asset: state-homestead-exemption-amounts

asset_type: jurisdictional

body: How much equity in a home a creditor cannot reach, state by state, taken from each state's own statute. When a money judgment is enforced or a bankruptcy is filed, this figure decides whether the house is sold: equity below it is protected outright, and the difference between $50,000 and $1,000,000 is the difference between keeping a home and losing it. No federal agency compiles the state figures, and the fifty-state tables that do exist are published by law firms and bankruptcy-filing services. Several of these numbers moved recently and are indexed to keep moving: California's adjusts every January against the state CPI, Minnesota's is adjusted periodically by the commerce commissioner, Virginia's is due for a three-year CPI adjustment on 1 April 2027, and Missouri raised its figure by statute in 2026. A table that prints a dollar amount without the indexing rule beside it is wrong from the next adjustment onward, which is why this asset records the statute's own words for both.

key_field: state

licence: unknown

title: Homestead exemption amounts by state

type: dataset


body:
**State:** California

**Homestead exemption:** The countywide median sale price for a single-family home in the calendar year prior to the calendar year in which the judgment debtor claims the exemption, not to exceed six hundred thousand dollars ($600,000). (2) Three hundred thousand dollars ($300,000).

**How the figure is kept current:** The amounts specified in this section shall adjust annually for inflation, beginning on January 1, 2022, based on the change in the annual California Consumer Price Index for All Urban Consumers

**Statute:** 704.730.

> The amount of the homestead exemption is the greater of the following: (1) The countywide median sale price for a single-family home in the calendar year prior to the calendar year in which the judgment debtor claims the exemption, not to exceed six hundred thousand dollars ($600,000). (2) Three hundred thousand dollars ($300,000). (b) The amounts specified in this section shall adjust annually for inflation, beginning on January 1, 2022, based on the change in the annual California Consumer Price Index for All Urban Consumers, published by the Department of Industrial Relations, for the most recent one-year period ending on December 31 preceding the adjustment, with each adjusted amount rounded to the nearest twenty-five dollars ($25). (Amended by Stats. 2024, Ch. 80,

Source: <https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=704.730.&lawCode=CCP>

state: California

title: California — Homestead exemption amounts by state

type: jurisdictional


body:
**State:** Colorado

**Homestead exemption:** The sum of two hundred fifty thousand dollars if the homestead is occupied as a home by an owner or an owner's family

**Statute:** 38-41-201. Homestead exemption - definitions.

> Every homestead in the state is exempt from execution and attachment arising from any debt, contract, or civil obligation not exceeding in actual cash value in excess of any liens or encumbrances on the homesteaded property in existence at the time of any levy of execution thereon: (a) The sum of two hundred fifty thousand dollars if the homestead is occupied as a home by an owner or an owner's family; or (b) The sum of three hundred fifty thousand dollars if the homestead is occupied as a home by an owner who is elderly or disabled, an owner's spouse wh

Source: <https://leg.colorado.gov/sites/default/files/images/olls/crs2023-title-38.pdf>

state: Colorado

title: Colorado — Homestead exemption amounts by state


body:
**State:** Florida

**Homestead exemption:** There shall be exempt from forced sale under process of any court, and no judgment, decree or execution shall be a lien thereon, except for the payment of taxes and assessments thereon, obligations contracted for the purchase, improvement or repair thereof, or obligations contracted for house, field or other labor performed on the realty

**Area limit:** a homestead, if located outside a municipality, to the extent of one hundred sixty acres of contiguous land and improvements thereon, which shall not be reduced without the owner’s consent by reason of subsequent inclusion in a municipality; or if located within a municipality, to the extent of one-half acre of contiguous land

**Statute:** SECTION 4. Homestead; exemptions.

> SECTION 4. Homestead; exemptions. — (a) There shall be exempt from forced sale under process of any court, and no judgment, decree or execution shall be a lien thereon, except for the payment of taxes and assessments thereon, obligations contracted for the purchase, improvement or repair thereof, or obligations contracted for house, field or other labor performed on the realty, the following property owned by a natural person: (1) a homestead, if located outside a municipality, to the extent of one hundred sixty acres of contiguous land and improvements thereon, which shall not be reduced without the owner’s consent by reason of subsequent inclusion in a municipality; or if located within a municipality, to the extent of one-half acre of contiguous land, upon which the exemption shall be limited to the residence of the owner or the owner’s family;

Source: <http://www.leg.state.fl.us/statutes/index.cfm?submenu=3>

state: Florida

statute_section: SECTION 4. Homestead; exemptions.

title: Florida — Homestead exemption amounts by state


acreage_or_area_limit: regardless of area

body:
**State:** Idaho

**Homestead exemption:** the homestead exemption amount shall not exceed the sum of one hundred seventy-five thousand dollars ($175,000)

**Area limit:** regardless of area

**Statute:** 55-1003. Homestead exemption limited.

> A homestead may consist of lands, as described in section 55-1001 , Idaho Code, regardless of area, but the homestead exemption amount shall not exceed the sum of one hundred seventy-five thousand dollars ($175,000). History: [55-1003, added 1989, ch. 371, sec. 2, p. 934; am. 1992, ch. 14, sec. 1, p. 38; am.

Source: <https://legislature.idaho.gov/statutesrules/idstat/Title55/T55CH10/SECT55-1003/>

state: Idaho

statute_section: 55-1003. Homestead exemption limited.

title: Idaho — Homestead exemption amounts by state


body:
**State:** Kansas

**Homestead exemption:** a homestead to the extent of 160 acres of farming land, or of one acre within the limits of an incorporated town or city, or a manufactured home or mobile home, occupied as a residence by the owner or by the family of the owner, or by both the owner and family thereof, together with all the improvements on the same, shall be exempted from forced sale under any process of law

**Area limit:** 160 acres of farming land, or of one acre within the limits of an incorporated town or city

**Statute:** 60-2301. Homestead; extent of exemption.

> a homestead to the extent of 160 acres of farming land, or of one acre within the limits of an incorporated town or city, or a manufactured home or mobile home, occupied as a residence by the owner or by the family of the owner, or by both the owner and family thereof, together with all the improvements on the same, shall be exempted from forced sale under any process of law, and shall not be alienated without the joint consent of husband and wife, when that relation exists; but no property shall be exempt from sale for taxes, or for the payment of obligations contracted for the purchase of such premises, or for the erection of improvements thereon.

Source: <https://www.ksrevisor.gov/statutes/chapters/ch60/060_023_0001.html>

state: Kansas

title: Kansas — Homestead exemption amounts by state


automatic_exemption_amount: $125,000 pursuant to section 4

body:
**State:** Massachusetts

**Homestead exemption:** $1,000,000 created by a written declaration, executed and recorded pursuant to section 5

**Amount protected without filing anything:** $125,000 pursuant to section 4

**Statute:** Chapter 188, Section 1

> ''Automatic homestead exemption'', an exemption in the amount of $125,000 pursuant to section 4; provided, however, that: (1) with respect to a home owned as joint tenants or as tenants by the entirety, the automatic homestead exemption shall remain whole and unallocated between the owners, provided that the owners together shall not be entitled to an automatic homestead exemption in excess of $125,000; and (2) with respect to a home owned by multiple owners as tenants in common or as trust beneficiaries, the automatic homestead exemption shall be allocated among all owners in proportion to their respective ownership interests. ''Declared homestead exemption'', an exemption in the amount of $1,000,000 created by a written declaration, executed and recorded pursuant to section 5; provided, however, that: (1) with respect to a home owned by joint tenants or tenants by the entirety who are benefited by an estate of homestead declared pursuant to section 3, the declared homestead exemption shall remain whole and unallocated, provided that the owners together shall not be entitled to a declared homestead exemption in excess of $1,000,000; (2) if a home is owned by te

Source: <https://malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter188/Section1>

state: Massachusetts

statute_section: Chapter 188, Section 1

title: Massachusetts — Homestead exemption amounts by state


body:
**State:** Minnesota

**Homestead exemption:** may not exceed $510,000 or, if the homestead is used primarily for agricultural purposes, $1,275,000

**Area limit:** any quantity of land not exceeding 160 acres

**How the figure is kept current:** The dollar amounts in subdivision 1 must change periodically in the manner provided for under section 550.37, subdivision 4a

**Statute:** 510.02

> The homestead may include any quantity of land not exceeding 160 acres. The exemption per homestead, whether the exemption is claimed by one or more debtors, may not exceed $510,000 or, if the homestead is used primarily for agricultural purposes, $1,275,000, exclusive of the limitations set forth in section 510.05 . § Subd. 2.Adjustment of dollar amounts. The dollar amounts in subdivision 1 must change periodically in the manner provided for under section 550.37, subdivision 4a . The commissioner of commerce shall include the changes in the dollar amounts as part of the announcement and publication made under those provisions. History: ( 8337 ) RL s 3453 ; 1907 c 335 s 1 ; 1969 c 414 s 1 ; 1973 c 123 art 5 s 7 ; 1986 c 398 art 16 s 1 ; 1993 c 79 s 2 ; 2007 c 105 s 2 ; 2007 c 106 s 11 ; 2013 c 135 art 2 s 8 Official Publication of the State of Minnesota Revisor of Statutes About the Legi

Source: <https://www.revisor.mn.gov/statutes/cite/510.02>

state: Minnesota

title: Minnesota — Homestead exemption amounts by state


body:
**State:** Missouri

**Homestead exemption:** not exceeding the aggregate value of forty thousand dollars

**Statute:** 513.475. Homestead defined — exempt from execution — spouses debarred from selling, when.

> The homestead of every person, consisting of a dwelling house and appurtenances, and the land used in connection therewith, not exceeding the aggregate value of forty thousand dollars, which is or shall be used by such person as a homestead, shall, together with the rents, issues and products thereof, be exempt from attachment a

Source: <https://revisor.mo.gov/main/OneSection.aspx?section=513.475>

state: Missouri

title: Missouri — Homestead exemption amounts by state


body:
**State:** Nebraska

**Homestead exemption:** a homestead not exceeding one hundred twenty thousand dollars in value

**Area limit:** not exceeding one hundred and sixty acres of land

**Statute:** 40-101

> Each natural person residing in this state shall have exempt from judgment liens and from execution or forced sale, except as provided in sections 40-101 to 40-116 , a homestead not exceeding one hundred twenty thousand dollars in value consisting of the dwelling house in which the claimant resides, its appurtenances, and the land on which the same is situated, not exceeding one hundred and sixty acres of land, to be selected by the owner, and not in any incorporated city or village, or, at the option of the claimant, a quantity of contiguous land not ex

Source: <https://nebraskalegislature.gov/laws/statutes.php?statute=40-101>

state: Nebraska

title: Nebraska — Homestead exemption amounts by state


body:
**State:** Nevada

**Homestead exemption:** does not exceed $605,000 in value

**Statute:** NRS 115.010

> extends only to that amount of equity in the property held by the claimant which does not exceed $605,000 in value, unless allodial title has been established and not relinquished, in which case the exemption provided in subsection 1 extends to all equity in the dwelling, its appurtenances and the land on which it is located. 3.

Source: <https://www.leg.state.nv.us/nrs/nrs-115.html>

exemption_amount: does not exceed $605,000 in value

state: Nevada

title: Nevada — Homestead exemption amounts by state


body:
**State:** North Dakota

**Homestead exemption:** the total not to exceed one hundred fifty thousand dollars in value, over and above liens or encumbrances or both

**Statute:** 47-18-01. Homestead exemption - Area and value.

> The homestead of any individual, whether married or unmarried, residing in this state consists of the land upon which the claimant resides, and the dwelling house on that land in which the homestead claimant resides, with all its appurtenances, and all other improvements on the land, the total not to exceed one hundred fifty thousand dollars in value, over and above liens or encumbrances or both. The homestead shall be exempt

Source: <https://ndlegis.gov/cencode/t47c18.pdf>

state: North Dakota

title: North Dakota — Homestead exemption amounts by state


body:
**State:** Oklahoma

**Area limit:** The homestead of any person in this state, not within any city or town, shall consist of not more than one hundred sixty (160) acres of land, which may be in one or more parcels, to be selected by the owner.

**Statute:** Section 2 - Homestead - Area and Value - Indian Allottees - Temporary Renting

> A. The homestead of any person in this state, not within any city or town, shall consist of not more than one hundred sixty (160) acres of land, which may be in one or more parcels, to be selected by the owner.

Source: <https://www.oscn.net/applications/oscn/DeliverDocument.asp?CiteID=71491>

state: Oklahoma

title: Oklahoma — Homestead exemption amounts by state


body:
**State:** Oklahoma

**Homestead exemption:** If more than twenty-five percent (25%) of the total square foot area of the improvements for which a homestead exemption is claimed is used for business purposes, the homestead exemption amount shall not exceed Five Thousand Dollars ($5,000.00)

**Area limit:** The homestead within any city or town, owned and occupied as a residence only, or used for both residential and business purposes, shall consist of not exceeding one (1) acre of land, to be selected by the owner.

**Statute:** Section 2 - Homestead - Area and Value - Indian Allottees - Temporary Renting

> C. The homestead within any city or town, owned and occupied as a residence only, or used for both residential and business purposes, shall consist of not exceeding one (1) acre of land, to be selected by the owner. For purposes of this subsection, at least seventy-five percent (75%) of the total square foot area of the improvements for which a homestead exemption is claimed must be used as the principal residence in order to qualify for the exemption. If more than twenty-five percent (25%) of the total square foot area of the improvements for which a homestead exemption is claimed is used for business purposes, the homestead exemption amount shall not exceed Five Thousand Dollars ($5,000.00).

Source: <https://www.oscn.net/applications/oscn/DeliverDocument.asp?CiteID=71491>


body:
**State:** Oklahoma

**Homestead exemption:** The home of such person, provided that such home is the principal residence of such person

**Statute:** Section 1 - Property Exempt from Attachment, Execution or Other Forced Sale - Bankruptcy Proceedings

> A. Except as otherwise provided in this title and notwithstanding subsection B of this section, the following property shall be reserved to every person residing in the state, exempt from attachment or execution and every other species of forced sale for the payment of debts, except as herein provided: 1. The home of such person, provided that such home is the principal residence of such person; 2. A manufactured home, provided that such manufactured home is the principal residence of such person;

Source: <https://www.oscn.net/applications/oscn/DeliverDocument.asp?CiteID=71487>


body:
**State:** Oregon

**Homestead exemption:** A homestead is exempt from sale on execution, from the lien of every judgment and from liability in any form for the debts of the owner arising out of a child support or spousal support obligation or a money award judgment that includes restitution to the amount in value of $40,000

**Statute:** 18.395 Homestead exemption.

> (b) A homestead is exempt from sale on execution, from the lien of every judgment and from liability in any form for the debts of the owner arising out of a child support or spousal support obligation or a money award judgment that includes restitution to the amount in value of $40,000, except as otherwise provided by law. The exemption is effective without the necessity of a claim thereof by the judgment debtor. When two or more members of a household are judgment debtors whose interests in the homestead are subject to sale on execution, the lien of a judgment or liability in any form, their combined exemptions under this section shall not exceed $50,000.

Source: <https://www.oregonlegislature.gov/bills_laws/ors/ors018.html>

state: Oregon

statute_section: 18.395 Homestead exemption.

title: Oregon — Homestead exemption amounts by state


body:
**State:** Oregon

**Homestead exemption:** a homestead is exempt from sale on execution, from the lien of every judgment and from liability in any form for the debts of the owner to the amount in value of $150,000, except as otherwise provided by law

**Area limit:** any quantity of land not exceeding 160 acres, and when located in any such town or city, of any quantity of land not exceeding one block

> 18.402 Limitations on homestead exemption. A homestead described in ORS 18.395 consists, when not located in any town or city laid off into blocks and lots, of any quantity of land not exceeding 160 acres, and when located in any such town or city, of any quantity of land not exceeding one block. However, a homestead under this section may not exceed in value the applicable amount specified in ORS 18.395 (1)(a) or (b).

**How the figure is kept current:** The State Court Administrator shall index the amounts identified as exempt from execution under paragraph (a) of this subsection each year on or before July 1 to reflect increases or decreases in the cost of living for the previous calendar year, based on changes in the Consumer Price Index for All Urban Consumers, West Region (All Items)

> (d)(A) The State Court Administrator shall index the amounts identified as exempt from execution under paragraph (a) of this subsection each year on or before July 1 to reflect increases or decreases in the cost of living for the previous calendar year, based on changes in the Consumer Price Index for All Urban Consumers, West Region (All Items), as published by the Bureau of Labor Statistics of the United States Department of Labor or a successor agency. The State Court Administrator shall publish the adjusted exemption limitations on the Judicial Department website. In adjusting the amounts, the State Court Administrator shall round to the nearest $100, but shall use unrounded adjusted amounts to calculate the amounts of the exemptions during the succeeding year. The new amounts become effective on July 1 of the year in which the State Court Administrator makes the adjustment.

**Statute:** 18.395 Homestead exemption.

> 18.395 Homestead exemption. (1)(a) Except as provided in paragraph (b) of this subsection, a homestead is exempt from sale on execution, from the lien of every judgment and from liability in any form for the debts of the owner to the amount in value of $150,000, except as otherwise provided by law. The exemption is effective without the necessity of a claim thereof by the judgment debtor. When two or more members of a household are judgment debtors whose interests in the homestead are subject to sale on execution, the lien of a judgment or liability in any form, their combined exemptions under this section shall not exceed $300,000.

Source: <https://www.oregonlegislature.gov/bills_laws/ors/ors018.html>


body:
**State:** South Dakota

**Area limit:** If within a town plat the homestead must not exceed one acre in extent, and if not within a town plat, it must not embrace in the aggregate more than one hundred sixty acres

**Statute:** 43-31-4 . Limited area of homestead--Mineral lands.

> If within a town plat the homestead must not exceed one acre in extent, and if not within a town plat, it must not embrace in the aggregate more than one hundred sixty acres.

Source: <https://sdlegislature.gov/api/Statutes/2065520.html>

state: South Dakota

title: South Dakota — Homestead exemption amounts by state


body:
**State:** South Dakota

**Homestead exemption:** The homestead, including a homestead listed for sale, of every family, resident in this state, so long as it continues to possess the character of a homestead is exempt from judicial sale, from judgment lien, and from all mesne or final process from any court, to the extent and as provided by statute

**Statute:** 43-31-1 . Homestead exempt from judicial sale, judgment lien, and mesne or final process--Mobile homes--Senior citizens.

> The homestead, including a homestead listed for sale, of every family, resident in this state, so long as it continues to possess the character of a homestead is exempt from judicial sale, from judgment lien, and from all mesne or final process from any court, to the extent and as provided by statute.

Source: <https://sdlegislature.gov/api/Statutes/2065517.html>


body:
**State:** Texas

**Homestead exemption:** The homestead of a family, or of a single adult person, shall be, and is hereby protected from forced sale, for the payment of all debts

**Area limit:** The homestead, not in a town or city, shall consist of not more than two hundred acres of land, which may be in one or more parcels, with the improvements thereon; the homestead in a city, town or village, shall consist of lot or contiguous lots amounting to not more than 10 acres of land, together with any improvements on the land

> Sec. 51. SIZE OF HOMESTEAD; USES; RELEASE OR REFINANCE OF EXISTING LIEN. The homestead, not in a town or city, shall consist of not more than two hundred acres of land, which may be in one or more parcels, with the improvements thereon; the homestead in a city, town or village, shall consist of lot or contiguous lots amounting to not more than 10 acres of land, together with any improvements on the land;

**Statute:** Sec. 50. PROTECTION OF HOMESTEAD FROM FORCED OR UNAUTHORIZED SALE; EXCEPTIONS

> Sec. 50. PROTECTION OF HOMESTEAD FROM FORCED OR UNAUTHORIZED SALE; EXCEPTIONS; REQUIREMENTS FOR MORTGAGE LOANS AND OTHER OBLIGATIONS SECURED BY HOMESTEAD. (a) The homestead of a family, or of a single adult person, shall be, and is hereby protected from forced sale, for the payment of all debts except for: (1) the purchase money thereof, or a part of such purchase money; (2) the taxes due thereon;

Source: <https://tlc.texas.gov/docs/legref/TxConst.pdf>

state: Texas

title: Texas — Homestead exemption amounts by state


body:
**State:** Virginia

**Homestead exemption:** real or personal property used as the principal residence of the householder or the householder's dependents not exceeding $50,000 in value

**How the figure is kept current:** On April 1, 2027, and at each three-year interval ending on April 1 thereafter, each monetary limit in effect under this section immediately before such April 1 shall be adjusted to reflect the change in the Consumer Price Index for all urban consumers (CPI-U)

**Statute:** § 34-4. Exemption created.

> real or personal property used as the principal residence of the householder or the householder's dependents not exceeding $50,000 in value. In addition, upon a showing that a householder supports dependents, the householder shall be entitled to hold exempt from creditor process real and personal property, or either, selected by the householder, including money or monetary obligations or liabilities due the householder, not exceeding $500 in value for each dependent. For the purposes of this section, "dependent" means an individual who derives support primarily from the householder and who does not have assets sufficient to support himself, but in no case shall an individual be the dependent of more than one householder. On April 1, 2027, and at each three-year interval ending on April 1 thereafter, each monetary limit in effect under this section immediately before such April 1 shall be adjusted to reflect the change in the Consumer Price Index for all urban consumers (CPI-U), as published by the Bureau of Labor Statistics of the U.S. Department of Labor, for the most recent three-year period ending immediately

Source: <https://law.lis.virginia.gov/vacode/title34/chapter2/section34-4/>

state: Virginia

statute_section: § 34-4. Exemption created.

title: Virginia — Homestead exemption amounts by state


body:
**State:** Washington

**Homestead exemption:** the greater of: (a) $125,000; (b) The county median sale price of a single-family home in the preceding calendar year

**Statute:** 6.13.030

> The homestead exemption amount is the greater of: (a) $125,000; (b) The county median sale price of a single-family home in the preceding calendar year; or (c) Where the homestead is subject to execution, attachment, or seizure by or under any legal

Source: <https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.030>

state: Washington

title: Washington — Homestead exemption amounts by state


body:
**State:** Wyoming

**Homestead exemption:** a homestead not exceeding one hundred thousand dollars ($100,000.00) in value, exempt from execution and attachment arising from any debt, contract or civil obligation entered into or incurred

**Area limit:** a house on a lot or lots or other lands of any number of acres

> 1-20-104. Homestead exemption; composition. The homestead may consist of a house on a lot or lots or other lands of any number of acres, or a house trailer or other movable home on a lot or lots, whether or not the house trailer or other movable home is equipped with wheels or resting upon immovable support.

**Statute:** 1-20-101. Homestead exemption; right.

> 1-20-101. Homestead exemption; right. Every resident of the state is entitled to a homestead not exceeding one hundred thousand dollars ($100,000.00) in value, exempt from execution and attachment arising from any debt, contract or civil obligation entered into or incurred. 1-20-102. Homestead exemption; when operative. (a) The homestead is only exempt as provided in W.S. 1-20-101 while occupied as such by the owner or the person entitled thereto, or his or her family. (b) When two (2) or more persons jointly own and occupy the same residence, each shall be entitled to the homestead exemption.

Source: <https://www.wyoleg.gov/statutes/compress/title01.pdf>

state: Wyoming

statute_section: 1-20-101. Homestead exemption; right.

title: Wyoming — Homestead exemption amounts by state