The means test in Oklahoma: median income

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

Checked against official sources: October 25, 2026.

Short answer

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

1 person
$61,180
2 people
$77,208
3 people
$86,845
4 people
$101,798
Each extra person
+$11,100
Medians apply to cases filed on or after
April 1, 2026

Oklahoma median income check

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

  • 1 person$61,180
  • 2 people$77,208
  • 3 people$86,845
  • 4 people$101,798
  • 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 Oklahoma

You file in the district where you lived (your domicile) for most of the last 180 days. Oklahoma has three districts: Northern (Tulsa), Eastern (Muskogee) and Western (Oklahoma City). To see which district your county is in, use the Northern District court's list: https://www.oknb.uscourts.gov/oklahoma-counties-district-where-do-i-file.

Law: 28 U.S.C. 1408

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

Divisions: Tulsa

Clerk's phone: 918-699-4000

Court's self-help page

U.S. Bankruptcy Court for the Eastern District of Oklahoma

Divisions: Muskogee

Clerk's phone: 918-549-7200

Court's self-help page

U.S. Bankruptcy Court for the Western District of Oklahoma

Divisions: Oklahoma City

Clerk's phone: (405) 609-5700

Court's self-help page

What you can keep in Oklahoma

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

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

Car or other vehicle: $7,500 in equity in one motor vehicle, per person.

Exemptions in Oklahoma

In nearby states

  • Kansas: 1 person $69,197 · 2 people $87,441 · 3 people $103,852 · 4 people $125,971
  • Arkansas: 1 person $58,421 · 2 people $73,630 · 3 people $82,329 · 4 people $97,054
  • Texas: 1 person $66,837 · 2 people $86,714 · 3 people $99,273 · 4 people $117,962
  • Missouri: 1 person $64,972 · 2 people $82,075 · 3 people $100,228 · 4 people $118,530
  • Nebraska: 1 person $66,922 · 2 people $90,728 · 3 people $103,405 · 4 people $125,074
  • Louisiana: 1 person $59,447 · 2 people $72,348 · 3 people $84,602 · 4 people $103,628

What to do now in Oklahoma

  1. Total your income

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

  2. Fill in the first form

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

  3. Above the median?

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

  4. Where the forms go

    The forms are filed with Northern District, Eastern District and Western District.

Where to get free help in Oklahoma

Questions about the means test in Oklahoma

What is the homestead exemption in Oklahoma?

Unlimited in value. In a city or town: up to 1 acre that you own and live in as your principal residence. Outside a city or town: up to 160 acres, in one or more parcels. A manufactured home that is your principal residence is also exempt.

Which bankruptcy court do I use in Oklahoma?

You file in the district where you lived (your domicile) for most of the last 180 days. Oklahoma has three districts: Northern (Tulsa), Eastern (Muskogee) and Western (Oklahoma City). To see which district your county is in, use the Northern District court's list: https://www.oknb.uscourts.gov/oklahoma-counties-district-where-do-i-file.

What income passes the means test in Oklahoma?

For cases filed on or after April 1, 2026: 1 person: $61,180; 2 people: $77,208; 3 people: $86,845; 4 people: $101,798; Each extra person: +$11,100.

Is there free bankruptcy help in Oklahoma?

Legal Aid Services of Oklahoma (free civil legal aid) and Oklahoma Bar Association — legal resources and lawyer services (linked by the Northern District court).

Keep reading about Oklahoma