| Alabama | $18,800 (secondary source; not confirmed in the statute) | Not recorded | $9,400 (secondary source; not confirmed in the statute) | No | Ala. Code 6-10-2 (homestead up to 160 acres; statutory base $15,000, or $56,400 if 62 or older or disabled, as amended by Act 2026-203; each joint owner claims separately); 6-10-6 (personal property of any kind, statutory base $7,500); 6-10-12 (State Treasurer adjusts every 3 years from 2017-07-01; adjusted amounts apply to exemptions claimed on or after the following April 1); 6-10-11 (federal 522(d) exemptions not available) | alison.legislature.state.al.us |
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| Alaska | $72,900 | $4,050 | Not recorded | Yes | AS 09.38.010(a)(1) (homestead); 09.38.020(e)(3) (vehicle) | akb.uscourts.gov |
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| Arizona | $400,000 plus annual CPI adjustment (statutory base; the current adjusted figure may be higher; A.R.S. 33-1101) | $15,000 plus annual CPI adjustment (statutory base; the current adjusted figure may be higher; A.R.S. 33-1125) | Not recorded | No | A.R.S. 33-1101(A), (B), (D) (homestead); 33-1125(8) (motor vehicle); 33-1133(B) (federal exemptions not available) | azleg.gov |
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| Arkansas | Acreage-based, no dollar cap (secondary source; not confirmed in the statute) | $1,200 (secondary source; not confirmed in the statute) | Not recorded | Yes (secondary source; not confirmed in the statute) | Ark. Code Ann. 16-66-210, 16-66-218 | upsolve.org (secondary) |
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| California | $361,076 to $722,507 (secondary source; not confirmed in the statute) | $8,625 | $1,950 | No | Cal. Civ. Proc. Code 704.730 (system 1 homestead, county-median formula, CPI-adjusted yearly); 703.140(b)(1) (system 2 residence $36,750), (b)(2) (motor vehicle $8,625), (b)(5) ($1,950 plus unused (b)(1) amount); 704.010 (system 1 vehicle $8,625); 703.130 (federal 522(d) exemptions not authorized) | courts.ca.gov |
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| Colorado | $250,000 | $15,000 | Not recorded | No | C.R.S. 38-41-201(1) (homestead $250,000; $350,000 if the owner, spouse or dependent is 60 or older or disabled); 13-54-102(1)(j) (up to two motor vehicles or bicycles, $15,000 aggregate; $25,000 if elderly or disabled); 13-54-107 (federal 522(d) exemptions denied) | content.leg.colorado.gov |
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| Connecticut | $250,000 | $7,000 | $1,000 | Yes (no opt-out in the exemption sections read) | C.G.S. 52-352b(21) (homestead $250,000); 52-352b(10) (up to two motor vehicles, $7,000 aggregate); 52-352b(18) (any property, $1,000); no opt-out in chapter 906 | cga.ct.gov |
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| Delaware | $200,000 | $25,000 | $25,000 | No | 10 Del. C. 4914(a) (federal exemptions not available); 4914(b) (any property other than the principal residence, $25,000); 4914(c)(1) (principal residence $200,000); 4914(c)(2) (vehicle $25,000); 4914(d) (joint cases) | delcode.delaware.gov |
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| District of Columbia | No dollar cap | $2,575 | $850 | Yes (no opt-out in the exemption sections read) | D.C. Code 15-501(a)(14) (residence, no dollar limit); 15-501(a)(1) (one motor vehicle $2,575); 15-501(a)(3) ($850 plus up to $8,075 of unused (a)(14) amount); no opt-out in 15-501 | code.dccouncil.gov |
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| Florida | No dollar cap; land area limited | $5,000 | $4,000 | No | Fla. Const. art. X, sec. 4(a)(1) (homestead: 160 contiguous acres outside a municipality, one-half acre inside, no dollar cap) and 4(a)(2) (personal property $1,000); Fla. Stat. 222.25(1) (one motor vehicle $5,000); 222.25(4) (personal property $4,000 if no homestead claimed); 222.20 (federal exemptions not available) | flsenate.gov |
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| Georgia | $50,000 (secondary source; not confirmed in the statute) | $5,000 (secondary source; not confirmed in the statute) | $1,200 (secondary source; not confirmed in the statute) | No (secondary source; not confirmed in the statute) | O.C.G.A. 44-13-100 | upsolve.org (secondary) |
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| Hawaii | $20,000; $30,000 for a head of family or a person 65 or older | $2,575 | Not recorded | Yes (no opt-out in the exemption sections read) | HRS 651-92(a)(1) and (2) (one parcel of real property: $30,000 for a head of family or a person 65 or older, $20,000 for any other person; one exemption per parcel); HRS 651-121(2) (one motor vehicle $2,575 over liens); HRS chapter 651 Part III table of contents (sections 651-61 to 651-124) has no bankruptcy opt-out section | capitol.hawaii.gov (archived copy) |
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| Idaho | $175,000 | $10,000 | $1,500 | No | Idaho Code 55-1003 (homestead $175,000); 11-605(3) (one motor vehicle $10,000); 11-605(10) (any tangible personal property $1,500); 11-609 (federal exemptions not available) | legislature.idaho.gov |
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| Illinois | $50,000 | $3,600 | $4,000 | No | 735 ILCS 5/12-901 (homestead $50,000; co-owners share $100,000); 5/12-1001(c) (one motor vehicle $3,600); 5/12-1001(b) (any other property $4,000); 5/12-1201 (federal exemptions not available) | ilga.gov |
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| Indiana | $22,750 (secondary source; not confirmed in the statute) | Not recorded | $12,100 (secondary source; not confirmed in the statute) | No (secondary source; not confirmed in the statute) | Ind. Code 34-55-10-2(c) | upsolve.org (secondary) |
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| Iowa | No dollar cap; land area limited | $7,000 | $1,000 | No | Iowa Code 561.16 (homestead exempt from judicial sale, no dollar cap) and 561.2 (one-half acre within a city plat, otherwise 40 acres); 627.6(9) (one motor vehicle $7,000); 627.6(14) (cash, deposits or any other personal property $1,000); 627.10 (federal 522(d) exemptions not available) | legis.iowa.gov |
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| Kansas | No dollar cap; land area limited | $20,000 | Not recorded | No | K.S.A. 60-2301 (homestead: 160 acres of farmland or 1 acre in a city, no dollar cap); 60-2304(c) (one means of conveyance $20,000); 60-2312(a) (federal exemptions not available, except 522(d)(10) benefits under 60-2312(b)) | ksrevisor.org |
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| Kentucky | $5,000 | $2,500 | $1,000 | Yes | KRS 427.060 (residence or burial plot $5,000); 427.010(1) and 427.040 (one motor vehicle $2,500); 427.160 (general exemption in bankruptcy $1,000); 427.170 (debtor domiciled in Kentucky may exempt the 11 U.S.C. 522(d) property) | apps.legislature.ky.gov |
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| Louisiana | $35,000 | $15,000 | Not recorded | No | La. R.S. 20:1(A)(1), (2) (homestead $35,000; up to 5 acres in a municipality, 200 acres outside; full value against debts from catastrophic or terminal illness or injury); La. R.S. 13:3881(A)(7) (one motor vehicle $15,000 equity; a second $15,000 vehicle if married or a licensed-driver child in the household), (A)(8) ($20,000 disability-adapted vehicle); 13:3881(B)(1) (federal 522(d) exemptions not available) | legis.la.gov |
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| Maine | $80,000 | $10,000 | $500 | No | 14 M.R.S. 4422(1)(A), (B) (residence $80,000; $160,000 with minor dependents in the home, or debtor or dependent 60 or older or disabled); 4422(2) (one motor vehicle $10,000); 4422(15) (any property $500) and 4422(16) (up to $10,500 of unused residence amount for listed items); 4426 (federal exemptions not available) | legislature.maine.gov |
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| Maryland | $125,000 | Not recorded | $6,000 | No | Md. Code, Cts. & Jud. Proc. 11-504(f)(1)(i)2 and (ii), (iii) as amended by 2026 Md. Laws ch. 400 (SB 939), effective 2026-06-01 (owner-occupied residence $125,000 per individual, $125,000 total per property); 11-504(b)(6) (cash or any property $6,000); 11-504(f)(1)(i)1 (additional $5,000 personal property in bankruptcy); 11-504(g) (federal exemptions not available) | mgaleg.maryland.gov |
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| Massachusetts | $125,000 automatic; $1,000,000 declared | $7,500 | $1,000 | Yes (no opt-out in the exemption sections read) | M.G.L. c. 188, sec. 1 (automatic homestead $125,000; declared homestead $1,000,000); c. 235, sec. 34, cl. Sixteenth (automobile $7,500 wholesale value; $15,000 if handicapped or 60 or older), cl. Seventeenth (any personal property $1,000 plus up to $5,000 unused); no opt-out in c. 235, sec. 34 | malegislature.gov |
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| Michigan | $51,150 (secondary source; not confirmed in the statute) | $4,725 (secondary source; not confirmed in the statute) | Not recorded | Yes | MCL 600.5451(1) (debtor may exempt property exempt under federal law or, under 11 U.S.C. 522(b)(2), the state list); 600.5451(1)(m) (homestead, statutory base $30,000 or $45,000 if 65 or older or disabled); 600.5451(1)(g) (one motor vehicle, statutory base $2,775); 600.5451(4) (state treasurer adjusts every 3 years) | legislature.mi.gov |
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| Minnesota | $510,000 | $10,000 | $1,500 | Yes (no opt-out in the exemption sections read) | Minn. Stat. 510.02 subd. 1 (homestead $510,000, or $1,275,000 if primarily agricultural; up to 160 acres; per homestead); 550.37 subd. 12a (one motor vehicle $10,000); 550.37 subd. 28 (wild card in bankruptcy $1,500); 550.37 subd. 4a (periodic adjustment); no opt-out in 510.02 or 550.37 | revisor.mn.gov |
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| Mississippi | Not recorded | Not recorded | Not recorded | Not recorded | Not read | Not reached |
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| Missouri | $15,000 ($40,000 from January 1, 2027) | $3,000 ($5,000 plus up to $10,000 of unused household-goods exemption from January 1, 2027) | $600 ($1,700 from January 1, 2027) | No | RSMo 513.475.1 (homestead $15,000, version in force since 2003-08-28); 513.430.1(5) (motor vehicles $3,000) and 513.430.1(3) (any other property $600), version in force since 2022-08-28; 513.427 (federal exemptions not available); 2026 H.B. 1870 (merged with S.B. 835 and 1111) raises the amounts effective 2027-01-01 | revisor.mo.gov |
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| Montana | $350,000 (2021 base) plus 4 percent a year (statutory base; the current adjusted figure may be higher; MCA 70-32-104) | $4,000 | Not recorded | No | MCA 70-32-104(3) (homestead value limit: $350,000 in 2021, increasing 4 percent every calendar year after 2021, set by Department of Revenue rule); 25-13-609(2) (one motor vehicle $4,000); 31-2-106 (federal 522(d) list not available) | mca.legmt.gov |
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| Nebraska | $120,000 | $5,000 plus five-year CPI adjustment (statutory base; the current adjusted figure may be higher; Neb. Rev. Stat. 25-1556) | $5,000 plus five-year CPI adjustment (statutory base; the current adjusted figure may be higher; Neb. Rev. Stat. 25-1552) | No | Neb. Rev. Stat. 40-101 (homestead $120,000; up to 160 acres outside a city or two lots inside); 25-1556(1)(e) (motor vehicle $5,000) and 25-1556(2); 25-1552(1) (personal property $5,000) and 25-1552(2); 25-15,105 (federal exemptions rejected) | nebraskalegislature.gov |
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| Nevada | $605,000 | $15,000 | $10,000 | No | NRS 21.090(1)(l) and NRS 115.010 (homestead $605,000); 21.090(1)(f) (one vehicle, equity $15,000); 21.090(1)(z) (personal property not otherwise exempt, $10,000); 21.090(3) (federal 522(d) exemptions do not apply) | leg.state.nv.us |
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| New Hampshire | $400,000 | $10,000 | $1,000 | Yes (no opt-out in the exemption sections read) | RSA 480:1 I and III (homestead $400,000 per person; total not more than $550,000; effective 2026-01-01); RSA 511:2 XVI (one automobile $10,000); 511:2 XVIII ($1,000 in any property plus up to $7,000 unused from listed items); no opt-out in RSA 511:2 or chapter 480 | gc.nh.gov |
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| New Jersey | None (secondary source; not confirmed in the statute) | None (secondary source; not confirmed in the statute) | $1,000 (secondary source; not confirmed in the statute) | Yes (secondary source; not confirmed in the statute) | N.J.S.A. 2A:17-19 (wildcard) | upsolve.org (secondary) |
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| New Mexico | Not recorded | Not recorded | Not recorded | Not recorded | Not read | Not reached |
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| New York | $75,000 to $150,000 by county (statute amount; a published adjusted figure may apply) | $4,000 (statute amount; a published adjusted figure may apply) | $5,000 in cash if no homestead is claimed (statute amount; a published adjusted figure may apply) | Yes | N.Y. CPLR 5206(a) (homestead $150,000 in Kings, Queens, New York, Bronx, Richmond, Nassau, Suffolk, Rockland, Westchester and Putnam; $125,000 in Dutchess, Albany, Columbia, Orange, Saratoga and Ulster; $75,000 elsewhere); Debtor and Creditor Law 282(1) (one motor vehicle $4,000; $10,000 if equipped for a disabled debtor); DCL 283(2) (cash up to the lesser of $5,000 or the unused part of the $10,000 personal property cap, if no CPLR 5206 homestead is claimed); DCL 285 (alternative federal exemptions) | nysenate.gov |
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| North Carolina | $35,000 | $3,500 | $5,000 | No | N.C.G.S. 1C-1601(a)(1) (residence $35,000; $60,000 for certain unmarried debtors 65 or older); (a)(2) (up to $5,000 of unused homestead in any property); (a)(3) (one motor vehicle $3,500); 1C-1601(f) (federal 522(d) exemptions not applicable) | ncleg.gov |
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| North Dakota | $150,000 | $10,000 | $3,750 single; $7,500 head of family | No | N.D.C.C. 47-18-01 (homestead $150,000 over liens); 28-22-03.1(2) (one motor vehicle $10,000); 28-22-05 (unmarried person without dependents, any personal property $3,750); 28-22-03 (head of family, any personal property $7,500); 28-22-03.1(1) ($25,000 in lieu of homestead); 28-22-17 (federal exemptions not available) | ndlegis.gov |
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| Ohio | $182,625 (secondary source; not confirmed in the statute) | $5,025 (secondary source; not confirmed in the statute) | $1,675 (secondary source; not confirmed in the statute) | No | Ohio Rev. Code 2329.66(A)(1)(b) (residence, statutory base $125,000); (A)(2) (one motor vehicle, base $3,225); (A)(18) (any property in bankruptcy, base $1,075); 2329.66(B) (Ohio Judicial Conference adjusts every third April 1 by CPI); 2329.662 (federal 522(d) exemptions not authorized) | codes.ohio.gov |
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| Oklahoma | No dollar cap; land area limited | $7,500 | Not recorded | No | 31 O.S. 1(A)(1) (home exempt) and 31 O.S. 2(A), (C) (160 acres outside a city or town; 1 acre inside; $5,000 cap if more than 25 percent of the improvements are used for business); 31 O.S. 1(A)(13) (one motor vehicle $7,500); 31 O.S. 1(B) (federal 522(d) exemptions not available) | oklegislature.gov |
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| Oregon | $150,000 plus annual CPI adjustment (statutory base; the current adjusted figure may be higher; ORS 18.395) | $10,000 | $400 | Yes | ORS 18.395(1)(a) (homestead $150,000; $300,000 combined for two or more people in the household) and (1)(d) (State Court Administrator indexes yearly by July 1); ORS 18.345(1)(d) (vehicle $10,000); 18.345(1)(p) (any personal property $400); ORS 18.300 (resident may use the federal 522(d) list or the state list, not both) | oregonlegislature.gov |
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| Pennsylvania | None | None | $300 | Yes (no opt-out in the exemption sections read) | 42 Pa.C.S. 8123(a) (general monetary exemption: any property to the value of $300); 42 Pa.C.S. 8124 (particular property: apparel, bibles and school books, sewing machines, uniforms, retirement funds, insurance; no residence or motor-vehicle item); no opt-out in 8123 or 8124 | palegis.us |
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| Rhode Island | $500,000 | $12,000 | $6,500 | Yes (no opt-out in the exemption sections read) | R.I.G.L. 9-26-4.1 (homestead $500,000); 9-26-4(13) (motor vehicles $12,000 aggregate); 9-26-4(16) (additional $6,500 in any assets, bankruptcy only); no opt-out in 9-26-4 | webserver.rilegislature.gov |
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| South Carolina | $80,125 | $8,000 | $8,000 | No | S.C. Code 15-41-30(A)(1)(a) (residence; $50,000 base, $100,000 per living unit), (A)(2) (one motor vehicle, $5,000 base), (A)(7) (any property, up to $5,000 base of unused amounts from items 1 to 6), (B) (adjusted every even-numbered July 1); amounts effective 2026-07-01 from the Revenue and Fiscal Affairs Office notice, State Register Vol. 50 Issue 2 (2026-02-27); 15-41-35 (federal 522(d) exemptions not available) | scstatehouse.gov |
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| South Dakota | No dollar cap; land area limited | Not recorded | $5,000 single; $7,000 head of family | No | SDCL 43-45-3(1) and 43-31-1 (homestead absolutely exempt); 43-31-4 (area: 1 acre in a town plat, 160 acres outside); 43-45-3(2) (sale proceeds $100,000 for one year; $170,000 limit for owners 70 or older or their unremarried surviving spouse); 43-45-4 (any personal property $7,000 head of family, $5,000 otherwise); 43-31-30 (federal 522(d) exemptions not available) | sdlegislature.gov |
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| Tennessee | $52,500 (secondary source; not confirmed in the statute) | Not recorded | $10,000 (secondary source; not confirmed in the statute) | No (secondary source; not confirmed in the statute) | Tenn. Code 26-2-301 (homestead); 26-2-103 (personal property $10,000) | upsolve.org (secondary) |
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| Texas | No dollar cap; land area limited | One vehicle per licensed driver in the household | None | Yes (no opt-out in the exemption sections read) | Tex. Prop. Code 41.001(a) (homestead exempt from seizure) and 41.002 (urban: 10 acres; rural: 200 acres for a family, 100 acres for a single adult); 42.001(a) (personal property cap $100,000 family, $50,000 single adult); 42.002(a)(9) (one motor vehicle per person in the family or single adult who holds a driver's license or relies on another to drive); no opt-out in chapters 41 or 42 | tcss.legis.texas.gov |
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| Utah | $42,000 plus annual CPI adjustment (statutory base; the current adjusted figure may be higher; Utah Code 78B-5-503) | $3,000 | None | No | Utah Code 78B-5-503(2)(a)(ii) and (b)(ii) (primary residence $42,000; $84,000 per household for joint owners; $5,000 or $10,000 for other property), 503(2)(e) (state auditor recalculates each year from 2020 and publishes by January 1); 78B-5-506(3)(b) (one motor vehicle $3,000); 78B-5-513 (federal 522(d) exemptions not available to residents) | le.utah.gov |
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| Vermont | $125,000 | $2,500 | $400 | Yes (no opt-out in the exemption sections read) | 27 V.S.A. 101 (homestead $125,000); 12 V.S.A. 2740(1) (motor vehicles $2,500 aggregate); 2740(7) ($400 in any property plus up to $7,000 of unused amounts); no opt-out in 12 V.S.A. 2740 | legislature.vermont.gov |
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| Virginia | $50,000 | $10,000 | $5,000 | No | Va. Code 34-4 (principal residence $50,000; any property $5,000, $10,000 if 65 or older; $500 per dependent; adjusted every three years from 2027-04-01); 34-26(8) (motor vehicles $10,000 total); 34-3.1 (federal 522(d) exemptions not available) | law.lis.virginia.gov |
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| Washington | Greater of $125,000 or the county median home sale price | $15,000 | $10,000 | Yes (no opt-out in the exemption sections read) | RCW 6.13.030(1) (homestead: greater of $125,000 or county median single-family sale price); RCW 6.15.010(1)(d)(iv) (motor vehicle $15,000); 6.15.010(1)(d)(ii) (in a bankruptcy case, other personal property $10,000); no opt-out in RCW 6.15.010 | app.leg.wa.gov |
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| West Virginia | $35,000 | $7,500 | $800 | Yes | W. Va. Code 38-10-4(a) (residence $35,000); (b) (one motor vehicle $7,500); (e) ($800 plus unused residence amount in any property); 38-10-4(k) (debtor may exempt the 11 U.S.C. 522(d) property) | code.wvlegislature.gov |
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| Wisconsin | $75,000 | $4,000 | Not recorded | Yes (no opt-out in the exemption sections read) | Wis. Stat. 815.20(1) (homestead $75,000; each spouse may claim up to $75,000); 815.18(3)(g) (motor vehicles $4,000 aggregate plus unused 815.18(3)(d) amount); 815.18(3)(d) (consumer goods $12,000); no opt-out in 815.18 or 815.20 | docs.legis.wisconsin.gov |
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| Wyoming | $100,000 | $5,000 | Not recorded | No | W.S. 1-20-101 (homestead $100,000); 1-20-106(a)(iv) (motor vehicle $5,000); 1-20-109 (federal 522(d) exemptions not authorized for debtors domiciled in Wyoming for the prior 180 days) | wyoleg.gov |
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