Exención de vivienda por estado
Cuánto valor de su vivienda le permite conservar cada estado en la bancarrota, y si puede usar la lista federal.
Las cantidades son las que dice la ley de cada estado. Muchas tienen condiciones; la página del estado tiene la regla completa y la ley.
| Estado | Sistema de exenciones | Vivienda (homestead) |
|---|---|---|
Solo exenciones estatales | $18,800 of home value per owner, on up to 160 acres. | |
Solo exenciones estatales | $72,900 in your principal residence. | |
Solo exenciones estatales | $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). | |
Estatales o federales, a su elección | only if you are married or the head of a family — Rural home: up to 160 acres worth up to $2,500, but never less than 80 acres regardless of value. | |
Solo exenciones estatales | 704 system: the greater of $300,000 or the countywide median sale price for a single-family home in the calendar year before you claim the exemption, up to $600,000. | |
Solo exenciones estatales | $35,000 in equity in real or personal property that you or a dependent use as a residence (including a co-op or a mobile home) or in a burial plot. | |
Solo exenciones estatales | $80,125 per debtor in your home (or a co-op or a burial plot for you or a dependent). | |
Solo exenciones estatales | $250,000 of equity in your home; $350,000 if the home is occupied by an owner, owner's spouse, or owner's dependent who is elderly or disabled. | |
Estatales o federales, a su elección | $250,000 of equity in your homestead (owner-occupied home, co-op or mobile manufactured home used as your primary residence), per person claiming it. | |
Solo exenciones estatales | $150,000 in equity in the land you live on and your house, including improvements; the land must be one tract or contiguous tracts. | |
Solo exenciones estatales | no dollar limit on the value of the home itself. | |
Solo exenciones estatales | $200,000 of equity in your principal residence (a house, other real property, or a manufactured home you live in). | |
Estatales o federales, a su elección | unlimited: your whole interest in real property you use as your residence, or in a cooperative that owns property you or a dependent use as a residence. | |
Solo exenciones estatales | unlimited dollar value. | |
Solo exenciones estatales | $50,000 of your interest in real or personal property that you or a dependent use as a residence, or in a burial plot. | |
Estatales o federales, a su elección | $30,000 of equity if you are a head of a family (this includes a married couple) or age 65 or older; $20,000 for anyone else. | |
Solo exenciones estatales | $175,000 of net value (market value minus liens) in your homestead, with no limit on land area. | |
Solo exenciones estatales | $50,000 per person in a home you own or lease and live in (house and land, condominium, mobile home or co-op). | |
Solo exenciones estatales | $22,750 in the home (real estate or personal property such as a mobile home) that you or a dependent live in. | |
Solo exenciones estatales | unlimited value — up to 1/2 acre inside a city plat, or up to 40 acres elsewhere. | |
Solo exenciones estatales | unlimited value. | |
Estatales o federales, a su elección | $5,000 in real or personal property that you or a dependent use as a permanent home in Kentucky, or in a burial plot. | |
Solo exenciones estatales | $35,000 in value of the home you own and live in, with the land and buildings: up to 5 acres inside a municipality or up to 200 acres outside one. | |
Solo exenciones estatales | $94,300 in your home (or co-op, or a burial plot). | |
Solo exenciones estatales | your equity in the owner-occupied home you live in, up to the same dollar amount as the federal homestead exemption in 11 U.S.C. 522(d)(1), as adjusted. | |
Estatales o federales, a su elección | automatic homestead: $125,000 with no paperwork. | |
Estatales o federales, a su elección | $51,150 in equity, or $76,725 if you or a dependent is 65 or older or disabled (cases filed on or after April 1, 2026). | |
Estatales o federales, a su elección | $540,000 in equity, or $1,350,000 if the homestead is used mainly for farming (amounts effective July 1, 2026). | |
Solo exenciones estatales | $75,000 in equity in the land and buildings you own and live in, on up to 160 acres. | |
Solo exenciones estatales | $15,000 in your home and the land used with it. | |
Solo exenciones estatales | $350,000 in 2021, increased by 4% every calendar year after 2021. | |
Solo exenciones estatales | $120,000 in value. | |
Solo exenciones estatales | $605,000 of equity in your home. | |
Estatales o federales, a su elección | none — New Jersey state law has no homestead exemption for the equity in your home. | |
Estatales o federales, a su elección | depends on the county where the home is: de $102,400 a $204,825. | |
Nuevo Hampshire Todavía no cubierto: tribunal de bancarrotas · LawHelp.org | Todavía no cubierto | |
Estatales o federales, a su elección | $150,000 in your primary residence. | |
Solo exenciones estatales | $182,625 in equity in one parcel or item of real or personal property that you or a dependent use as a residence (a house, condo or mobile home). | |
Solo exenciones estatales | unlimited in value — in a city or town: up to 1 acre that you own and live in as your principal residence. | |
Estatales o federales, a su elección | $158,300 in equity for one debtor; $316,700 combined when two or more members of the same household are debtors. | |
Estatales o federales, a su elección | none — Pennsylvania law has no homestead exemption. | |
Estatales o federales, a su elección | $500,000 in the home that you live in or intend to live in as your principal residence. | |
Solo exenciones estatales | $35,000 in real property you own and that you, your spouse or a dependent use as your principal residence. | |
Estatales o federales, a su elección | no dollar limit. | |
Solo exenciones estatales | 2026: up to $53,700 per person in your primary personal residence (a house or mobile home plus up to 1 acre of land around it). | |
Estatales o federales, a su elección | up to $125,000 in value: your home, outbuildings and the land used with it, that you own and use or keep as your homestead. | |
Solo exenciones estatales | up to $50,000 in real or personal property used as the principal residence of you or your dependents. | |
Estatales o federales, a su elección | up to $35,000 in real or personal property that you or a dependent uses as a residence, or in a burial plot for you or a dependent. | |
Estatales o federales, a su elección | the greater of $125,000 or the county median sale price of a single-family home in the previous calendar year. | |
Estatales o federales, a su elección | up to $75,000 per person in your home and the land reasonably needed for it: at least 0.25 acre if available, up to 40 acres. | |
Solo exenciones estatales | up to $100,000 in value, per person. |
Vea también las exenciones del auto, los artículos del hogar y la comodín.
Exenciones por estado