The means test in Arizona: median income
The official median income for Arizona, a quick first-step check and what happens if your income is above it.
Checked against official sources: October 25, 2026.
Short answer
Official medians for Arizona from the U.S. Trustee Program. Below the median for your household size means you pass the first step.
- 1 person
- $73,935
- 2 people
- $89,027
- 3 people
- $104,965
- 4 people
- $121,174
- Each extra person
- +$11,100
- Medians apply to cases filed on or after
- April 1, 2026
Check the first step in Arizona
Official Form 122A-1 compares your household's yearly income with the median income in Arizona. Here are the official medians:
- 1 person$73,935
- 2 people$89,027
- 3 people$104,965
- 4 people$121,174
- Each extra person+$11,100
Applies to cases filed on or after April 1, 2026. 1 = one earner; 2, 3, 4 = people in the household; add = amount added for each person over 4
Arizona bankruptcy courts and divisions
You file in the federal bankruptcy district where you lived (your domicile) for most of the 180 days before filing. Arizona is one district. The court has offices in Phoenix and Tucson and also hears cases in Yuma, Flagstaff and Bullhead City: https://www.azb.uscourts.gov/court-info/court-locations.
Law: 28 U.S.C. 1408
Divisions: Phoenix, Tucson (offices); Yuma, Flagstaff, Bullhead City (hearing locations)
Clerk's phone: 602-682-4000 or 800-556-9230
Arizona exemptions in brief
In Arizona you use state exemptions only (exemptions are the property the law lets you keep).
Home (homestead): $400,000 of equity as written in the law, adjusted every January 1 since 2024 for inflation (CPI-U, rounded up to the nearest $100).
Car or other vehicle: $15,000 of equity in one motor vehicle; $25,000 if you or your dependent has a physical disability. Adjusted every January 1 since 2024 for inflation (CPI-U, rounded up to the nearest $100).
In nearby states
- New Mexico: 1 person $66,235 · 2 people $79,574 · 3 people $88,041 · 4 people $98,602
- Utah: 1 person $87,898 · 2 people $95,757 · 3 people $112,751 · 4 people $131,741
- Nevada: 1 person $72,222 · 2 people $87,914 · 3 people $101,638 · 4 people $114,110
- Colorado: 1 person $87,940 · 2 people $109,497 · 3 people $130,850 · 4 people $153,501
- California: 1 person $79,253 · 2 people $102,797 · 3 people $116,541 · 4 people $139,071
- Wyoming: 1 person $71,745 · 2 people $91,502 · 3 people $98,476 · 4 people $110,297
Your next steps in Arizona
Gather your income
Use pay stubs and benefit letters for the 6 full months before you file.
Do the official first step
The court uses Official Form 122A-1.
When income is higher
You continue with Official Form 122A-2.
Where the forms go
The forms are filed with U.S. Bankruptcy Court for the District of Arizona.
Get help
Legal aid can help for free: Community Legal Services (central and western Arizona) and Southern Arizona Legal Aid.
Free legal help in Arizona
Questions about the means test in Arizona
Can I keep my house in bankruptcy in Arizona?
$400,000 of equity as written in the law, adjusted every January 1 since 2024 for inflation (CPI-U, rounded up to the nearest $100). No official table of the adjusted amount is published.
How do I find my bankruptcy court in Arizona?
You file in the federal bankruptcy district where you lived (your domicile) for most of the 180 days before filing. Arizona is one district. The court has offices in Phoenix and Tucson and also hears cases in Yuma, Flagstaff and Bullhead City: https://www.azb.uscourts.gov/court-info/court-locations.
What income passes the means test in Arizona?
For cases filed on or after April 1, 2026: 1 person: $73,935; 2 people: $89,027; 3 people: $104,965; 4 people: $121,174; Each extra person: +$11,100.
Who helps with bankruptcy for free in Arizona?
Community Legal Services (central and western Arizona), Southern Arizona Legal Aid and AZLawHelp.org.