Arizona Bankruptcy Calculators 2026 — Complete State Guide
Arizona residents filing bankruptcy use both federal bankruptcy law (11 U.S.C.) and Arizona-specific exemption statutes to determine eligibility, protect assets, and structure repayment plans. This page provides a complete reference for 2026 Arizona bankruptcy rules, including median income thresholds for the Chapter 7 means test, asset exemption amounts, and links to all state-specific calculators.
For a single person in Arizona, the 2026 Chapter 7 income limit is $60,054/year ($5,005/month). For a family of four: $93,780/year. Arizona's homestead exemption protects $250,000 in home equity. Retirement accounts are fully protected in Arizona, as they are in every state.
Arizona 2026 Chapter 7 Median Income Thresholds
| Household Size | Annual Income Limit | Monthly Limit |
|---|---|---|
| 1 person | $60,054 | $5,005 |
| 2 people | $73,536 | $6,128 |
| 3 people | $83,628 | $6,969 |
| 4 people | $93,780 | $7,815 |
| 5 people | $103,680 | $8,640 |
Arizona 2026 Bankruptcy Exemptions
| Asset Type | Protected Amount | Notes |
|---|---|---|
| Homestead / Home Equity | $250,000 | Primary residence |
| Motor Vehicle | $6,000 | — |
| Retirement Accounts | 100% | All qualified plans |
| Wildcard | $0 | Any asset |
| Personal Property | $6,000 | Household goods, clothing |
| Wages | 75% of disposable earnings | Earned but unpaid wages |
Arizona Bankruptcy Calculators
Frequently Asked Questions
How does Arizona's homestead exemption compare to other states?
Arizona's homestead exemption of $250,000 is among the highest fixed-dollar exemptions in the US. Homeowners with equity near or above the exemption limit should discuss Chapter 13 as an alternative with a bankruptcy attorney.
Who qualifies for Chapter 7 bankruptcy in Arizona?
To file Chapter 7 in Arizona, you must pass the means test (income at or below $60,054/year for a single person, or complete the disposable income calculation if above), not have had a Chapter 7 discharge within the past 8 years or a Chapter 13 discharge within the past 6 years, not have had a bankruptcy case dismissed within the past 180 days for cause (fraud, willful failure to follow court orders), and complete a credit counseling course from an approved provider within 180 days before filing.
What is the typical cost to file bankruptcy in Arizona?
The filing fee for Chapter 7 in Arizona is $338 (payable to the bankruptcy court) and for Chapter 13 is $313. Attorney fees vary significantly: Chapter 7 attorney fees in Arizona typically range from $1,000 to $2,500 depending on case complexity, geographic market, and attorney experience. Chapter 13 attorney fees are subject to local court fee guidelines and are typically $3,000 to $5,000, paid through the plan over time rather than upfront. Fee waivers are available for Chapter 7 filers with income below 150% of the federal poverty line.