Ready to say goodbye to student loan debt for good? Learn More

Median Income


In bankruptcy, the median income of your state is the baseline for calculating whether you're eligible for Chapter 7 bankruptcy. It's step 1 of the means test.

Learn more about "Median Income"

Median means in the middle, between two things. On a highway, the median is the strip of land between opposite lanes of traffic. In math it's the number in the middle of sorted list of numbers. The folks at "Math is Fun" do a great job explaining this here.

If you make exactly the medium income for a household of your size, the number of households making more than you is the same as the number of households making less than you.

The median household income is calculated by the Internal Revenue Service and adjusted multiple times per year. The current median income levels, by household size, are available in the graph below.

You can always find up-to-date numbers using the drop-down menu on this page about means testing.


Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families resolve their debt and fix their credit using free software tools. Our team includes debt experts and engineers who care deeply about making the financial system accessible to everyone. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.