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The Chapter 7 Means Test & State Median Income Levels

Your Chapter 7 Eligibility

Everyone filing Chapter 7 bankruptcy must take the Chapter 7 means test to determine whether they qualify for filing bankruptcy through Chapter 7.

The first part of the test concerns a person's income level as compared to other people in their particular state. If a person's income level is found to fall below their state's median income level, they "pass" the Chapter 7 means test and may be allowed to proceed with their Chapter 7 bankruptcy filing.

If a person's income level is found to be above their state income level, they still may qualify to file Chapter 7 bankruptcy if the bankruptcy court determines they have little "disposable" income.

While the means test is a bit complicated, a local bankruptcy attorney can help you determine your Chapter 7 eligibility according to the means test.

Let Chapter7.Me connect you with a local bankruptcy lawyer as soon as possible. All you have to do is fill out the below free form or call 888-632-0501 and we'll get to work connecting you with a nearby bankruptcy attorney.

State Median Income Levels

Below are the median state income numbers for each of the 50 states for the first part of the means test – the comparison of your income with the median income in your state. These figures are used for cases filed on or after May 1, 2013.

State Single-Earner 2-Person 3-Person 4-Person*
* Add $8,100 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 $36,505 $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 $72,878 $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 $42,577 $56,851 $65,907 $76,402
Kentucky $40,020 $46,815 $55,613 $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 $41,499 $44,536 $54,790 $66,756
Wisconsin $43,661 $58,668 $65,775 $81,296
Wyoming $45,336 $63,193 $73,688 $78,773

Commonwealth or U.S. Territory Single-Earner 2-Person 3-Person 4-Person*
* Add $8,100 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

Source: U.S. Trustee Program

Note: These figures are updated periodically by the United States Census Bureau. While we attempt to update this page to reflect the current median income amounts, we make no guarantee that the figures listed here are current.

Remember, if your income level exceeds your state's median income level, you may still qualify to file for Chapter 7 bankruptcy protection. You simply have to move on to the next part of the means test, which calculates your disposable income and unsecured debts.

Could Chapter 7 be right for you? Begin our free attorney evaluation form

Still Have Questions About The Means Test?

If so, there's no need to worry. The means test can be a bit complicated, thus highlighting the importance of working with a local bankruptcy attorney who can crunch the numbers for you.

At Chapter7.Me, we can connect you to a local bankruptcy lawyer in no time. All you have to do is fill out our free bankruptcy case review form or call 888-632-0501 and we'll get to work connecting you with a nearby bankruptcy attorney who can look at your current financial situation and help you determine if you are eligible to file Chapter 7 bankruptcy.

The above summary is not legal advice. Laws may have changed since our last update. For the latest information on bankruptcy laws, speak to a local bankruptcy lawyer in your state.