November 1, 2019: Consumer Bankruptcy Means Test Median Family Income Levels Have Risen in Florida

As of November 1, 2019, the median family income levels utilized by the United States Trustee Program for means testing individuals have changed. Florida’s figures have risen, which generally benefits 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.

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 entire 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 November 1, 2019, is shown in the chart below. These figures are expected to change as of May 1, 2020, and should no longer be relied upon on or after that date.

Median Income figures for Bankruptcy Means Testing

State1 earner2 People3 People4 People *
Alabama$47,680$55,905$67,334$81,514
Alaska$62,858$76,208$100,494$101,221
Arizona$51,388$64,543$70,428$85,403
Arkansas$42,461$52,986$57,221$72,767
California$59,286$77,860$86,665$99,512
Colorado$60,819$79,711$92,517$105,947
Connecticut$65,502$87,017$99,857$123,477
Delaware$54,589$71,351$83,079$100,799
District of Columbia$62,285$113,034$127,467$138,112
Florida$50,641$61,619$67,717$81,091
Georgia$49,236$63,850$72,426$85,763
Hawaii$64,803$76,240$98,829$112,345
Idaho$51,189$60,814$66,222$76,536
Illinois$53,900$71,301$82,268$101,240
Indiana$47,965$61,811$72,228$86,076
Iowa$50,661$67,897$77,525$93,880
Kansas$50,944$66,025$75,629$87,119
Kentucky$43,800$55,256$65,544$78,689
Louisiana$44,822$54,424$61,917$80,818
Maine$50,537$63,734$76,984$93,912
Maryland$69,529$88,815$104,390$125,989
Massachusetts$65,924$82,628$106,206$132,026
Michigan$52,168$63,281$76,825$91,986
Minnesota$57,017$76,319$95,919$112,291
Mississippi$41,659$50,980$57,431$68,491
* Add $9,000 for each individual in excess of 4.
State1 earner2 People3 People4 People *
Missouri$48,212$60,424$72,543$90,489
Montana$50,165$63,278$73,586$85,739
Nebraska$48,796$68,061$77,274$93,746
Nevada$51,516$64,586$73,524$80,077
New Hampshire$65,400$78,998$100,278$120,342
New Jersey$68,464$82,249$104,752$128,994
New Mexico$44,833$55,325$59,538$66,358
New York$56,120$71,349$86,670$105,636
North Carolina$47,904$60,946$67,931$85,948
North Dakota$52,357$79,459$86,261$97,559
Ohio$50,384$63,514$76,260$91,580
Oklahoma$48,322$58,436$65,400$75,326
Oregon$55,943$70,559$79,262$97,311
Pennsylvania$53,633$66,338$82,375$101,477
Rhode Island$60,608$74,508$83,585$102,967
South Carolina$46,642$60,434$65,410$79,780
South Dakota$47,053$67,817$69,074$82,331
Tennessee$47,361$59,829$68,493$78,283
Texas$49,996$65,708$72,632$84,724
Utah$63,653$67,778$81,167$91,810
Vermont$56,829$74,256$80,232$101,783
Virginia$60,925$77,999$90,358$110,000
Washington$66,309$78,823$90,921$105,568
West Virginia$48,183$51,102$63,137$74,916
Wisconsin$51,792$67,146$82,119$98,317
Wyoming$60,985$72,964$76,916$96,120
* Add $9,000 for each individual in excess of 4.
Commonwealth or U.S. Territory1 earner2 People3 People4 People *
Guam$42,009$50,229$57,238$69,265
Northern Mariana Islands$28,211$28,211$32,821$48,273
Puerto Rico$24,261$24,261$25,560$33,501
Virgin Islands$33,331$40,059$42,712$46,794
* Add $9,000 for each individual in excess of 4.