The means test in Rhode Island: median income

The Rhode Island median income table and the first step of the means test.

Checked against official sources: October 25, 2026.

Short answer

Official medians for Rhode Island from the U.S. Trustee Program. Below the median for your household size means you pass the first step.

1 person
$77,653
2 people
$98,736
3 people
$119,419
4 people
$137,479
Each extra person
+$11,100
Medians apply to cases filed on or after
April 1, 2026

Are you below the Rhode Island median?

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

  • 1 person$77,653
  • 2 people$98,736
  • 3 people$119,419
  • 4 people$137,479
  • 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

Which court you file in, in Rhode Island

You file in the federal district where you lived (your domicile) for most of the last 180 days. Rhode Island has one bankruptcy court, in Providence, for the whole state.

Law: 28 U.S.C. 1408

U.S. Bankruptcy Court for the District of Rhode Island

Divisions: Providence (one statewide court)

Clerk's phone: (401) 626-3100

Court's self-help page

What you can keep in Rhode Island

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

Home (homestead): $500,000 in the home that you live in or intend to live in as your principal residence.

Car or other vehicle: $12,000 total in all motor vehicles you own.

Wildcard (any property): $6,500 in any assets. This one applies only in bankruptcy, on top of the other state exemptions. Also, savings or other bank deposits up to $500 are exempt.

Exemptions in Rhode Island

In nearby states

  • Massachusetts: 1 person $88,202 · 2 people $112,708 · 3 people $139,411 · 4 people $178,524
  • Connecticut: 1 person $84,302 · 2 people $106,224 · 3 people $134,470 · 4 people $159,934
  • Vermont: 1 person $72,461 · 2 people $96,963 · 3 people $114,075 · 4 people $137,583
  • New Jersey: 1 person $87,173 · 2 people $106,876 · 3 people $137,136 · 4 people $168,127
  • New York: 1 person $73,272 · 2 people $92,902 · 3 people $115,579 · 4 people $139,040
  • Delaware: 1 person $69,515 · 2 people $94,877 · 3 people $111,273 · 4 people $132,244

Steps for the means test in Rhode Island

  1. Add up 6 months of income

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

  2. Start with Form 122A-1

    Your income is figured on 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 U.S. Bankruptcy Court for the District of Rhode Island.

Where to get free help in Rhode Island

Questions about the means test in Rhode Island

Can I keep my house in bankruptcy in Rhode Island?

$500,000 in the home (land and buildings, or personal property such as a mobile home) that you live in or intend to live in as your principal residence.

Which bankruptcy court do I use in Rhode Island?

You file in the federal district where you lived (your domicile) for most of the last 180 days. Rhode Island has one bankruptcy court, in Providence, for the whole state.

What are the Rhode Island means test numbers?

For cases filed on or after April 1, 2026: 1 person: $77,653; 2 people: $98,736; 3 people: $119,419; 4 people: $137,479; Each extra person: +$11,100.

Where can I get free help with bankruptcy in Rhode Island?

Rhode Island Free Bankruptcy Legal Clinic (30-minute free consultation with a volunteer attorney, run with the Bankruptcy Court), Rhode Island Legal Services and Rhode Island Bar Association Volunteer Lawyer Program.

More for Rhode Island