The means test in Georgia: median income

Check your income against the Georgia median, and see what the second step and Chapter 13 involve.

Checked against official sources: October 25, 2026.

Short answer

Official medians for Georgia from the U.S. Trustee Program. Below the median for your household size means you pass the first step.

1 person
$68,478
2 people
$84,965
3 people
$101,479
4 people
$123,481
Each extra person
+$11,100
Medians apply to cases filed on or after
April 1, 2026

Georgia median income check

Official Form 122A-1 compares your household's yearly income with the median income in Georgia. Here are the official medians:

  • 1 person$68,478
  • 2 people$84,965
  • 3 people$101,479
  • 4 people$123,481
  • 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

The numbers are worked out in your browser. Nothing you enter here is saved or sent.

Before taxes. Add up all income for the last 6 months and divide by 6.

Enter your household size and income

The bankruptcy courts in Georgia

You file in the district where you lived (your domicile) for most of the last 180 days. Georgia has three districts. Find your division by county: Northern District division pages at https://www.ganb.uscourts.gov/court/locations, Middle District county list at https://www.gamb.uscourts.gov/USCourts/counties, Southern District map on https://www.gasb.uscourts.gov/.

Law: 28 U.S.C. 1408

U.S. Bankruptcy Court for the Northern District of Georgia

Divisions: Atlanta, Gainesville, Newnan, Rome

Clerk's phone: (404) 215-1000

Court's self-help page

U.S. Bankruptcy Court for the Middle District of Georgia

Divisions: Filing locations: Macon, Albany, Athens, Columbus, Valdosta

Clerk's phone: Macon 478-752-3506; Columbus 706-649-7837

Court's self-help page

U.S. Bankruptcy Court for the Southern District of Georgia

Divisions: Augusta, Brunswick, Dublin, Savannah, Statesboro, Waycross

Clerk's phone: Augusta (706) 823-6000; Savannah (912) 650-4100; Brunswick (912) 280-1376

Court's self-help page

Exemptions in Georgia at a glance

In Georgia you use state exemptions only (exemptions are the property the law lets you keep).

Home (homestead): $50,000 of your interest in real or personal property that you or a dependent use as a residence, or in a burial plot.

Car or other vehicle: $5,000 total in all motor vehicles (per debtor)

Wildcard (any property): $1,200 in any property, plus up to $10,000 of any unused homestead exemption.

Exemptions in Georgia

In nearby states

  • South Carolina: 1 person $64,808 · 2 people $83,761 · 3 people $95,672 · 4 people $116,314
  • Alabama: 1 person $64,321 · 2 people $77,451 · 3 people $92,698 · 4 people $106,740
  • Tennessee: 1 person $63,979 · 2 people $82,846 · 3 people $97,511 · 4 people $109,585
  • Florida: 1 person $69,876 · 2 people $86,523 · 3 people $97,540 · 4 people $114,761
  • North Carolina: 1 person $67,117 · 2 people $84,384 · 3 people $101,535 · 4 people $116,737
  • Kentucky: 1 person $61,652 · 2 people $73,892 · 3 people $85,212 · 4 people $109,443

Steps for the means test in Georgia

  1. Gather your income

    Use pay stubs and benefit letters for the 6 full months before you file.

  2. Start with Form 122A-1

    Your income is figured on Official Form 122A-1.

  3. If you are above the median

    The second step subtracts allowed expenses on Official Form 122A-2.

  4. Find your court

    The forms are filed with Northern District, Middle District and Southern District.

Where to get free help in Georgia

Questions about the means test in Georgia

What is the homestead exemption in Georgia?

$50,000 of your interest in real or personal property that you or a dependent use as a residence (including a co-op or mobile home), or in a burial plot

How do I find my bankruptcy court in Georgia?

You file in the district where you lived (your domicile) for most of the last 180 days. Georgia has three districts. Find your division by county: Northern District division pages at https://www.ganb.uscourts.gov/court/locations, Middle District county list at https://www.gamb.uscourts.gov/USCourts/counties, Southern District map on https://www.gasb.uscourts.gov/.

What are the Georgia means test numbers?

For cases filed on or after April 1, 2026: 1 person: $68,478; 2 people: $84,965; 3 people: $101,479; 4 people: $123,481; Each extra person: +$11,100.

Where can I get free help with bankruptcy in Georgia?

Atlanta Legal Aid Society (metro Atlanta), Georgia Legal Services Program (outside metro Atlanta) and GeorgiaLegalAid.org (statewide legal information and help finder).

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