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Texas Bankruptcy Means Test Calculator

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Texas Means Test Calcluator

Enter Your Zip Code  

Texas Median Income Standards for Means Test
for Cases Filed On or After November 1, 2019

Standard applied based on petition date.
Number of Persons in HouseholdMonthly Median IncomeAnnual Median Income
14,16649,996
25,47665,708
36,05372,632
47,06084,724
57,81093,724
68,560102,724
79,310111,724
810,060120,724
910,810129,724
1011,560138,724

or . . .

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Harris County Bankruptcy Means Test [TXS] (Houston)

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Montgomery County Bankruptcy Means Test [TXS] (Conroe)

Williamson County Bankruptcy Means Test [TXW] (Georgetown)

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Brazoria County Bankruptcy Means Test [TXS] (Angleton)

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Lubbock County Bankruptcy Means Test [TXN] (Lubbock)

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Webb County Bankruptcy Means Test [TXS] (Laredo)

McLennan County Bankruptcy Means Test [TXW] (Waco)

Smith County Bankruptcy Means Test [TXE] (Tyler)

Brazos County Bankruptcy Means Test [TXS] (Bryan)

Hays County Bankruptcy Means Test [TXW] (San Marcos)

Johnson County Bankruptcy Means Test [TXN] (Cleburne)

Ellis County Bankruptcy Means Test [TXN] (Waxahachie)

Ector County Bankruptcy Means Test [TXW] (Odessa)

Midland County Bankruptcy Means Test [TXW] (Midland)

Guadalupe County Bankruptcy Means Test [TXW] (Seguin)

Taylor County Bankruptcy Means Test [TXN] (Abilene)

Wichita County Bankruptcy Means Test [TXN] (Wichita Falls)

Gregg County Bankruptcy Means Test [TXE] (Longview)

Potter County Bankruptcy Means Test [TXN] (Amarillo)

Grayson County Bankruptcy Means Test [TXE] (Sherman)

Randall County Bankruptcy Means Test [TXN] (Canyon)

Parker County Bankruptcy Means Test [TXN] (Weatherford)

Tom Green County Bankruptcy Means Test [TXN] (San Angelo)

Comal County Bankruptcy Means Test [TXW] (New Braunfels)

Kaufman County Bankruptcy Means Test [TXN] (Kaufman)

Bowie County Bankruptcy Means Test [TXE] (New Boston)

Victoria County Bankruptcy Means Test [TXS] (Victoria)

Angelina County Bankruptcy Means Test [TXE] (Lufkin)

Hunt County Bankruptcy Means Test [TXN] (Greenville)

Orange County Bankruptcy Means Test [TXE] (Orange)

Henderson County Bankruptcy Means Test [TXE] (Athens)

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Coryell County Bankruptcy Means Test [TXW] (Gatesville)

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Polk County Bankruptcy Means Test [TXE] (Livingston)

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Wilson County Bankruptcy Means Test [TXW] (Floresville)

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Wood County Bankruptcy Means Test [TXE] (Quitman)

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Jim Wells County Bankruptcy Means Test [TXS] (Alice)

Upshur County Bankruptcy Means Test [TXE] (Gilmer)

Cooke County Bankruptcy Means Test [TXE] (Gainesville)

Brown County Bankruptcy Means Test [TXN] (Brownwood)

Caldwell County Bankruptcy Means Test [TXW] (Lockhart)

Erath County Bankruptcy Means Test [TXN] (Stephenville)

Matagorda County Bankruptcy Means Test [TXS] (Bay City)

Hale County Bankruptcy Means Test [TXN] (Plainview)

Jasper County Bankruptcy Means Test [TXE] (Jasper)

Hopkins County Bankruptcy Means Test [TXE] (Sulphur Springs)

Chambers County Bankruptcy Means Test [TXS] (Anahuac)

Hill County Bankruptcy Means Test [TXW] (Hillsboro)

Howard County Bankruptcy Means Test [TXN] (Big Spring)

Fannin County Bankruptcy Means Test [TXE] (Bonham)

Washington County Bankruptcy Means Test [TXW] (Brenham)

Kendall County Bankruptcy Means Test [TXW] (Boerne)

Titus County Bankruptcy Means Test [TXE] (Mount Pleasant)

Kleberg County Bankruptcy Means Test [TXS] (Kingsville)

Bee County Bankruptcy Means Test [TXS] (Beeville)

Cass County Bankruptcy Means Test [TXE] (Linden)

Austin County Bankruptcy Means Test [TXS] (Bellville)

Palo Pinto County Bankruptcy Means Test [TXN] (Palo Pinto)

Grimes County Bankruptcy Means Test [TXS] (Anderson)

Uvalde County Bankruptcy Means Test [TXW] (Uvalde)

San Jacinto County Bankruptcy Means Test [TXS] (Coldspring)

Shelby County Bankruptcy Means Test [TXE] (Center)

Gillespie County Bankruptcy Means Test [TXW] (Fredericksburg)

Milam County Bankruptcy Means Test [TXW] (Cameron)

Fayette County Bankruptcy Means Test [TXS] (La Grange)

Panola County Bankruptcy Means Test [TXE] (Carthage)

Houston County Bankruptcy Means Test [TXE] (Crockett)

Limestone County Bankruptcy Means Test [TXW] (Groesbeck)

Aransas County Bankruptcy Means Test [TXS] (Rockport)

Hockley County Bankruptcy Means Test [TXN] (Levelland)

Gray County Bankruptcy Means Test [TXN] (Pampa)

Hutchinson County Bankruptcy Means Test [TXN] (Stinnett)

Willacy County Bankruptcy Means Test [TXS] (Raymondville)

Moore County Bankruptcy Means Test [TXN] (Dumas)

Tyler County Bankruptcy Means Test [TXE] (Woodville)

Calhoun County Bankruptcy Means Test [TXS] (Port Lavaca)

Colorado County Bankruptcy Means Test [TXS] (Columbus)

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Jones County Bankruptcy Means Test [TXN] (Anson)

De Witt County Bankruptcy Means Test [TXS] (Cuero)

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Young County Bankruptcy Means Test [TXN] (Graham)

Bosque County Bankruptcy Means Test [TXW] (Meridian)

Falls County Bankruptcy Means Test [TXW] (Marlin)

Gaines County Bankruptcy Means Test [TXN] (Seminole)

Frio County Bankruptcy Means Test [TXW] (Pearsall)

Burleson County Bankruptcy Means Test [TXW] (Caldwell)

Scurry County Bankruptcy Means Test [TXN] (Snyder)

Leon County Bankruptcy Means Test [TXW] (Centerville)

Robertson County Bankruptcy Means Test [TXW] (Franklin)

Lee County Bankruptcy Means Test [TXW] (Giddings)

Pecos County Bankruptcy Means Test [TXW] (Fort Stockton)

Nolan County Bankruptcy Means Test [TXN] (Sweetwater)

Karnes County Bankruptcy Means Test [TXW] (Karnes City)

Andrews County Bankruptcy Means Test [TXW] (Andrews)

Trinity County Bankruptcy Means Test [TXE] (Groveton)

Newton County Bankruptcy Means Test [TXE] (Newton)

Jackson County Bankruptcy Means Test [TXS] (Edna)

Zapata County Bankruptcy Means Test [TXS] (Zapata)

Lamb County Bankruptcy Means Test [TXN] (Littlefield)

Comanche County Bankruptcy Means Test [TXN] (Comanche)

Dawson County Bankruptcy Means Test [TXN] (Lamesa)

Reeves County Bankruptcy Means Test [TXW] (Pecos)

Madison County Bankruptcy Means Test [TXS] (Madisonville)

Callahan County Bankruptcy Means Test [TXN] (Baird)

Wilbarger County Bankruptcy Means Test [TXN] (Vernon)

Morris County Bankruptcy Means Test [TXE] (Daingerfield)

Red River County Bankruptcy Means Test [TXE] (Clarksville)

Terry County Bankruptcy Means Test [TXN] (Brownfield)

Camp County Bankruptcy Means Test [TXE] (Pittsburg)

Duval County Bankruptcy Means Test [TXS] (San Diego)

Zavala County Bankruptcy Means Test [TXW] (Crystal City)

Live Oak County Bankruptcy Means Test [TXS] (George West)

Rains County Bankruptcy Means Test [TXE] (Emory)

Sabine County Bankruptcy Means Test [TXE] (Hemphill)

Clay County Bankruptcy Means Test [TXN] (Henrietta)

Ward County Bankruptcy Means Test [TXW] (Monahans)

Franklin County Bankruptcy Means Test [TXE] (Mount Vernon)

Marion County Bankruptcy Means Test [TXE] (Jefferson)

Runnels County Bankruptcy Means Test [TXN] (Ballinger)

Blanco County Bankruptcy Means Test [TXW] (Johnson City)

Parmer County Bankruptcy Means Test [TXN] (Farwell)

Ochiltree County Bankruptcy Means Test [TXN] (Perryton)

Dimmit County Bankruptcy Means Test [TXW] (Carrizo Springs)

Stephens County Bankruptcy Means Test [TXN] (Breckenridge)

Mitchell County Bankruptcy Means Test [TXN] (Colorado City)

Brewster County Bankruptcy Means Test [TXW] (Alpine)

Archer County Bankruptcy Means Test [TXN] (Archer City)

Jack County Bankruptcy Means Test [TXN] (Jacksboro)

Coleman County Bankruptcy Means Test [TXN] (Coleman)

San Augustine County Bankruptcy Means Test [TXE] (San Augustine)

Hamilton County Bankruptcy Means Test [TXW] (Hamilton)

Somervell County Bankruptcy Means Test [TXW] (Glen Rose)

McCulloch County Bankruptcy Means Test [TXW] (Brady)

Castro County Bankruptcy Means Test [TXN] (Dimmitt)

Yoakum County Bankruptcy Means Test [TXN] (Plains)

Swisher County Bankruptcy Means Test [TXN] (Tulia)

Presidio County Bankruptcy Means Test [TXW] (Marfa)

Refugio County Bankruptcy Means Test [TXS] (Refugio)

Brooks County Bankruptcy Means Test [TXS] (Falfurrias)

Goliad County Bankruptcy Means Test [TXS] (Goliad)

Bailey County Bankruptcy Means Test [TXN] (Muleshoe)

Winkler County Bankruptcy Means Test [TXW] (Kermit)

Childress County Bankruptcy Means Test [TXN] (Childress)

La Salle County Bankruptcy Means Test [TXS] (Cotulla)

Dallam County Bankruptcy Means Test [TXN] (Dalhart)

Garza County Bankruptcy Means Test [TXN] (Post)

Floyd County Bankruptcy Means Test [TXN] (Floydada)

Carson County Bankruptcy Means Test [TXN] (Panhandle)

San Saba County Bankruptcy Means Test [TXW] (San Saba)

Hartley County Bankruptcy Means Test [TXN] (Channing)

Crosby County Bankruptcy Means Test [TXN] (Crosbyton)

Lynn County Bankruptcy Means Test [TXN] (Tahoka)

Haskell County Bankruptcy Means Test [TXN] (Haskell)

Hansford County Bankruptcy Means Test [TXN] (Spearman)

Wheeler County Bankruptcy Means Test [TXN] (Wheeler)

Jim Hogg County Bankruptcy Means Test [TXS] (Hebbronville)

Delta County Bankruptcy Means Test [TXE] (Cooper)

Mills County Bankruptcy Means Test [TXN] (Goldthwaite)

Martin County Bankruptcy Means Test [TXW] (Stanton)

Kimble County Bankruptcy Means Test [TXW] (Junction)

Crane County Bankruptcy Means Test [TXW] (Crane)

Hardeman County Bankruptcy Means Test [TXN] (Quanah)

Sutton County Bankruptcy Means Test [TXN] (Sonora)

Concho County Bankruptcy Means Test [TXN] (Paint Rock)

Mason County Bankruptcy Means Test [TXW] (Mason)

Fisher County Bankruptcy Means Test [TXN] (Roby)

Hemphill County Bankruptcy Means Test [TXN] (Canadian)

Baylor County Bankruptcy Means Test [TXN] (Seymour)

Crockett County Bankruptcy Means Test [TXN] (Ozona)

Knox County Bankruptcy Means Test [TXN] (Benjamin)

Donley County Bankruptcy Means Test [TXN] (Clarendon)

Kinney County Bankruptcy Means Test [TXW] (Brackettville)

Hudspeth County Bankruptcy Means Test [TXW] (Sierra Blanca)

Schleicher County Bankruptcy Means Test [TXN] (Eldorado)

Shackelford County Bankruptcy Means Test [TXN] (Albany)

Reagan County Bankruptcy Means Test [TXN] (Big Lake)

Upton County Bankruptcy Means Test [TXW] (Rankin)

Hall County Bankruptcy Means Test [TXN] (Memphis)

Coke County Bankruptcy Means Test [TXN] (Robert Lee)

Real County Bankruptcy Means Test [TXW] (Leakey)

Lipscomb County Bankruptcy Means Test [TXN] (Lipscomb)

Cochran County Bankruptcy Means Test [TXN] (Morton)

Collingsworth County Bankruptcy Means Test [TXN] (Wellington)

Sherman County Bankruptcy Means Test [TXN] (Stratford)

Dickens County Bankruptcy Means Test [TXN] (Dickens)

Culberson County Bankruptcy Means Test [TXW] (Van Horn)

Jeff Davis County Bankruptcy Means Test [TXW] (Fort Davis)

Menard County Bankruptcy Means Test [TXN] (Menard)

Oldham County Bankruptcy Means Test [TXN] (Vega)

Edwards County Bankruptcy Means Test [TXW] (Rocksprings)

Armstrong County Bankruptcy Means Test [TXN] (Claude)

Throckmorton County Bankruptcy Means Test [TXN] (Throckmorton)

Briscoe County Bankruptcy Means Test [TXN] (Silverton)

Irion County Bankruptcy Means Test [TXN] (Mertzon)

Cottle County Bankruptcy Means Test [TXN] (Paducah)

Stonewall County Bankruptcy Means Test [TXN] (Aspermont)

Foard County Bankruptcy Means Test [TXN] (Crowell)

Glasscock County Bankruptcy Means Test [TXN] (Garden City)

Motley County Bankruptcy Means Test [TXN] (Matador)

Sterling County Bankruptcy Means Test [TXN] (Sterling City)

Terrell County Bankruptcy Means Test [TXW] (Sanderson)

Roberts County Bankruptcy Means Test [TXN] (Miami)

Kent County Bankruptcy Means Test [TXN] (Jayton)

McMullen County Bankruptcy Means Test [TXS] (Tilden)

Borden County Bankruptcy Means Test [TXN] (Gail)

Kenedy County Bankruptcy Means Test [TXS] (Sarita)

King County Bankruptcy Means Test [TXN] (Guthrie)

Loving County Bankruptcy Means Test [TXW] (Mentone)


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Texas Bankruptcy Resources

Bankruptcy Calculators for Other States:

If you don't know your zip code, look for your city, or click on your state if you don't see your city.

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Welcome, Texas users of Nolo's

How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of Texas exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using Texas exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."
-Forbes

"Exceptionally clear…"
-The New York Times

"A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
-Newsweek


Press Reviews

"Exceptionally clear."
The New York Times
"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
Newsweek
"An in-depth guide to filing under Chapter 7, including state-by-state and federal exemptions as well as forms for do-it-yourself filers."
Kiplinger’s Personal Finance Magazine
"Can help you decide if bankruptcy is the right option for you."
Detroit News
"A valuable, easy-to-understand workbook."
Los Angeles Times
"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
Forbes
"The best [bankruptcy books] I know are published by Nolo."
Harry S. Gross, host of
“Speaking of Your Money”
"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
Accounting Today

Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
Danielle A.,
Richmond, VA
Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Filing Chapter 13 bankruptcy lets you cut down debts and keep valuable assets.

If you're considering Chapter 13 bankruptcy, which lets you wipe out some of your debt and pay back the rest over time, use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes new information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the atest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo's Bankruptcy for Small Business Owners.

"An excellent book that can guide you through the process."
-Forbes

"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
-Attorney Gary Klein, Coauthor of Consumer Bankruptcy Law and Practice

"An excellent resource …"
-Consumers Digest


Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

 

The New Bankruptcy

The New Bankruptcy

If you're feeling overwhelmed by debt, you may be considering bankruptcy. But is filing bankruptcy the right solution for you and your family? Find out with this plain-English book.

The New Bankruptcy provides the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy can help solve your debt problems. Find out:

  • the differences between Chapter 7 and Chapter 13 bankruptcy
  • whether or not you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • whether you'll be able to keep cars and other assets
  • how bankruptcy affects your credit score
  • other ways to handle your debt problems

The latest edition of The New Bankruptcy includes updated lists of assets you can keep (exemptions) when you file bankruptcy, plus the latest rules handed down by the Supreme Court as it interprets the federal bankruptcy law. You'll also get worksheets to help you determine whether you can file for bankruptcy, helpful checklists, and easy-to-understand information for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today


More Texas info from LegalConsumer.com