Since Jan 1. 2021, the California's Homestead Amount Depends on the County You Live In

2022 California Exemption Calculator California Homestead Exemption

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Last Reviewed: Wed, May 4, 2022

California residents saw a more generous homestead exemption, as of January 1, 2021, when the standard Homestead exemption increased from $75,000 to a range from $300,000 to  $600,000 depending on your county.  California exemption amouts are adjusted every three years for inflation on April 1, so that amount as of April 1, 2022 is $313,000 to  $626,000 depending on your county.

LegalConsumer.com has added a California Exemption Calculator to help you quickly find what the exemption amount is in your county.

The new law states that the homestead exemption amount is based on:

  • the median county-wide sale price for a home
  • in the previous calendar year
  • But not less than $300,000
  • and not more than $600,000.

The California Homestead calculator shows you the 2021 overall median sales price for every county in California county based on available numbers from the California Realtors Association. The numbers you see in the calculator are based on the 12 month average of monthly median numbers for January 2021 through December 2021. 

State/Region/County

Feb.

2021

Exemption Amt

San Francisco Bay Area

 

 

Alameda

$1,100,000

$626,000

Contra Costa

$817,500

$626,000

Marin

$1,540,000

$626,000

Napa

$931,500

$626,000

San Francisco

$1,786,400

$626,000

San Mateo

$1,900,000

$626,000

Santa Clara

$1,486,250

$626,000

Solano

$509,750

$509,750

Sonoma

$740,000

$626,000

Southern California

 

 

Los Angeles

$686,760

$626,000

Orange

$995,000

$626,000

Riverside

$519,500

$519,500

San Bernardino

$389,900

$389,900

San Diego

$765,000

$626,000

Ventura

$750,000

$626,000

Central Coast

 

 

Monterey

$820,000

$626,000

San Luis Obispo

$700,000

$626,000

Santa Barbara

$1,174,080

$626,000

Santa Cruz

$1,058,000

$626,000

Central Valley

 

 

Fresno

$350,000

$350,000

Glenn

$319,500

$319,500

Kern

$295,000

$313,000

Kings

$280,000

$313,000

Madera

$354,500

$354,500

Merced

$318,750

$318,750

Placer

$599,500

$599,500

Sacramento

$463,000

$463,000

San Benito

$700,000

$626,000

San Joaquin

$436,300

$436,300

Stanislaus

$405,000

$405,000

Tulare

$288,500

$313,000

Far North

 

 

Butte

$397,000

$397,000

Lassen

$208,250

$313,000

Plumas

$329,500

$329,500

Shasta

$329,950

$329,950

Siskiyou

$322,500

$322,500

Tehama

$299,000

$313,000

Other Calif. Counties

 

 

Amador

$406,280

$406,280

Calaveras

$441,500

$441,500

Del Norte

$359,000

$359,000

El Dorado

$577,500

$577,500

Humboldt

$360,000

$360,000

Lake

$326,500

$326,500

Mariposa

$397,500

$397,500

Mendocino

$525,000

$525,000

Mono

$1,435,000

$626,000

Nevada

$519,500

$519,500

Sutter

$395,000

$395,000

Tuolumne

$375,000

$375,000

Yolo

$520,000

$520,000

Yuba

$370,000

$370,000

Source: February home sales and price report - California Association of Realtors



Homestead Exemptions - State System

Homestead Exemption Under California Law

$300,000 to $600,000 depending on county, and median sale price for a home in prior calendar year.

2021 California Homestead Caclulator (by County)

Amount Joint amount

$313,000 to $626,000 depending on county

$313,000 to $626,000 depending on county

California Exemption System 1

California Exemption System 2

NOTE: Residency Requirement Caps Maximum Homestead at $189,050 if you've recently moved to a State that allows more than that

Under the 2005 bankruptcy law, you must be have lived in the state for at least 40 months (3 years + 4 months) before you can claim any homestead protection greater than $189,050. (If your state's exemption offers less than this amount, the law is irrelevant to you.) .

IF you are moving to another state, OR you moved to California within in the last two years, click here.

Federal Non-Bankruptcy Homestead Exemptions

These are exemptions under federal law, but and are NOT part of the bankruptcy code list of exemptions in 522(d), so states cannot "opt out" from these exemptions. These exemptions available in every State ONLY IF you are using the state exemptions. You cannot use these exemptions if you are using the federal bankruptcy exemption scheme under § 522(d)

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Homestead Exemptions - Federal System § 522(d)

Can California debtors use the Federal Bankruptcy exemptions instead of California exemptions?

No. Federal exemptions not available. Instead, California has two systems of exemptions, one of which closely mirrors the federal scheme. Cal. Civ. Proc. Code § 703.130 

The Federal Bankruptcy Exemptions under 11 U.S.C. § 522(d) are available to you if

  • you haven't lived in any state longer than 180 days for a while,
  • or
  • if your state allows the Federal exemptions as a choice.

 

Jurisdictional relevance: There are versions of this article for each State.
Selected State: California
What Will Happen to My House If I File For Bankruptcy in California?
 
Does California Recognize Tenancy by the Entirety?
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