300 $68,289 $79,294 $89,527
Guam $41,007 $49,031 $55,873 $67,614
Northern Mariana Islands $27,538 $27,538 $32,038 $47,122
Puerto Rico $23,768 $23,768 $25,194 $31,162
Virgin Islands $32,536 $39,104 $41,694 $45,678
*Add $8,400 for each individual in excess of 4