2020 Changes to Bankruptcy Means Test Median Family Income Amounts

The new bankruptcy median family income figures change on November 1, 2020.

Filers use the amounts to complete the means test to determine a filer's Chapter 7 discharge qualifications and calculate a Chapter 13 repayment plan. The figures change each year and vary widely between states, as shown by the following increases (figures include single filer amounts only):

  • Alabama $49,191 ($1,511 increase)
  • Hawaii $71,514 ($6,711 increase)
  • Minnesota $61,811 ($4,794 increase)
  • Texas $52,308 ($2,312 increase)
  • Washington $70,194 ($3,885increase)

All debtors filing cases after November 1, 2020, will use the figures below. Figures for families of two or more people are posted on the U.S. Trustee's website and can be found by following these steps:

  • Select "Means Testing Information" from the menu on the left of the page.
  • Scroll down to the box entitled "Data Required for Completing the 122A Forms and the 122C Forms."
  • Use the drop-down menu to select "11/1/2020 and after."
  • Click on the "Census Bureau Median Family Income By Family Size" link.

Learn more in Chapter 7 Means Test: Comparing Your Income to the State Median Income.

ALABAMA

$49,191

MONTANA

$54,201

ALASKA

$63,223

NEBRASKA

$50,847

ARIZONA

$55,159

NEVADA

$53,731

ARKANSAS

$46,120

NEW HAMPSHIRE

$71,169

CALIFORNIA

$62,171

NEW JERSEY

$71,064

COLORADO

$66,942

NEW MEXICO

$46,945

CONNECTICUT

$68,400

NEW YORK

$59,956

DELAWARE

$61,395

NORTH CAROLINA

$50,653

DIST OF COLUMBIA

$70,070

NORTH DAKOTA

$55,022

FLORIDA

$52,534

OHIO

$51,776

GEORGIA

$52,458

OKLAHOMA

$48,528

HAWAII

$71,514

OREGON

$61,303

IDAHO

$51,837

PENNSYLVANIA

$57,213

ILLINOIS

$57,983

RHODE ISLAND

$63,724

INDIANA

$51,689

SOUTH CAROLINA

$49,390

IOWA

$51,095

SOUTH DAKOTA

$51,723

KANSAS

$51,957

TENNESSEE

$50,182

KENTUCKY

$49,041

TEXAS

$52,308

LOUISIANA

$46,909

UTAH

$66,445

MAINE

$54,679

VERMONT

$55,409

MARYLAND

$70,964

VIRGINIA

$64,079

MASSACHUSETTS

$70,834

WASHINGTON

$70,194

MICHIGAN

$53,159

WEST VIRGINIA

$50,235

MINNESOTA

$61,811

WISCONSIN

$54,660

MISSISSIPPI

$44,765

WYOMING

$57,091

MISSOURI

$50,521

MONTANA

$54,201

GUAM

$42,770

PUERTO RICO

$24,669

N. MARIANA ISLANDS

$28,722

VIRGIN ISLANDS

$33,935

Effective date: November 1, 2020