The means test in New Mexico: median income

The official median income for New Mexico, a quick first-step check and what happens if your income is above it.

Checked against official sources: October 25, 2026.

Short answer

These are the official U.S. Trustee Program medians for New Mexico. If your household's yearly income is below the median for its size, you pass the first step.

1 person
$66,235
2 people
$79,574
3 people
$88,041
4 people
$98,602
Each extra person
+$11,100
Medians apply to cases filed on or after
April 1, 2026

Are you below the New Mexico median?

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

  • 1 person$66,235
  • 2 people$79,574
  • 3 people$88,041
  • 4 people$98,602
  • 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

New Mexico bankruptcy courts and divisions

New Mexico has one bankruptcy court for the whole state, in Albuquerque. You file there if you lived (were domiciled) in New Mexico for most of the 180 days before filing. Court location: https://www.nmb.uscourts.gov/court-info/court-location

Law: 28 U.S.C. 1408

U.S. Bankruptcy Court for the District of New Mexico

Divisions: One court for the whole state; clerk's office in Albuquerque

Clerk's phone: (505) 415-7999; toll free (866) 291-6805

Court's self-help page

New Mexico exemptions in brief

In New Mexico you choose state or federal exemptions (exemptions are the property the law lets you keep).

Home (homestead): $150,000 in your primary residence.

Car or other vehicle: $10,000 total interest in motor vehicles.

Wildcard (any property): $15,000 in any personal property not otherwise covered, including bank and investment accounts or the value of property above the other limits.

Exemptions in New Mexico

In nearby states

  • Arizona: 1 person $73,935 · 2 people $89,027 · 3 people $104,965 · 4 people $121,174
  • Colorado: 1 person $87,940 · 2 people $109,497 · 3 people $130,850 · 4 people $153,501
  • Texas: 1 person $66,837 · 2 people $86,714 · 3 people $99,273 · 4 people $117,962
  • Utah: 1 person $87,898 · 2 people $95,757 · 3 people $112,751 · 4 people $131,741
  • Oklahoma: 1 person $61,180 · 2 people $77,208 · 3 people $86,845 · 4 people $101,798
  • Kansas: 1 person $69,197 · 2 people $87,441 · 3 people $103,852 · 4 people $125,971

Your next steps in New Mexico

  1. Add up 6 months of income

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

  2. Start with Form 122A-1

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

  3. Above the median?

    You continue with Official Form 122A-2.

  4. Where the forms go

    The forms are filed with U.S. Bankruptcy Court for the District of New Mexico.

Where to get free help in New Mexico

Questions about the means test in New Mexico

Can I keep my house in bankruptcy in New Mexico?

$150,000 in your primary residence. $300,000 if your spouse died within the two years before you claim it and could have claimed it. The home can be a house, mobile home, trailer, RV, outbuilding or similar shelter used as your main home. If you do not own a homestead, you get $15,000 in any real or personal property instead.

Which bankruptcy court do I use in New Mexico?

New Mexico has one bankruptcy court for the whole state, in Albuquerque. You file there if you lived (were domiciled) in New Mexico for most of the 180 days before filing. Court location: https://www.nmb.uscourts.gov/court-info/court-location

What are the New Mexico means test numbers?

For cases filed on or after April 1, 2026: 1 person: $66,235; 2 people: $79,574; 3 people: $88,041; 4 people: $98,602; Each extra person: +$11,100.

Who helps with bankruptcy for free in New Mexico?

New Mexico Legal Aid (free civil legal help if you qualify), U.S. Bankruptcy Court, District of New Mexico: Self-Help Center (Albuquerque; for people filing without a lawyer) and State Bar of New Mexico: free monthly consumer debt workshop (Zoom) and legal clinics.

Keep reading about New Mexico