The means test in Indiana: median income

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

Checked against official sources: October 25, 2026.

Short answer

The U.S. Trustee Program publishes these medians for Indiana. Income below the median for your household size passes the first step.

1 person
$64,461
2 people
$81,986
3 people
$95,627
4 people
$115,656
Each extra person
+$11,100
Medians apply to cases filed on or after
April 1, 2026

Check the first step in Indiana

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

  • 1 person$64,461
  • 2 people$81,986
  • 3 people$95,627
  • 4 people$115,656
  • 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 Indiana

You file in the federal district where you lived (your domicile) for most of the last 180 days. Your county decides the district and division: Northern District list at https://www.innb.uscourts.gov/district-composition and Southern District list at https://www.insb.uscourts.gov/jurisdiction-where-file.

Law: 28 U.S.C. 1408

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

Divisions: South Bend, Fort Wayne, Hammond, Hammond at Lafayette

Clerk's phone: (574) 968-2265

Court's self-help page

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

Divisions: Indianapolis, Evansville, New Albany, Terre Haute (Terre Haute office unstaffed)

Clerk's phone: (317) 229-3800 (Indianapolis); (812) 434-6470 (Evansville); (812) 542-4540 (New Albany)

Court's self-help page

Indiana exemptions in brief

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

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

Car or other vehicle: No separate vehicle exemption. A car can be protected under the $12,100 exemption for other real estate or tangible personal property.

Exemptions in Indiana

In nearby states

  • Illinois: 1 person $73,180 · 2 people $93,934 · 3 people $113,625 · 4 people $137,902
  • Kentucky: 1 person $61,652 · 2 people $73,892 · 3 people $85,212 · 4 people $109,443
  • Ohio: 1 person $66,239 · 2 people $83,725 · 3 people $102,504 · 4 people $123,702
  • Tennessee: 1 person $63,979 · 2 people $82,846 · 3 people $97,511 · 4 people $109,585
  • Michigan: 1 person $67,352 · 2 people $83,432 · 3 people $103,449 · 4 people $123,010
  • West Virginia: 1 person $63,908 · 2 people $68,592 · 3 people $92,050 · 4 people $93,672

Your next steps in Indiana

  1. Add up 6 months of income

    Add every source of household income for the last 6 months.

  2. Do the official first step

    The official first step is Official Form 122A-1.

  3. If you are above the median

    Next comes the expense calculation on Official Form 122A-2.

  4. Find your court

    You file the forms in Northern District and Southern District.

Where to get free help in Indiana

Questions about the means test in Indiana

How much home equity can I keep in Indiana?

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

How do I find my bankruptcy court in Indiana?

You file in the federal district where you lived (your domicile) for most of the last 180 days. Your county decides the district and division: Northern District list at https://www.innb.uscourts.gov/district-composition and Southern District list at https://www.insb.uscourts.gov/jurisdiction-where-file.

What are the Indiana means test numbers?

For cases filed on or after April 1, 2026: 1 person: $64,461; 2 people: $81,986; 3 people: $95,627; 4 people: $115,656; Each extra person: +$11,100.

Where can I get free help with bankruptcy in Indiana?

S.D. Ind. Chapter 7 Pro Bono Panel (U.S. Bankruptcy Court), Indiana Legal Services and Indiana Legal Help (statewide legal information and help finder).

Related Indiana pages