Chapter 7 Bankruptcy Means Test Median Family Income Levels By State as of May 1, 2020

Below you will find the median family income levels utilized by the United States Trustee Program for means testing individuals who have filed for bankruptcy relief. As of May 1, 2020, the median family income levels for Florida have risen, which, generally, is a benefit to individuals who are in need of debt relief. The median income information is used by the bankruptcy court when determining whether or not an individual qualifies for relief under chapter 7 of the Bankruptcy Code, and also is used in determining the applicable commitment period for payment plans filed under chapter 13. If you are considering chapter 7 or chapter 13 bankruptcy, you should contact a Florida bankruptcy attorney such as Joseph Battaglia, immediately to discuss your situation. Sarasota bankruptcy attorney Joe Battaglia offers free initial consultations for bankruptcy matters.

This data comes from the United States Census Bureau and is updated regularly based upon the Consumer Price Index for All Urban Consumers. Note that being either above or below the applicable median income figure for your household size can be a good indicator of whether or not you should file a chapter 7 bankruptcy case, though it is far from the only factor to be considered. Therefore, your circumstances and specific situation should be reviewed by an experienced bankruptcy attorney for such a determination.

Each state has its own set of median income levels. The data for all U.S. states and U.S. territories, effective as of May 1, 2020, is shown in the chart below. These figures change periodically and so should not be relied upon without the consultation and advice of a competent bankruptcy attorney.

Median Income figures for Bankruptcy Means Testing

State1 earner2 People3 People4 People *
Alabama$48,544$56,918$68,554$82,991
Alaska$63,997$77,589$102,315$103,055
Arizona$52,319$65,713$71,704$86,950
Arkansas$43,230$53,946$58,258$74,086
California$60,360$79,271$88,235$101,315
Colorado$61,921$81,155$94,193$107,867
Connecticut$66,689$88,594$101,666$125,714
Delaware$55,578$72,644$84,584$102,625
District of Columbia$63,414$115,082$129,777$140,615
Florida$51,559$62,736$68,944$82,560
Georgia$50,128$65,007$73,738$87,317
Hawaii$65,977$77,621$100,620$114,381
Idaho$52,117$61,916$67,422$77,923
Illinois$54,877$72,593$83,759$103,074
Indiana$48,834$62,931$73,537$87,636
Iowa$51,579$69,127$78,930$95,581
Kansas$51,867$67,221$76,999$88,698
Kentucky$44,594$56,257$66,732$80,115
Louisiana$45,634$55,410$63,039$82,282
Maine$51,453$64,889$78,379$95,614
Maryland$70,789$90,424$106,282$128,272
Massachusetts$67,119$84,125$108,130$134,418
Michigan$53,113$64,428$78,217$93,653
Minnesota$58,050$77,702$97,657$114,326
Mississippi$42,414$51,904$58,472$69,732
Missouri$49,086$61,519$73,857$92,129
Montana$51,074$64,425$74,919$87,293
Nebraska$49,680$69,294$78,674$95,445
Nevada$52,449$65,756$74,856$81,528
New Hampshire$66,585$80,429$102,095$122,523
New Jersey$69,705$83,739$106,650$131,331
New Mexico$45,645$56,327$60,617$67,560
New York$57,137$72,642$88,240$107,550
North Carolina$48,772$62,050$69,162$87,505
North Dakota$53,306$80,899$87,824$99,327
Ohio$51,297$64,665$77,642$93,239
Oklahoma$49,198$59,495$66,585$76,691
Oregon$56,957$71,838$80,698$99,074
Pennsylvania$54,605$67,540$83,868$103,316
Rhode Island$61,706$75,858$85,100$104,833
South Carolina$47,487$61,529$66,595$81,226
South Dakota$47,906$69,046$70,326$83,823
Tennessee$48,219$60,913$69,734$79,701
Texas$50,902$66,899$73,948$86,259
Utah$64,806$69,006$82,638$93,474
Vermont$57,859$75,602$81,686$103,627
Virginia$62,029$79,412$91,995$111,993
Washington$67,511$80,251$92,568$107,481
West Virginia$49,056$52,028$64,281$76,273
Wisconsin$52,730$68,363$83,607$100,098
Wyoming$62,090$74,286$78,310$97,862
Guam$42,770$51,139$58,275$70,520
Northern Mariana Islands$28,722$28,722$33,416$49,148
Puerto Rico$24,701$24,701$26,023$34,108
Virgin Islands$33,935$40,785$43,486$47,642
* Add $9,000 for each individual in excess of 4.