2013 Bankruptcy Median Income Levels by State

The Means Test and Chapter 7 Eligibility

If you are considering filing Chapter 7 bankruptcy, the first thing you should figure out is whether or not you qualify.

Most individuals that are struggling with their debt do qualify for Chapter 7; however, Chapter 13 remains an option for certain people.

One easy way to determine whether or not you qualify is to speak with a sponsoring bankruptcy attorney. For a free consultation, simply fill out the form below.

Are You Eligible for Chapter 7?

  • Step 1) Calculate your income level and compare it to the income of a family (the same size as your family) in the state where you live. Does your income fall below the median income in your state? If so, chances are that you will be eligible to file Chapter 7.
  • Step 2) If your income is higher than the median income in your state (listed below), it does not mean that you cannot file Chapter 7. It simply means that an alternative calculation must be made to determine whether or not you qualify for bankrutpcy.

How Does Your Income Compare?

To determine how your income level compares to the median income level in your state, use the chart below as a reference. Afterwards, ask a local bankruptcy attorney about your legal options.

State Single-Earner 2-Person 3-Person 4-Person*
* Add $7,500 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 $36,605 $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 $72,787 $86,390 $102,530
Delaware $48,284 $62,707 $73,284 $85,150
District Of Columbia $50,186 $81,960 $81,960 $81,960
Florida $41,915 $51,760 $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 $42,557 $56,851 $65,907 $76,402
Kentucky $40,020 $46,815 $55,863 $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 $7,500 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

 

Tables Updated on May 2nd, 2013.

More Questions? Talk to an Attorney

If you are unsure about how bankruptcy might help you, talk to a bankruptcy attorney. He or she may be able to assess your financial situation and give you information about your legal options.

Fill out the form below for a free, no-obligation bankruptcy consultation.