State Medians

Means Test Median Income
by State (2026)

Current median income thresholds for every state and household size. Updated for April 2026.

How to Use This Data

The means test compares your annualized 6-month average household income to the median income for your state and household size. If your income is at or below the median, you qualify for Chapter 7 automatically.

Median figures are updated twice a year by the Census Bureau. The figures below are the most recent as of April 2026. Always verify at the UST website before filing.

Key Observations

States with the highest medians (most generous for filers): New Jersey, Connecticut, Maryland, Massachusetts, New Hampshire. States with the lowest medians (most restrictive): Mississippi, West Virginia, Arkansas, Alabama, New Mexico.

Household size matters significantly: a single person in Mississippi has a median around $40,000, while a family of 4 in Connecticut has a median around $125,000. Adding dependents raises the threshold by approximately $9,900-$10,500 per person.

Household Size Rules

Household size is not always the same as IRS dependents. Courts consider: people living in your home, people you financially support, and your actual family unit. If you have children in college or alternating custody, household size can be disputed.

Timing Your Filing

The means test uses a 6-month lookback. If you recently received a bonus, overtime pay, or other temporary income boost, waiting a few months may lower your average. Conversely, if you know income will increase (new job, raise), filing sooner captures the lower-income months.

Strategy: If you're within $5,000 of the median, timing can make the difference. Consult an attorney about optimal filing date.

Frequently Asked Questions

What is the median income for my state?
It varies by state and household size. As a rough guide, single-person medians range from about $40,000 to $75,000, and family-of-4 medians range from about $65,000 to $125,000. Check your specific state at the UST website.
How often do median income figures change?
The Census Bureau updates the figures twice a year, typically in January/February and April/May. Courts use the figures in effect on your filing date.
What if I'm right at the median?
If your annualized 6-month income is at or below the median, you qualify for Part 1. If you're just slightly above, the Part 2 expense deductions may still get you through.
Does household size include everyone in my house?
Not necessarily. Courts use different definitions. Generally, include anyone you financially support and who lives with you. Roommates who pay their own way may not count.

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Last updated: April 2026. Not legal advice.

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