The means test in Oregon: median income
The Oregon median income table and the first step of the means test.
Checked against official sources: October 25, 2026.
Short answer
The U.S. Trustee Program publishes these medians for Oregon. Income below the median for your household size passes the first step.
- 1 person
- $79,089
- 2 people
- $93,670
- 3 people
- $116,729
- 4 people
- $140,024
- Each extra person
- +$11,100
- Medians apply to cases filed on or after
- April 1, 2026
Oregon median income check
Official Form 122A-1 compares your household's yearly income with the median income in Oregon. Here are the official medians:
- 1 person$79,089
- 2 people$93,670
- 3 people$116,729
- 4 people$140,024
- 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 bankruptcy courts in Oregon
You file in the district where you lived (your domicile) for most of the last 180 days. Oregon has one bankruptcy court for the whole state, with offices in Portland ((503) 326-1500) and Eugene ((541) 431-4000): https://www.orb.uscourts.gov/locations.
Law: 28 U.S.C. 1408
Divisions: Portland, Eugene
Clerk's phone: (503) 326-1500
Exemptions in Oregon at a glance
In Oregon you choose state or federal exemptions (exemptions are the property the law lets you keep).
Home (homestead): $158,300 in equity for one debtor; $316,700 combined when two or more members of the same household are debtors.
Car or other vehicle: $10,000 in one vehicle (car, truck, trailer or other motor vehicle) per debtor; $3,000 against child support, spousal support or restitution debts.
Wildcard (any property): $400 in any personal property, per debtor; it cannot be used to add to another exemption.
In nearby states
- Washington: 1 person $88,585 · 2 people $107,100 · 3 people $131,737 · 4 people $156,567
- Idaho: 1 person $73,413 · 2 people $86,160 · 3 people $98,381 · 4 people $119,662
- Nevada: 1 person $72,222 · 2 people $87,914 · 3 people $101,638 · 4 people $114,110
- California: 1 person $79,253 · 2 people $102,797 · 3 people $116,541 · 4 people $139,071
- Utah: 1 person $87,898 · 2 people $95,757 · 3 people $112,751 · 4 people $131,741
- Montana: 1 person $71,310 · 2 people $91,452 · 3 people $103,285 · 4 people $121,698
Your next steps in Oregon
Gather your income
Add every source of household income for the last 6 months.
Fill in the first form
The court uses Official Form 122A-1.
Above the median?
Next comes the expense calculation on Official Form 122A-2.
Where the forms go
Your court: U.S. Bankruptcy Court for the District of Oregon.
Get help
Free help: U.S. Bankruptcy Court, District of Oregon — Pro Bono Program (free volunteer attorney for approved applicants in an active case) and Legal Aid Services of Oregon — Portland Regional Office (bankruptcy volunteer lawyer referrals for Clackamas, Columbia, Hood River, Multnomah, Wasco, Washington and Yamhill counties).
Free help in Oregon
- U.S. Bankruptcy Court, District of Oregon — Pro Bono Program (free volunteer attorney for approved applicants in an active case) · (503) 326-1543
- Legal Aid Services of Oregon — Portland Regional Office (bankruptcy volunteer lawyer referrals for Clackamas, Columbia, Hood River, Multnomah, Wasco, Washington and Yamhill counties) · (503) 224-4086
- Lane County Legal Aid / Oregon Law Center (Lane County) · (541) 485-1017
- Oregon State Bar Lawyer Referral Service (reduced-fee consultation) · (503) 684-3763
- Find free legal aid at LawHelp.org
- U.S. Bankruptcy Court for the District of Oregon – Court's self-help page
Questions about the means test in Oregon
How much home equity can I keep in Oregon?
$158,300 in equity for one debtor; $316,700 combined when two or more members of the same household are debtors (for example, a married couple filing together). This covers a home that is the actual residence of you or your spouse, parent or child. Land limit: one city block in a town or city laid out in blocks and lots, or 160 acres elsewhere.
Which bankruptcy court do I use in Oregon?
You file in the district where you lived (your domicile) for most of the last 180 days. Oregon has one bankruptcy court for the whole state, with offices in Portland ((503) 326-1500) and Eugene ((541) 431-4000): https://www.orb.uscourts.gov/locations.
What income passes the means test in Oregon?
For cases filed on or after April 1, 2026: 1 person: $79,089; 2 people: $93,670; 3 people: $116,729; 4 people: $140,024; Each extra person: +$11,100.
Who helps with bankruptcy for free in Oregon?
U.S. Bankruptcy Court, District of Oregon — Pro Bono Program (free volunteer attorney for approved applicants in an active case), Legal Aid Services of Oregon — Portland Regional Office (bankruptcy volunteer lawyer referrals for Clackamas, Columbia, Hood River, Multnomah, Wasco, Washington and Yamhill counties) and Lane County Legal Aid / Oregon Law Center (Lane County).