Homestead exemption by state

$18,800 of home value per owner, on up to 160 acres.

$72,900 in your principal residence.

$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).

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.

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.

$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.

$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.

$200,000 of equity in your principal residence (a house, other real property, or a manufactured home you live in).

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.

unlimited dollar value.

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

$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.

$175,000 of net value (market value minus liens) in your homestead, with no limit on land area.

$50,000 per person in a home you own or lease and live in (house and land, condominium, mobile home or co-op).

$22,750 in the home (real estate or personal property such as a mobile home) that you or a dependent live in.

unlimited value — up to 1/2 acre inside a city plat, or up to 40 acres elsewhere.

unlimited value.

$5,000 in real or personal property that you or a dependent use as a permanent home in Kentucky, or in a burial plot.

$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.

$94,300 in your home (or co-op, or a burial plot).

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.

automatic homestead: $125,000 with no paperwork.

$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).

$540,000 in equity, or $1,350,000 if the homestead is used mainly for farming (amounts effective July 1, 2026).

$75,000 in equity in the land and buildings you own and live in, on up to 160 acres.

$15,000 in your home and the land used with it.

$350,000 in 2021, increased by 4% every calendar year after 2021.

$120,000 in value.

$605,000 of equity in your home.

New Hampshire
Not covered yet: bankruptcy court · LawHelp.org

none — New Jersey state law has no homestead exemption for the equity in your home.

$150,000 in your primary residence.

depends on the county where the home is: from $102,400 to $204,825.

$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.

$150,000 in equity in the land you live on and your house, including improvements; the land must be one tract or contiguous tracts.

$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).

unlimited in value — in a city or town: up to 1 acre that you own and live in as your principal residence.

$158,300 in equity for one debtor; $316,700 combined when two or more members of the same household are debtors.

none — Pennsylvania law has no homestead exemption.

$500,000 in the home that you live in or intend to live in as your principal residence.

$80,125 per debtor in your home (or a co-op or a burial plot for you or a dependent).

no dollar limit on the value of the home itself.

$35,000 in real property you own and that you, your spouse or a dependent use as your principal residence.

no dollar limit.

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).

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.

up to $50,000 in real or personal property used as the principal residence of you or your dependents.

the greater of $125,000 or the county median sale price of a single-family home in the previous calendar year.

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.

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.

up to $100,000 in value, per person.