Bankruptcy Exemptions: State Bankruptcy Laws for Chapter 7 or Chapter 13 Bankruptcy

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What are Bankruptcy Exemptions?

Every state has laws that designate certain types of property (your home, some personal possessions, tools of your trade) that are off-limits to "unsecured" creditors -- that is, creditors who do not have a lien on your property. Credit card debt and medical bills are the two the most common types of unsecured debt (unless you have a special 'secured' credit card).

Unsecured creditors cannot force you to sell your exempt property to pay off the debt. Even if the creditor goes to court wins a court judgment against you, and takes steps to attach a 'judgment lien' to your property, you are still entitled to your exemption amount before any sale proceeds are distributed to the unsecured creditor. (However, some debts, like child support, may be an exception.)

If you eventually do sell your property voluntarily, the creditor has a right to have its lien paid from the sale proceeds before you receive anything. As a practical matter, most people facing bankruptcy only own property that is exempt, and have no interest in selling what they have. If all of your property is protected by exemption laws, you are said to be "judgment proof" -- whether or not you file for bankruptcy.

If you do file for bankruptcy and all your property is exempt, your case is known as a "no asset" bankruptcy--which really means you have no non-exempt assets.

In bankruptcy, a court official called the "bankruptcy trustee" represents the rights of all unsecured creditors. The trustee can assert whatever rights the creditors would have if they had a court judgment against you.

Another important thing to remember about exemptions is that it only protects the "equity" in your property. That is the difference between the value of the property, and what you owe to secured creditors.

If you contractually agreed to pledge your property as collateral for a debt, this property is known as "secured property," and the debt is called a "secured" debt, and the person you owe is a "secured creditor" and they have a "security interest" in the property. If the debt was incurred to purchase the property itself (e.g. a car loan or first mortgage), the creditor is said to have a "purchase money security interest" (PMSI). Exemption laws offer no protection against such contractual agreements that give the creditor a PMSI.

EXAMPLE:

If you owe $10,000 on a $12,000 car, you have only $2,000 in equity. If your state has at least a $2,000 exemption for motor vehicles, that will be enough to protect the car in bankruptcy --(but you'll still need to make the car payments to the secured creditor.

On the other hand, if you own the vehicle free and clear, then your equity is the full value of the vehicle, and a $2,000 exemption would not enough to protect it. The trustee would force the sale of the car, you would get your exemption amount, and the trustee would get the rest of the proceeds to distribute to the unsecured creditors.

 

FOR MORE INFORMATION:

How to file lien avodance motions in bankruptcyThis topic is covered in more detail in Chapters 3, 4 and 5 of How to File for Chapter 7 Bankruptcy, 15th Edition, 2008.

Buy now: Nolo (publisher)

Which State's Exemptions Must You Use?

Legal test under the new bankruptcy law:

IF you have not lived in for at least two years...

Then, which state did you consider to be your domicile two years ago?

(If more than one state, choose the state in which you lived most for the six months ending two years ago from this date.)

How to File for BankruptcyExcerpt from
How to File For Chapter 7 Bankruptcy

15th Edition, (Nolo 2008)
Elias, Renauer, Leonard

New Residency Requirements for Using State Exemptions

Prior to the new bankruptcy law, filers used the exemptions of the state where they lived when they filed for bankruptcy. Under the new rules, however, some filers will have to use the exemptions of the state where they used to live. Congress was concerned about people gaming the system by moving to states with liberal exemptions just to file for bankruptcy. As a result, it passed residency requirements filers have to meet before they can use a state’s exemption system.
Here are the new rules that apply to exemptions for everything but a home:

  • If you have lived or made your residence in your current state for at least two years, you can use that state’s exemptions.
  • If you have lived or made your residence in your current state for more than 91 days but less than two years, you must use the exemptions of the state where you lived for the better part of the 180-day period immediately prior to the two-year period preceding your filing.
  • If you have lived or made your residence in your current state for fewer than 91 days, you’ll need to wait until you have lived there for at least 91 days before you can file (and then use whatever exemptions are available to you according to the rules set out above).
  • If the state you are filing in offers a choice between the state and federal bankruptcy exemptions, you can use the federal exemption list regardless of how long you’ve been living in the state.
  • If these rules deprive you of the right to use any state’s exemptions, you can use the federal exemption list. For example, some states allow their exemptions to be used only by current state residents, which might leave former residents who haven’t lived in their new home state for at least two years without any available state exemptions.

A longer residency requirement applies to homestead exemptions: If you acquired a home in your current state within the 40 months before you file for bankruptcy (and you didn’t purchase it with the proceeds from selling another home in that state), your homestead exemption will be subject to a cap of $125,000, even if the state homestead exemption available to you is larger. For detailed information on homestead exemptions, see Ch. 4.

NOTE - a potential 'Catch 22': In some states, exemption rules can only be used by a resident, or if you have your "domicile" there. But the federal rule says you must use the state you moved away from. So.... if your former state, for which you may "qualify" under the federal formula, has exemption laws that do not apply to non-residents -- then your your answer gets more complicated. See the site exemptionsexpress.com/How.htm for a more detailed explanation of this issue.

Common Exceptions to Exemptions

Child support
Taxes
Secured claim holders

Special Rules for Retirement Accounts

Under a new provision of the bankruptcy law, enacted in October 2005, virtually all types of pension and retirement accounts recognized by the IRS are completely exempt regardless of what state you live in.

This provision exempts "retirement funds to the extent that those funds are in a fund or account that is exempt from taxation under Sections 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code."

This list covers 401(k)s, 403(b)s, profit-sharing and money purchase plans, IRAs (including SEP and SIMPLE plans), as well as defined-benefit plans.

The exemption applies whether you rely on the list of federal bankruptcy exemptions (11 U.S.C. 522(d)(12)) or the exemption laws of your own state (See 11 U.S.C. 522(b)(3)(C)). Section 522(b)(4) spells out the specific requirements for qualifying under these provisions.

These exemptions are unlimited, except for Roth and traditional IRAs, which are capped at an aggregate IRA account value of $1 million per individual (adjusted every three years for inflation). (See 11 U.S.C. 522(n))

SEP and SIMPLE IRAs, along with all other types of non-IRA retirement accounts such as 401(k)s and 403(b)s, are completely exempt.

More Info

For more details, see an excellent summary of how retirement accounts are treated under the new bankruptcy law from the August 2005 issue of the Journal of Financial Planning.

References to the Internal Revenue Code

The new bankruptcy law exemption for retirement accounts includes all funds "exempt from taxation under section 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986."
Those sections cover:

  • 401 (a qualified pension, profit-sharing and stock bonus plan created under a trust established by an employer for the exclusive benefit of employees or beneficiaries)
  • 403 (qualified annuity plans that are established by an employer for an employee under IRC 404(a)(2) or 501(c)(3))
  • 408 (IRAs)
  • 408A (Roth IRAs)
  • 414 (other retirement plan for controlled groups of employees such as churches, partnerships, proprietorships, and governments)
  • 457 (eligible deferred compensation plans) or
  • 501(a) (retirement plans established and maintained by tax-exempt organizations, e.g. churches, nonprofit organizations)

Special 'exclusion' of education accounts

Under the new bankruptcy law, education savings accounts or education IRAs created under sections 529 or 530 of the Internal Revenue Code are 'excluded' from the bankruptcy estate (not quite the same as 'exempt' but with the same result).

See, 11 U.S.C. 541(b)(6), (529 Education Tuition Plans) and 11 U.S.C. 541(b)(5) (530 Coverdell IRAS)

NOTE: Even though these education accounts are excluded from the bankruptcy estate, you still must list them on your forms (See section (11 U.S.C. 521(c).)

Also excluded are:

  • benefits governed by ERISA (Click here for government info on ERISA and pensions.)
  • 414(d)(governmental retirement plans),
  • IRC 457 (deferred compensation)
  • 403(b)( tax deferred annuity plan including church plans, etc)

See 11 U.S.C. 541(b)(7)

Special Rules for Retirement Accounts

Under a new provision of the bankruptcy law, enacted in October 2005, virtually all types of pension and retirement accounts recognized by the IRS are completely exempt regardless of what state you live in.

This provision exempts "retirement funds to the extent that those funds are in a fund or account that is exempt from taxation under Sections 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code."

This list covers 401(k)s, 403(b)s, profit-sharing and money purchase plans, IRAs (including SEP and SIMPLE plans), as well as defined-benefit plans.

The exemption applies whether you rely on the list of federal bankruptcy exemptions (11 U.S.C. 522(d)(12)) or the exemption laws of your own state (See 11 U.S.C. 522(b)(3)(C)). Section 522(b)(4) spells out the specific requirements for qualifying under these provisions.

These exemptions are unlimited, except for Roth and traditional IRAs, which are capped at an aggregate IRA account value of $1 million per individual (adjusted every three years for inflation). (See 11 U.S.C. 522(n))

SEP and SIMPLE IRAs, along with all other types of non-IRA retirement accounts such as 401(k)s and 403(b)s, are completely exempt.

More Info

For more details, see an excellent summary of how retirement accounts are treated under the new bankruptcy law from the August 2005 issue of the Journal of Financial Planning.

References to the Internal Revenue Code

The new bankruptcy law exemption for retirement accounts includes all funds "exempt from taxation under section 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986."
Those sections cover:

  • 401 (a qualified pension, profit-sharing and stock bonus plan created under a trust established by an employer for the exclusive benefit of employees or beneficiaries)
  • 403 (qualified annuity plans that are established by an employer for an employee under IRC 404(a)(2) or 501(c)(3))
  • 408 (IRAs)
  • 408A (Roth IRAs)
  • 414 (other retirement plan for controlled groups of employees such as churches, partnerships, proprietorships, and governments)
  • 457 (eligible deferred compensation plans) or
  • 501(a) (retirement plans established and maintained by tax-exempt organizations, e.g. churches, nonprofit organizations)

Special 'exclusion' of education accounts

Under the new bankruptcy law, education savings accounts or education IRAs created under sections 529 or 530 of the Internal Revenue Code are 'excluded' from the bankruptcy estate (not quite the same as 'exempt' but with the same result).

See, 11 U.S.C. 541(b)(6), (529 Education Tuition Plans) and 11 U.S.C. 541(b)(5) (530 Coverdell IRAS)

NOTE: Even though these education accounts are excluded from the bankruptcy estate, you still must list them on your forms (See section (11 U.S.C. 521(c).)

Also excluded are:

  • benefits governed by ERISA (Click here for government info on ERISA and pensions.)
  • 414(d)(governmental retirement plans),
  • IRC 457 (deferred compensation)
  • 403(b)( tax deferred annuity plan including church plans, etc)

See 11 U.S.C. 541(b)(7)

Insurance Exemption Glossary

Insurance exemptions use a lingo all their own and some familiarity with the jargon is essential to understanding what is exempt.

Three kinds of insurance assets

You may own a property interest in life insurance in three different ways: you may own an unmatured life insurance contract (with no cash value - e.g. a term life insurance policy), you may own cash value in an unmatured life insurance policy (e.g. a whole life policy), and you may, as a beneficiary, be entitled to proceeds from a matured life insurance policy.

"Matured" simply means that the conditions of the policy have have been met. A matured policy is paying proceeds to the beneficiary of the insured.

An unmatured policy is not paying proceeds, but, can still have a current value in two ways:

1. In the case of a "term life" policy, the continued existence of the contract itself can be said to have value, even if it cannot be converted to cash.

2. Other kinds of of policies can have accumulate value over time, and that value that can be borrowed against, or turned into cash if the policy is 'surrendered' (see "avails" below).

Reading insurance exemptions

Many states have unlimited exemptions for insurance proceeds. However, most states offer only limited exemptions for the cash or loan value of an unmatured policy.

A few states, however, offer unlimited exemptions for the cash value of such policies, or policies offered by 'fraternal benefit societies.' In such states, life insurance is often an important component of an overall asset protection strategy.

Other terms

Avails: Any amount available to the owner of an insurance policy other than the actual proceeds of the policy. Avails include dividend payments, interest, cash or surrender value (the money you'd get if you sold your policy back to the insurance company) and loan value (the amount of cash you can borrow against the policy).

 

Dealing with Secured Auto Loans in Bankruptcy

Bankruptcy offers the option of keeping your secured property by immediately paying it's current replacement value of the object rather than the loan amount. This can be an attractive option for those with auto loans where the value of the car has most likely depreciated faster than the loan balance. However, coming up with the full amount in cash can be difficult if not impossible. In the past few years, a few alternatives have arisen.

Vendors of "Redemption Financing"

The companies listed below specializes in making auto loans to bankrupt debtors seeking the bankruptcy option of "redemption" of their vehicle, whereby the debtor keeps the car by immediately paying the vehicle's current market value (replacement value) rather than the full loan amount over time. These companies will finance a new auto loan (generally through a bank) to produce the cash to pay the redemption amount to your original creditor, and then you pay the redemption amount to the new lender over time. Of course, if you miss payments under the new loan, you'll still lose the vehicle, but at least your monthly payments should be smaller. The new lender takes ownership of the lien on your car. Debtors must have an otherwise good credit history to qualify, and the car must be in good enough condition (i.e. worth enough) to protect the bank's loan.

722 Redemption Financing (via US Bank)

This company specializes in making auto loans (through US Bank) to debtors seeking the option of "redemption" available to those in bankruptcy whereby the debtor can keep a car by paying the current market value (replacement value) of the automobile rather than the loan amount. The company will finance redemption of your existing automobile, or arrange financing for a replacement automobile. Debtors must have an otherwise good credit history to qualify. See the site for more information.

The site has special home pages for debtors, debtors attorneys, creditors, creditors attorneys, bankruptcy trustees, auto dealers.

Of course, if you can't make the payments on this revised amount loan, you'll still lose the car, just to a different lender. So this option is only a solution if you can make the payments on the reduced amount.

FreshStart Loan Corporation

Fresh Start Loan Corporation, a Delaware Corporation, dba Redemption Financial Services™ is a duly licensed Consumer Loan Company that began its operations in 1999. The company is now licensed in 12 states*, with licenses pending in 6 states** as of January, 2005.

Paul D. Kirschner, President, General Counsel, Fresh Start Loan Corporation . All employees of Fresh Start Loan Corporation, its loan officers, loan processors, customer service and intake employees are located at our headquarters in Gig Harbor, Washington.

* Licensed in Alaska, Alabama, Arizona, Georgia, Florida, Hawaii, Indiana, Kentucky, Missouri, Oregon, Utah and Washington
** Licenses Pending in California, Illinois, Mississippi, New York, Nevada and Ohio

Eliminating judicial liens on exempt property

If there is a lien on your property as a result of a court judgment against you, you may have the right to remove it if it "impairs" an exemption on the property. That is, if the equity in your property is protected by an exemption, you can get the judicial lien on it removed by the bankruptcy court as another element of the "fresh start" that bankruptcy is designed to provide.

If there are judicial liens on your property, be sure to determine which ones can be eliminated through the "lien avoidance" procedure. Some liens cannot be removed however, including a judicial lien that secures a domestic support obligation. 11 U.S.C.A. § 522(f)(1)(A).

How to file lien avodance motions in bankruptcyFor more information on lien avoidance, when it's available and step by step procedural guidance how to do it, see How to File for Chapter 7 Bankruptcy, 14th Edition, by Elias, Renauer & Leonard. Buy now: Nolo :: Powell's :: Amazon

Note that some judicial district web sites have links for those who provide free legal assistance to debtors who need representation in a lien avoidance proceeding.

<-- Jump to your state

AL AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Disclaimer

Citations and links to primary law and secondary sources are provided for those who wish to do further research. Every effort has been made to make this information up to date and accurate, but laws can and do change without notice. Persons relying on this information are responsible for confirming its timeliness and accuracy before relying on it. (This information was updated in March 2009.)

Also bear in mind that these brief summaries do not list every detail or exception to these exemptions. For example, there are often exceptions for collection of child support debt and/or taxes. These listings are designed to inform you of laws that exist for your benefit, so that you may exercise what rights you may have.

Finally, this website is intended to provide information only. It cannot answer whether your property does or does not qualify for a specific exemption.

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50 State Homestead Exemptions & Other Bankruptcy Exemptions

(Portions reprinted by permission from How to File for Chapter 7 Bankruptcy, Nolo © 2008-2012)

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Alabama Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Alabama.

Alabama Homestead Exemption

 

Real property or mobile home to $5,000; property cannot exceed 160 acres (husband & wife may double)

Wage Garnishment Law

 

75% of earned but unpaid wages; bankruptcy judge may authorize more for low-income debtors. (With respect to consumer loans, consumer credit sales, and consumer leases, 75% of weekly net earnings or 30 times the federal minimum hourly wage)

Automobiles

 

none (see wild card)

Other Property

 

Clothes, family pictures and family books

Wild Card

 

$3,000 of any personal property, except wages (husband & wife may double)

   

more Alabama Bankruptcy Exemptions...

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Alaska Bankruptcy Law - State Exemptions

In Alaska, a debtor may choose State or Federal bankruptcy exemptions.

Alaska Homestead Exemption

 

Principal residence up to $72,900 (joint owners may each claim a portion, but total can't exceed $72,900)

Wage Garnishment Law

 

Weekly net earnings to $473; for sole wage earner in a household, $743; if you don't receive weekly or semi-monthly pay, can claim $1,890 in cash or liquid assets paid any month; for sole wage earner in household, $2,970

Automobiles

 

Up to $4,050 worth of one vehicle, as long as the total value of the vehicle does not exceed $27,000.

Other Property

 

Up to $4,050 worth of total personal property, including: clothing and household goods, books and musical instruments.
Up to $1,350 worth of jewelry.
Up to $3,780 worth of professional books, tools and implements.
Up to $1,350 of pets.
100 percent of health aids, burial plots and certain benefits.

Wild Card

 

none

   

more Alaska Bankruptcy Exemptions...

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Arizona Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Arizona.

Arizona Homestead Exemption

 

$150,000 for real property, an apartment, or mobile home you occupy to; sale proceeds exempt 18 months after sale or until new home purchased, whichever occurs first (husband & wife may not double)

Wage Garnishment Law

 

75% of earned but unpaid weekly net earnings or 30 times the federal minimum hourly wage; 50% of wages for support orders; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Up to $6,000 ($12,000, if debtor is physically disabled)

Other Property

 

household furniture & appliances to $6,000 (see );Books to $250; clothing to $500; wedding & engagement rings to $2,000; watch to $150; pets, horses, milk cows, & poultry to $800; musical instruments to $400; food and fuel to last six months; $500 of clothing; health aids (see details for more)

Wild Card

 

None

   

more Arizona Bankruptcy Exemptions...

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Arkansas Bankruptcy Law - State Exemptions

In Arkansas, a debtor may choose State or Federal bankruptcy exemptions.

Arkansas Homestead Exemption

 

For married person or head of family: unlimited exemption on real or personal property used as residence to 1/4 acre in city, town, or village, or 80 acres elsewhere; if property is between 1/4 to 1 acre in city, town, or village, or 80-160 acres elsewhere, additional limit is $2,500; homestead may not exceed 1 acre in city, town, or village, or 160 acres elsewhere (husband & wife may not double)

Wage Garnishment Law

 

Earned but unpaid wages due for 60 days; in no event less than $25 per week

Automobiles

 

$200 is maximum personal property exemption allowed under the Arkansas Constitution, although the statute allows an exemption of $1,200. Courts have held that amounts in excess of the Arkansas constitution are unconstitutional.

Other Property

 

Clothing, wedding rings (see wild card). However, $200 is maximum personal property exemption allowed under the Arkansas Constitution, even if a statute allows more.

Wild Card

 

Arkansas statute allows $500 of any personal property if married or head of family; $200 if not married. However, $200 is maximum personal property exemption allowed under the Arkansas Constitution, even if a statute allows more.

   

more Arkansas Bankruptcy Exemptions...

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California Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in California.

California Homestead Exemption

 

Real or personal property you occupy including mobile home, boat, stock cooperative, community apartment, planned development, or condo to $75,000 if single & not disabled; $100,000 for families if no other member has a homestead (if only one spouse files, may exempt one-half of amount if home held as community property and all of amount if home held as tenants in common); $175,000 if 65 or older, or physically or mentally disabled; $175,000 if 55 or older, single, & gross annual income under $25,000 or married & gross annual income under $35,000 & creditors seek to force the sale of your home; forced sale proceeds received exempt for 6 months after; separated but married debtor may claim homestead in community property still occupied by other spouse. (Husband & wife may not double)

Wage Garnishment Law

 

Minimum 75% of wages paid within 30 days prior to filing

Automobiles

 

Motor vehicles to $2,725, or $2,725 in auto insurance for loss or damages (husband and wife may not double)

Other Property

 

Jewelry, heirlooms & art to $7,175 total (husband and wife may not double)Health aids
Building materials to repair or improve home to $2,875 (husband and wife may not double)
Tools, implements, materials, instruments, uniforms, books, furnishings, & equipment to $7,175 total ($14,350 total if used by both spouses in same occupation); amount of exemption for commercial motor vehicle not to exceed $4,850 ($9,700 if used by debtor and spouse in same trade)

Wild Card

 

None (use federal non-bankruptcy wage exemption)

   

more California Bankruptcy Exemptions...

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Colorado Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Colorado.

Colorado Homestead Exemption

 

Real property, mobile home, manufactured home, or house trailer you occupy to $60,000; $90,000 if owner, spouse, or dependent is disabled or age 60 or older; sale proceeds exempt 2 years after received (husband & wife may double)

Wage Garnishment Law

 

Minimum 75% of weekly net earnings or 30 times the federal or state minimum wage, whichever is greater, including pension and insurance payments

Automobiles

 

Motor vehicles or bicycles used for work to $5,000; to $10,000 if used by a debtor or by a dependent who is disabled or age 60 or older

Other Property

 

Clothing to $1,500
Food & fuel to $600
Health aids
Household goods to $3,000
Jewelry & articles of adornment to $2,000
Family pictures & books to $1,500

Wild Card

 

None

   

more Colorado Bankruptcy Exemptions...

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Connecticut Bankruptcy Law - State Exemptions

In Connecticut, a debtor may choose State or Federal bankruptcy exemptions.

Connecticut Homestead Exemption

 

Owner occupied real property, co-op or mobile manufactured home, to $75,000 (husband & wife may double); applies only to claims arising after 1993, but to $125,000 in the case of a money judgment arising out of services provided at a hospital.

Wage Garnishment Law

 

Minimum 75% of earned but unpaid weekly disposable earnings, or 40 times the state or federal hourly minimum wage, whichever is greater

Automobiles

 

$3,500

Other Property

 

Wedding & engagement rings
Appliances, food, clothing, furniture, bedding
Health aids needed
Transfers to a nonprofit debt adjuster

Wild Card

 

$1,000 of any property

   

more Connecticut Bankruptcy Exemptions...

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Delaware Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Delaware.

Delaware Homestead Exemption

 

Equity in real property or equity in a manufactured home that is debtors principal residence not to exceed $75,000 in 2010, $100,000 in 2011, and $125,000 in 2012;
$125,000 for persons totally disabled from working or married persons where at least one of the spouses is 65 years old or older. (joint filers may not double)

Wage Garnishment Law

 

85% of earned but unpaid wages

Automobiles

 

Vehicle necessary for purposes of employment to $15,000

Other Property

 

$25,000 (maximum) for any personal property and/or equity in real property, other than the debtor's principal residence
Tools of trade up to $15,000.

Wild Card

 

$500 of any personal property, except tools of trade, if head of family

   

more Delaware Bankruptcy Exemptions...

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District of Columbia Bankruptcy Law - State Exemptions

In District of Columbia, a debtor may choose State or Federal bankruptcy exemptions.

District of Columbia Homestead Exemption

 

Any property used as a residence or co-op that debtor or debtor's dependent uses as a residence

Wage Garnishment Law

 

Minimum 75% of earned but unpaid wages, pension payments; bankruptcy judge may authorize more for low-income debtors
Nonwage (including pension & retirement) earnings to $200/mo for head of family; else $60/mo for a maximum of two months

Automobiles

 

$2,575

Other Property

 

Appliances, books, clothing, household furnishings, and goods, musical instruments, pets to $425 per item or $8,625 total
All family pictures; and all the family library, to $400

Wild Card

 

Up to $850 in any property, plus up to $8,075 of unused homestead exemption

   

more District of Columbia Bankruptcy Exemptions...

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Florida Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Florida.

Florida Homestead Exemption

 

Real or personal property including mobile or modular home to unlimited value; cannot exceed half acre in municipality or 160 acres elsewhere; spouse or child of deceased owner may claim homestead exemption (husband & wife may double)

Wage Garnishment Law

 

100% of wages for heads of family up to $500 per week either unpaid or paid and deposited into bank account for up to 6 months

Automobiles

 

Motor vehicle to $1,000

Other Property

 

Any personal property to $1,000 (husband & wife may double)
$4,000 of any personal property in lieu of homestead exemption. This exemption does not apply to a debt owed for child support or spousal support.
Health aids

Wild Card

 

See personal property

   

more Florida Bankruptcy Exemptions...

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Georgia Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Georgia.

Georgia Homestead Exemption

 

Real or personal property, including co-op, used as residence to $21,500 ($43,000 if married, and the property is solely owned by one spouse); up to $5,000 of unused portion of homestead may be applied to any property

Wage Garnishment Law

 

Minimum 75% of earned but unpaid weekly disposable earnings, or 40 times the state or federal hourly minimum wage, whichever is greater, for private & federal workers; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicles to $5,000

Other Property

 

Animals, crops, clothing, appliances, books, furnishings, household goods, musical instruments to $300 per item, $5,000 total
Jewelry to $500
Health aids

Wild Card

 

Unused portion of homestead exemption to $5,000
$600 of any property

   

more Georgia Bankruptcy Exemptions...

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Hawaii Bankruptcy Law - State Exemptions

In Hawaii, a debtor may choose State or Federal bankruptcy exemptions.

Hawaii Homestead Exemption

 

Head of family or over 65 to $30,000; all others to $20,000; property cannot exceed 1 acre; sale proceeds exempt for 6 months after sale (husband & wife may not double)

Wage Garnishment Law

 

Unpaid wages due for services of past 31 days

Automobiles

 

Motor vehicle to wholesale value of $2,575

Other Property

 

Jewelry, watches, & articles of adornment to $1,000
100% of Appliances & furnishings, Books & Clothing used by debtor and family
100% of Tools, implements, books, instruments, uniforms, furnishings, fishing boat, nets, motor vehicle, & other property needed for livelihood

Wild Card

 

None

   

more Hawaii Bankruptcy Exemptions...

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Idaho Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Idaho.

Idaho Homestead Exemption

 

Real property or mobile home to $100,000; sale proceeds exempt for 6 months (husband and wife may not double)

Wage Garnishment Law

 

Minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage, whichever is greater; pension payments; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

$7,000

Other Property

 

Appliances, furnishings, books, clothing, pets, musical instruments, 1 firearm, family portraits, & sentimental heirlooms to $750 per item, $7,500 total
Building materials
Crops cultivated on maximum of 50 acres, to $1,000; water rights to 160 inches
Health aids
Jewelry to $1,000
Tools of trade to $2,500

Wild Card

 

$800 in any tangible personal property

   

more Idaho Bankruptcy Exemptions...

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Illinois Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Illinois.

Illinois Homestead Exemption

 

Real or personal property including a farm, lot, & buildings, condo, co-op, or mobile home to $15,000 (husband and wife may double); sale proceeds exempt for 1 year

Wage Garnishment Law

 

Minimum 85% of earned but unpaid weekly wages or 45 times the federal minimum hourly wage; bankruptcy judge may authorize more for low-income debtors. However, several recent cases have held that wages are not exempt in Illinois.

Automobiles

 

$2,400

Other Property

 

See Wild Card
Bible, family pictures, schoolbooks, & clothing
Health aids
Implements, books, & tools of trade to $1,500

Wild Card

 

$4,000 of any personal property (does not include wages)

   

more Illinois Bankruptcy Exemptions...

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Indiana Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Indiana.

Indiana Homestead Exemption

 

Real or personal property used as residence to $17,600 (husband and wife may double);
Property held as tenancy by the entirety may be exempt against debts incurred by only one spouse

Wage Garnishment Law

 

Minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

No specific exemption

Other Property

 

Health aids
$350 of any intangible personal property, except money owed to you
Health or medical savings accounts under state or federal law.
Education or college savings accounts under IRC 529 or 530, contributions made at least 1 year before filing.

Wild Card

 

$9,350 of any real estate or tangible personal property

   

more Indiana Bankruptcy Exemptions...

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Iowa Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Iowa.

Iowa Homestead Exemption

 

Real property or an apartment to an unlimited value; property cannot exceed 1/2 acre in town or city, 40 acres elsewhere (husband & wife may not double)

Wage Garnishment Law

 

Expected annual earnings Amount NOT exempt per year
$0 to $12,000 -- $250
$12,000 to $16,000 -- $400
$16,000 to $24,000 -- $800
$24,000 to $35,000 -- $1,000
$35,000 to $50,000 -- $2,000
More than $50,000 -- 10%
Not exempt from spousal or child support

Automobiles

 

$7,000

Other Property

 

Clothing & its storage containers, household furnishings, appliances, musical instruments, and other personal property to $7,000
Bibles, books, portraits, pictures, & paintings to $1,000 total
Rifle or musket; shotgun
Wedding or engagement rings, limited to $7,000 if purchased after the date of marriage and less than two prior to years of filing.

Wild Card

 

$1,000 of any personal property, including cash

   

more Iowa Bankruptcy Exemptions...

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Kansas Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Kansas.

Kansas Homestead Exemption

 

Real property or mobile home you occupy or intend to occupy to unlimited value; property cannot exceed 1 acre in town or city, 160 acres on farm. If existing homestead land is annexed by city, homestead retains its prior protection despite annexation.

Wage Garnishment Law

 

Minimum 75% of disposable weekly wages or 30 times the federal minimum hourly wage per week, whichever is greater; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

$20,000; if designed or equipped for disabled person, no limit

Other Property

 

Furnishings & household equipment
Clothing to last 1 year
Food & fuel to last 1 year
Jewelry & articles of adornment to $1,000
Tools of trade: Books, documents, furniture, instruments, equipment, breeding stock, seed, grain, & stock to $7,500 total

Wild Card

 

None

   

more Kansas Bankruptcy Exemptions...

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Kentucky Bankruptcy Law - State Exemptions

In Kentucky, a debtor may choose State or Federal bankruptcy exemptions.

Kentucky Homestead Exemption

 

Real or personal property used as residence to $5,000; sale proceeds exempt

Wage Garnishment Law

 

Minimum 75% of disposable weekly earnings or 30 times the federal minimum hourly wage per week, whichever is greater; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

$2,500

Other Property

 

Burial plot to $5,000, in lieu of homestead
Clothing, jewelry, articles of adornment, & furnishings to $3,000 total

Wild Card

 

$1,000 of any property

   

more Kentucky Bankruptcy Exemptions...

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Louisiana Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Louisiana.

Louisiana Homestead Exemption

 

Property you occupy to $25,000 (if debt is result of catastrophic or terminal illness or injury, limit is full value of property as of 1 year before filing); cannot exceed 5 acres in city or town, 200 acres elsewhere (husband & wife may not double)

Wage Garnishment Law

 

Minimum 75% of disposable weekly earnings or 30 times the federal minimum hourly wage per week, whichever is greater; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

$7,500
$7,500 of equity in a motor vehicle modified for disability

Other Property

 

Arms, military accoutrements; bedding; dishes, glassware, utensils, silverware (nonsterling); clothing, family portraits, musical instruments; bedroom, living room, & dining room furniture; poultry, 1 cow, household pets; heating & cooling equipment, refrigerator, freezer, stove, washer & dryer, iron, sewing machine
Engagement & wedding rings to $5,000

Wild Card

 

None

   

more Louisiana Bankruptcy Exemptions...

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Maine Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Maine.

Maine Homestead Exemption

 

Real or personal property (including cooperative) used as residence to $47,500; if debtor has minor dependents in residence, to $95,000; if debtor over age 60 or physically or mentally disabled, $95,000 (joint debtors in this category may double); proceeds of sale exempt for six months

Wage Garnishment Law

 

None (use federal nonbankruptcy wage exemption)

Automobiles

 

$5,000

Other Property

 

Animals, crops, musical instruments, books, clothing, furnishings, household goods, appliances to $200 per item
Food to last 6 months
Fuel not to exceed 10 cords of wood, 5 tons of coal, or 1,000 gal. of heating oil
Jewelry to $750; no limit for one wedding & one engagement ring
Several tools of trade exemptions (see more..)

Wild Card

 

$400, in any property
Unused portion of exemption in homestead to $6,000; or unused exemption in animals, crops, musical instruments, books, clothing, furnishings, household goods, appliances, tools of the trade, & personal injury recoveries

   

more Maine Bankruptcy Exemptions...

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Maryland Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Maryland.

Maryland Homestead Exemption

 

Owner occupied residential property or condo or co-op to $22,975 (husband and wife may not double)
Property held as tenancy by the entirety is exempt against debts owed by only one spouse

Wage Garnishment Law

 

Earned but unpaid wages, the greater of 75% or $145 per week; in Kent, Caroline, & Queen Anne's of Worcester Counties, the greater of 75% or 30 times federal minimum hourly wage

Automobiles

 

none (see Wild Card)

Other Property

 

Appliances, furnishings, household goods, books, pets, & clothing to $1000 total Clothing, books, tools, instruments, & appliances needed for trade or profession to $5,000

Wild Card

 

$6,000 of cash or any property; must claim exemption within 30 days of levy or attachment.

   

more Maryland Bankruptcy Exemptions...

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Massachusetts Bankruptcy Law - State Exemptions

In Massachusetts, a debtor may choose State or Federal bankruptcy exemptions.

Massachusetts Homestead Exemption

 

Automatic homestead $125,000; Declared homestead $500,000 for property you occupy or intend to occupy (including mobile home); (co-owners may not double) (special rules if over 62 or disabled, may double to 1,000,00).

Wage Garnishment Law

 

85% of gross wages OR 50 times minimum wage per week

Automobiles

 

$7,500; $15,000 if used by elderly or disabled debtor

Other Property

 

Beds & bedding; heating unit; clothing
Bibles & books to $200 total; sewing machine to $200
Cash for fuel, heat, water, or light to $75 per month
Cash to $200/month for rent, in lieu of homestead
2 cows, 12 sheep, 2 swine, 4 tons of hay
Food or cash for food to $300
Furniture to $3,000;
Trust company, bank, or credit union deposits to $500

Wild Card

 

up to $1,000 plus up to $5,000 unused about of exemptions for automobile, household furnishings, and tools of trade

   

more Massachusetts Bankruptcy Exemptions...

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Michigan Bankruptcy Law - State Exemptions

In Michigan, a debtor may choose State or Federal bankruptcy exemptions.

Michigan Homestead Exemption

 

Real property including condo to $37,775, $56,650 if elderly or disabled; property cannot exceed 1 lot in town, village, city, or 40 acres elsewhere; spouse or children of deceased owner may claim homestead exemption. Spouses or unmarried co-owners may not double.

Wage Garnishment Law

 

Head of household may keep 60% of earned but unpaid wages (no less than $15/week), plus $2/week per nonspouse dependent; if not head of household may keep 40% (no less than $10/week)

Automobiles

 

$3,475

Other Property

 

Appliances, utensils, books, furniture, & household goods, to $600 each, to $3,775 total
Building & loan association shares to $1,175 par value, in lieu of homestead
Clothing; family pictures
1 computer & accessories to $650
Crops, farm animals, and feed for the farm animals to $2,525
Food & fuel to last family for 6 months
Church pew, slip, seat for entire family to $650
Household pets to $650
Professionally prescribed health aids
Tools, implements, materials, stock, apparatus, or other things needed to carry on occupation to $2,525 total

Wild Card

 

None

   

more Michigan Bankruptcy Exemptions...

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Minnesota Bankruptcy Law - State Exemptions

In Minnesota, a debtor may choose State or Federal bankruptcy exemptions.

Minnesota Homestead Exemption

 

Home and land on which it is situated to $390,000; if homestead is used for agricultural purposes, $975,000; cannot exceed 1/2 acre in city, 160 acres elsewhere (husband & wife may not double)

Wage Garnishment Law

 

Wages, paid within 6 mos. of returning to work, after receiving welfare or after incarceration; includes earnings deposited in a financial institution in the last 60 days
Minimum 75% of weekly disposable earnings or 40 times federal minimum hourly wage, whichever is greater

Automobiles

 

$4,600 (up to $46,000 if vehicle has been modified for disability)

Other Property

 

Appliances, furniture, jewelry, radio, phonographs, & TV to $10,350 total
Bible and books
Clothing, one watch, food, & utensils for family
Farm machines, implements, livestock, produce, & crops to $13,000 total
Tools, machines, instruments, stock in trade, furniture, & library to $11,500 total
Total value of Tools of Trade and Farm Machines combined cannot exceed $13,000

Wild Card

 

None

   

more Minnesota Bankruptcy Exemptions...

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Mississippi Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Mississippi.

Mississippi Homestead Exemption

 

Property you own & occupy to $75,000; if over 60 and married or widowed may claim a former residence; property cannot exceed 160 acres; sale proceeds exempt
Mobile home (as personal property) to $30,000 (Mobile home does not qualify as homestead unless you own land on which it is located)

Wage Garnishment Law

 

Earned but unpaid wages owed for 30 days; after 30 days, minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage, whichever is greater (bankruptcy judge may authorize more for low-income debtors)

Automobiles

 

No specific exemption

Other Property

 

Tangible personal property to $10,000: any items worth less than $200 each; furniture, dishes, kitchenware, household goods, appliances, 1 radio & 1 TV, 1 firearm, 1 lawnmower, clothing, wedding rings, motor vehicles, tools of the trade, books, crops, health aids, domestic animals (does not include works of art, antiques, jewelry, or electronic entertainment equipment)

Wild Card

 

$50,000 of any property, whether real, personal or mixed, tangible or intangible, including deposits of money, available to any Mississippi resident who is 70 years of age or older.

   

more Mississippi Bankruptcy Exemptions...

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Missouri Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Missouri.

Missouri Homestead Exemption

 

Real property to $15,000 or mobile home to $5,000 (joint owners may not double)

Wage Garnishment Law

 

Minimum 75% of weekly earnings (90% of weekly earnings for head of family), or 30 times the federal minimum hourly wage, whichever is more; bankruptcy judge may authorize more for low-income debtors
Wages of servant or common laborer to $90

Automobiles

 

Motor vehicles to $3,000 in aggregate

Other Property

 

Appliances, household goods, furnishings, clothing, books, crops, animals, & musical instruments to $3,000 total
Health aids
Wedding ring to 1,500, other jewelry to $500
Implements, books, & tools of trade to $3,000

Wild Card

 

$1,250 of any property if head of family, else $600; head of family may claim additional $350 per dependent child under age 21.

   

more Missouri Bankruptcy Exemptions...

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Montana Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Montana.

Montana Homestead Exemption

 

Real property or mobile home you occupy to $250,000; sale, condemnation, or insurance proceeds exempt for 18 months
Must record homestead declaration before filing for bankruptcy

Wage Garnishment Law

 

Minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage, whichever is greater; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

$2,500

Other Property

 

Appliances, household furnishings, goods, animals with feed, crops, musical instruments, books, firearms, sporting goods, clothing, & jewelry to $600 per item, $4,500 total
Implements, books, & tools of trade to $3,000 25-13-609(3) Uniforms, arms, accoutrements needed to carry out government functions

Wild Card

 

None

   

more Montana Bankruptcy Exemptions...

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Nebraska Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Nebraska.

Nebraska Homestead Exemption

 

$60,000 for married debtor or head of household; cannot exceed 2 lots in city or village, 160 acres elsewhere; sale proceeds exempt 6 months after sale (husband & wife may not double)

Wage Garnishment Law

 

Minimum 85% of earned but unpaid weekly disposable earnings or pension payments for head of family; minimum 75% of earned but unpaid weekly disposable earnings, or 30 times the federal hourly minimum wage, whichever is greater, for all others; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle if used to commute to work (as part of $2,400 tools of trade exemption)

Other Property

 

Furniture, household goods & appliances, household electronics, personal computers, books, & musical instruments to $1,500
Equipment or tools including a vehicle used in/or for commuting to principal place of business to $2,400 (husband & wife may double)

Wild Card

 

$2,500 of any personal property, except wages, in lieu of homestead

   

more Nebraska Bankruptcy Exemptions...

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Nevada Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Nevada.

Nevada Homestead Exemption

 

Real property or mobile home to $550,000 (husband & wife may not double)
Must record homestead declaration before filing for bankruptcy

Wage Garnishment Law

 

Minimum 75% of disposable weekly earnings or 50 times the federal minimum hourly wage per week, whichever is more; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle to $15,000; no limit on vehicle equipped for disabled person

Other Property

 

One gun
Appliances, household goods, furniture, electronics, clothing, home & yard equipment owned by debtor or dependent of debtor to $12,000 total
Books, works of art, musical instruments and jewelry to $5,000
Life insurace (no limit)
Annuity contracts (no limit)

Wild Card

 

$1,000

   

more Nevada Bankruptcy Exemptions...

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New Hampshire Bankruptcy Law - State Exemptions

In New Hampshire, a debtor may choose State or Federal bankruptcy exemptions.

New Hampshire Homestead Exemption

 

Real property or manufactured housing (and the land it's on if you own it) to $100,000

Wage Garnishment Law

 

50 times the federal minimum hourly wage per week

Automobiles

 

Motor vehicle to $4,000

Other Property

 

Beds, bedding, & cooking utensils
Furniture to $3,500
Bibles & books to $800
Church pew
Clothing
Cooking & heating stoves, refrigerator
1 cow, 6 sheep & their fleece, 4 tons of hay
Jewelry to $500
1 hog or pig or its meat (if slaughtered)
Domestic fowl to $300
Food & fuel to $400
Yoke of oxen or horse needed for farming or teaming
Tools of your occupation to $5,000

Wild Card

 

$1,000 of any property

   

more New Hampshire Bankruptcy Exemptions...

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New Jersey Bankruptcy Law - State Exemptions

In New Jersey, a debtor may choose State or Federal bankruptcy exemptions.

New Jersey Homestead Exemption

 

None, but survivorship interest of a spouse in property held as tenancy by the entirety is exempt from creditors of a single spouse

Wage Garnishment Law

 

90% of earned but unpaid wages if annual income under 250% of the poverty level for family size; 75% if annual income is more than that amount
Wages or allowances received by military personnel

Automobiles

 

no specific exemption

Other Property

 

Personal property & possessions of any kind, stock or interest in corporations to $1,000 total
Clothing
Furniture & household goods to $1,000

Wild Card

 

None (see personal property)

   

more New Jersey Bankruptcy Exemptions...

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New Mexico Bankruptcy Law - State Exemptions

In New Mexico, a debtor may choose State or Federal bankruptcy exemptions.

New Mexico Homestead Exemption

 

$60,000 (joint owners may double)

Wage Garnishment Law

 

Minimum 75% of disposable earnings or 40 times the federal hourly minimum wage, whichever is more; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle to $4,000

Other Property

 

Books & furniture
Building materials
Clothing
Jewelry to $2,500
Materials, tools & machinery to dig, drill, complete, operate, or repair oil line, gas well, or pipeline
Tools of trade $1,500

Wild Card

 

$500 of any personal property

   

more New Mexico Bankruptcy Exemptions...

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New York Bankruptcy Law - State Exemptions

In New York, a debtor may choose State or Federal bankruptcy exemptions.

New York Homestead Exemption

 

Real property including co-op, condo, or mobile home, to $150,000 for the counties of Kings, New York, Queens, Bronx, Richmond, Nassau, Suffolk, Rockland, Westchester, and Putnam; $125,000 for the counties of Dutchess, Albany, Columbia, Orange, Saratoga, and Ulster; $75,000 for the remaining counties in the state. (husband & wife may double)

Wage Garnishment Law

 

90% of earned but unpaid wages received within 60 days before & anytime after filing
100% of pay of noncommissioned officer, private, or musician in U.S. or N.Y. state armed forces

Automobiles

 

Motor vehicle to $4,000. $10,000 if vehicle equipped for a disabled person (husband & wife may double)

Other Property

 

Clothing, furniture, refrigerator, TV, radio, computer and cell phone, crockery, cooking utensils & tableware, dishes necessary for family;
Stoves and home heating equipment with fuel to last 120 days;
Wedding ring, jewelry and art to $1,000;
Religious texts, schoolbooks, other books to $500;
Church pew or seat;
Domestic animal with food to last 120 days, to $1,000;
(NY CPLR § 5205)

In bankruptcy, these personal property exemptions claimed under NY CPLR § 5205 may not exceed $10,000 total (including tools of trade & limited annuity) (NY DEBT & CRED § 282)

Wild Card

 

$1,000 if no homestead claimed

   

more New York Bankruptcy Exemptions...

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North Carolina Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in North Carolina.

North Carolina Homestead Exemption

 

Real or personal property, including co-op, used as residence to $35,000 (husband and wife may double) ($60,000 if 65 or older and spouse is deceased); up to $5,000 of unused portion of homestead may be applied to any property

Wage Garnishment Law

 

Earned but unpaid wages received 60 days before filing for bankruptcy, needed for support

Automobiles

 

Motor vehicle to $3,500

Other Property

 

Animals, crops, musical instruments, books, clothing, appliances, household goods & furnishings to $5,500 total; may add $1,000 per dependent, up to $4,000 total additional (all property must have been purchased at least 90 days before filing)
Implements, books, & tools of trade to $2,000


Wild Card

 

$5,000 less any amount claimed for homestead or burial exemption, of any property
$500 of any personal property

   

more North Carolina Bankruptcy Exemptions...

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North Dakota Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in North Dakota.

North Dakota Homestead Exemption

 

Real property, house trailer, or mobile home to $100,000 (husband & wife may not double)

Wage Garnishment Law

 

Minimum 75% of disposable weekly earnings or 40 times the federal minimum wage, whichever is more; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle to $2,950 or $32,000 for vehicle that has been modified to accommodate owner's disability

Other Property

 

1. All debtors may exempt: Bible, schoolbooks; other books
Burial plots, church pew;
Wearing apparel to $5,000, and all clothing of the debtor & debtor's family
Family pictures ;
Crops or grain raised by debtor on 160 acres where debtor resides; 28-22-02(8)
Food & fuel to last 1 year
Insurance proceeds for exempt property, if held in cash or invested in other exempt property
Motor vehicle to $2,950 or $32,000 for vehicle that has been modified to accommodate owner's disability 28-22-03.1(2)
Personal injury recoveries to $7,500
Wrongful death recoveries to $7,500

Wild Card

 

$7,500 of any property in lieu of homestead
Head of household not claiming crops or grain may claim $7,500 of any personal property
Non-head of household not claiming crops or grain may claim $3,750 of any personal property

   

more North Dakota Bankruptcy Exemptions...

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Ohio Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Ohio.

Ohio Homestead Exemption

 

Real or personal property used as residence to $132,900 (as of April 1, 2013)

Wage Garnishment Law

 

Minimum 75% of disposable weekly earnings or 40 times the federal hourly minimum wage, whichever is higher; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle to $3,675

Other Property

 

Animals, crops, books, musical instruments, appliances, household goods, furnishings, firearms, hunting & fishing equipment to $575 per item; jewelry to $1,550 for 1 or more items; $12,250 total.
Cash, money due within 90 days, tax refund, bank, security, & utility deposits to $400 total (husband & wife may double)
Implements, books, & tools of trade to $2,235

Wild Card

 

$1,225 of any property

   

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Oklahoma Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Oklahoma.

Oklahoma Homestead Exemption

 

Real property or manufactured home to unlimited value; property cannot exceed 1 acre in city, town, or village, or 160 acres elsewhere; $5,000 limit if more than 25% of total sq. ft. area used for business purposes; okay to rent homestead as long as no other residence is acquired

Wage Garnishment Law

 

75% of wages earned in 90 days before filing bankruptcy; bankruptcy judge may allow more if you show hardship

Automobiles

 

Motor vehicle to $7,500

Other Property

 


Books, portraits, & pictures
Clothing to $4,000
Household & kitchen furniture, personal computer & related equipment
Livestock for personal or family use: 5 dairy cows & calves under 6 months; 100 chickens; 20 sheep; 10 hogs; 2 horses, bridles, & saddles; forage & feed to last 1 year
Guns for household use to $2,000
Wedding and anniversary rings to $3,000

Wild Card

 

None

   

more Oklahoma Bankruptcy Exemptions...

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Oregon Bankruptcy Law - State Exemptions

In Oregon, a debtor may choose State or Federal bankruptcy exemptions.

Oregon Homestead Exemption

 

Real property, mobile home or houseboat you occupy or intend to occupy to $40,000 ($50,000 for joint owners); property cannot exceed 1 block in town or city or 160 acres elsewhere; sale proceeds exempt 1 year from sale, if you intend to purchase another home

Wage Garnishment Law

 

75% of disposable wages or $170 per week, whichever is greater; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle to $3,000 (husband & wife may double)

Other Property

 

Clothing, jewelry, & other personal items to $1,800 total (husband & wife may double)
Bank deposits to $7,500; cash for sold exempt property
Books, pictures, & musical instruments to $600 total (husband & wife may double)
Domestic animals, poultry, & pets to $1,000 plus food to last 60 days
Furniture, household items, utensils, radios, & TVs to $3,000 total
Pistol; rifle or shotgun (owned by person over 16) to $1,000

Wild Card

 

$400 of any personal property not already covered by existing exemption (husband & wife may double)

   

more Oregon Bankruptcy Exemptions...

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Pennsylvania Bankruptcy Law - State Exemptions

In Pennsylvania, a debtor may choose State or Federal bankruptcy exemptions.

Pennsylvania Homestead Exemption

 

None; however, property held as tenancy by the entirety may be exempt against debts owed by only one spouse

Wage Garnishment Law

 

Earned but unpaid wages

Automobiles

 

none

Other Property

 

Bibles & schoolbooks
Clothing
Military uniforms & accoutrements
Sewing machines

Wild Card

 

$300 of any property, including cash, real property, securities, or proceeds from sale of exempt property

   

more Pennsylvania Bankruptcy Exemptions...

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Rhode Island Bankruptcy Law - State Exemptions

In Rhode Island, a debtor may choose State or Federal bankruptcy exemptions.

Rhode Island Homestead Exemption

 

$500,000 in land & buildings you occupy or intend to occupy as a principal residence

Wage Garnishment Law

 

Earned but unpaid wages to $50
Earned but unpaid wages due military member on active duty
Earned but unpaid wages due seaman
Wages of any person who had been receiving public assistance are exempt for 1 year after going off of relief
Wages of spouse & minor children

Automobiles

 

Motor vehicles to $12,000

Other Property

 

Clothing
Beds, bedding, furniture, household goods, & supplies, to $9,600 total (husband & wife may not double)
Bibles & books to $300
Consumer cooperative association holdings to $50
Jewelry to $2,000
Working tools to $1,500
Library of practicing professional

Wild Card

 

$5,000

   

more Rhode Island Bankruptcy Exemptions...

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South Carolina Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in South Carolina.

South Carolina Homestead Exemption

 

Real property, including co-op, to $56,150 (joint owners to 112,275)

Wage Garnishment Law

 

None (use federal nonbankruptcy wage exemption)

Automobiles

 

Motor vehicle to $5,625

Other Property

 

Jewelry to $1,125
Animals, crops, appliances, books, clothing, household goods, furnishings, musical instruments to $4,500 total
Burial plot to $56,150, in lieu of homestead (joint owners may double)
Cash & other liquid assets to $5,625, in lieu of burial or homestead exemption
Implements, books, & tools of trade to $1,675

Wild Card

 

Up to $5,625 for any property, from unused exemptions amounts for homestead, burial, motor vehicle, personal property, jewelry or tool of trade exemptions.

   

more South Carolina Bankruptcy Exemptions...

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South Dakota Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in South Dakota.

South Dakota Homestead Exemption

 

Real property to unlimited value or mobile home (larger than 240 sq. ft. at its base and registered in state at least 6 months before filing) to unlimited value; property cannot exceed 1 acre in town or 160 acres elsewhere; sale proceeds to $30,000 ($170,000 if over age 70 or widow or widower who hasn't remarried) exempt for 1 year after sale (husband & wife may not double)

Wage Garnishment Law

 

Earned wages owed 60 days before filing bankruptcy, needed for support of family

Automobiles

 

no specific exemption

Other Property

 

Bible, schoolbooks; other books to $200
Burial plots, church pew
Clothing
Family pictures
Food & fuel to last 1 year

Wild Card

 

Head of family may claim $6,000, or nonhead of family may claim $4,000 of any personal property

   

more South Dakota Bankruptcy Exemptions...

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Tennessee Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Tennessee.

Tennessee Homestead Exemption

 

$5,000; $7,500 for joint owners; $25,000 if at least one dependent is a minor child. (if 62 or older, 12,500 if single; $20,000 if married; $25,000 if spouse is also 62 or older)

Wage Garnishment Law

 

Minimum 75% of disposable weekly earnings or 30 times the federal minimum hourly wage, whichever is more, plus $2.50 per week per child; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

no specific exemption

Other Property

 

$10,000 of any personal property including deposits on account with any bank or financial institution
Clothing & storage containers
Burial plots to 1 acre
Bible, schoolbooks, family pictures, & portraits

Wild Card

 

See personal property

   

more Tennessee Bankruptcy Exemptions...

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Texas Bankruptcy Law - State Exemptions

In Texas, a debtor may choose State or Federal bankruptcy exemptions.

Texas Homestead Exemption

 

Unlimited; property cannot exceed 10 acres in town, village, city or 100 acres (200 for families) elsewhere; sale proceeds exempt for 6 months after sale (renting okay if another home not acquired, Prop. 41.003)
Must file homestead declaration, or court will file it for you and charge you for doing so

Wage Garnishment Law

 

Unpaid commissions not to exceed 25% of total personal property exemptions

Automobiles

 

1 two-, three- or four-wheeled motor vehicle per family member or per single adult who holds a driver's license; or, if not licensed, who relies on someone else to operate vehicle

Other Property

 

Clothing & food
Home furnishings including family heirlooms
Jewelry (limited to 25% of total exemption)
Pets & domestic animals plus their food: 2 horses, mules, or donkeys & tack; 12 head of cattle; 60 head of other livestock; 120 fowl
Health aids (exempt from total)
Tools, equipment (includes boat & motor vehicles used in trade), & books

Wild Card

 

None

   

more Texas Bankruptcy Exemptions...

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Utah Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Utah.

Utah Homestead Exemption

 

Real property, mobile home, or water rights to $30,000 if primary residence; $5,000 if not primary residence (joint owners may double)

Wage Garnishment Law

 

Unpaid earnings as of the date of filing not more than 1/24th or of the annual Median Income for the state of Utah, or 1/12 if earnings are not paid more than once a month.

Automobiles

 

Motor vehicle to $3,000

Other Property

 

Animals, books, & musical instruments to $1,000
Artwork depicting, or done by, a family member
Bed, bedding, carpets
Clothing (cannot claim furs or jewelry)
Dining & kitchen tables & chairs to $1,000
Firearms to $250
Food to last 12 months
Health aids
Heirlooms to $1,000
Refrigerator, freezer, microwave, stove, sewing machine, washer & dryer
Sofas, chairs, & related furnishings to $1,000
Tools of trade to $5,000

Wild Card

 

None

   

more Utah Bankruptcy Exemptions...

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Vermont Bankruptcy Law - State Exemptions

In Vermont, a debtor may choose State or Federal bankruptcy exemptions.

Vermont Homestead Exemption

 

Real property or mobile home to $125,000; may also claim rents, issues, profits, & out-buildings (husband and wife may double)

Wage Garnishment Law

 

Minimum 75% of weekly disposable earnings or 30 times the federal minimum hourly wage, whichever is greater; bankruptcy judge may authorize more for low-income debtors
Entire wages, if you received welfare during 2 months before filing.
Note: In re Riendeau, 293 B.R. 832 (D.Vt. 2002) has held that Vermont's wage garnishment law Vt. Stat. Ann. tit. 12, 3170 does NOT create an exemption that can be used in bankruptcy.

Automobiles

 

Motor vehicles to $2,500

Other Property

 

Appliances, furnishings, goods, clothing, books, crops, animals, musical instruments to $2,500 total
Bank deposits to $700
Cow, 2 goats, 10 sheep, 10 chickens, & feed to last 1 winter; 3 swarms of bees plus honey; 5 tons coal or 500 gal. heating oil, 10 cords of firewood; 500 gal. bottled gas; growing crops to $5,000; yoke of oxen or steers, plow & ox yoke; 2 horses with harnesses, halters, & chains
Jewelry to $500; wedding ring unlimited
Stove, heating unit, refrigerator, freezer, water heater, & sewing machines

Wild Card

 

Unused exemptions for motor vehicle, tools of trade, jewelry, household furniture, appliances, clothing, & crops to $7,000
$400 of any property

   

more Vermont Bankruptcy Exemptions...

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Virginia Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Virginia.

Virginia Homestead Exemption

 

Must file homestead declaration before filing for bankruptcy
$5,000 plus $500 per dependent; rents & profits; sale proceeds exempt to $5,000 (husband & wife may double, unused portion of homestead may be applied to any personal property); if 65 or older, exemption is $10,000

Wage Garnishment Law

 

Minimum 75% of weekly disposable earnings or 40 times the federal minimum hourly wage, whichever is greater; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle to $6,000 ($10,000 if needed for occupation or education)

Other Property

 

Clothing to $1,000
Family portraits & heirlooms to $5,000 total
Household furnishings to $5,000
One Firearm to $3,000
Pets
Wedding and engagement rings
Tools, books, and instruments of trade, including motor vehicles, to $10,000, needed in your occupation or education
For farmer, pair of horses, or mules with gear; one wagon or cart, one tractor to $3,000; 2 plows & wedges; one drag, harvest cradle, pitchfork, rake; fertilizer to $1,000

Wild Card

 

Unused portion of homestead or personal property exemption
$10,000 of any property for disabled veterans

   

more Virginia Bankruptcy Exemptions...

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Washington Bankruptcy Law - State Exemptions

In Washington, a debtor may choose State or Federal bankruptcy exemptions.

Washington Homestead Exemption

 

Real property, manufactured home, or mobile home to $125,000; unimproved property intended for residence to $15,000 (husband and wife may not double)

Wage Garnishment Law

 

Minimum 75% of weekly disposable earnings or 30 times the federal minimum hourly wage, whichever is greater; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle to $3,250 total for individual (two vehicles to $6,500 for community)

Other Property

 

Appliances, furniture, household goods, home & yard equipment to $6,500 total for individual ($13,000 for community)
Books & electronic media to $3,500
Burial ground
Clothing, no more than $1,000 in furs, jewelry, ornaments
Food & fuel for comfortable maintenance
Fire insurance proceeds for lost, stolen, or destroyed exempt property
Keepsakes & family pictures
Farmer's trucks, stock, tools, seed, equipment, & supplies to $10,000 total
Library, office furniture, office equipment, & supplies of physician, surgeon, attorney, clergy, or other professional to $10,000 total
Tools & materials used in any other trade to $10,000

Wild Card

 

$3,000 of any personal property (no more than $1,500 in cash, $500 bank deposits, bonds, stocks, & securities/$200 limit if debt owed to state agency)

   

more Washington Bankruptcy Exemptions...

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West Virginia Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in West Virginia.

West Virginia Homestead Exemption

 

Real or personal property used as residence to $25,000; unused portion of homestead may be applied to any property (husband & wife may double)

Wage Garnishment Law

 

Minimum 30 times the federal minimum hourly wage per week; bankruptcy judge may authorize more for low-income debtors

Automobiles

 

Motor vehicle to $2,400

Other Property

 

Animals, crops, clothing, appliances, books, household goods, furnishings, musical instruments to $400 per item, $8,000 total
Burial plot to $25,000, in lieu of homestead
Jewelry to $1,000
Implements, books, & tools of trade to $1,500


Wild Card

 

$800 plus unused portion of homestead or burial exemption, of any property)

   

more West Virginia Bankruptcy Exemptions...

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Wisconsin Bankruptcy Law - State Exemptions

In Wisconsin, a debtor may choose State or Federal bankruptcy exemptions.

Wisconsin Homestead Exemption

 

Property you occupy or intend to occupy to $75,000; sale proceeds exempt for 2 years if you intend to purchase another home (husband & wife's exemption may double)

Wage Garnishment Law

 

75% of weekly net income or 30 times the greater of the federal or state minimum hourly wage; bankruptcy judge may authorize more for lowincome debtors

Automobiles

 

Motor vehicles to $5,000 (husband & wife may double; unused portion of $12,000 personal property exemption may be added)

Other Property

 

Household goods and furnishings, clothing, keepsakes, jewelry, appliances, books, musical instruments, firearms, sporting goods, animals, and other tangible personal property to $12,000 total (husband & wife may double)
Deposit accounts to $5,000
Equipment, inventory, farm products, books, and tools of trade to $15,000 total.

Wild Card

 

None

   

more Wisconsin Bankruptcy Exemptions...

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Wyoming Bankruptcy Law - State Exemptions

Federal bankruptcy exemptions are not available in Wyoming.

Wyoming Homestead Exemption

 

Real property or house trailer you occupy to $20,000 (joint owners may double)

Wage Garnishment Law

 

Minimum 75% of disposable weekly earnings or 30 times the federal hourly minimum wage, whichever is more

Automobiles

 

Motor vehicle to $5,000

Other Property

 

Bedding, furniture, household articles, & food to $4,000 per person in the home
Clothing & wedding rings to $2,000
Library & implements of profession to $4,000 or tools, motor vehicle, implements, team & stock in trade to $4,000

Wild Card

 

None

   

more Wyoming Bankruptcy Exemptions...

 

 

Federal Bankruptcy Exemptions

United States Homestead Exemption

 

Real property, including co-op or mobile home, or burial plot to $21,625; unused portion of homestead to $10,825 may be applied to any property

Wages

 

None (see non-bankruptcy exemptions)

Automobiles

 

Motor vehicle to $3,450

Other Property

 

Animals, crops, clothing, appliances, books, furnishings, household goods, musical instruments to $550 per item, 11,525 total
Health aids
Jewelry to $1,450

Wild Card

 

Up to $10,825 of unused homestead exemption amount, for any property.
$1,150 of any property

   

More...

choose your state to see detailed federal exemptions (if they are available in your state)

 

AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

 

  1. Accord - 562
  2. ACRA - 454
  3. Adams - 5,143
  4. Adams Center - 1,568
  5. Addison - 2,595
  6. ADIRONDACK - 285
  7. Afton - 2,851
  8. Airmont - 8,628
  9. Akron - 2,868
  10. Alabama - 1,869
  11. Albany - 97,856
  12. Albertson - 5,182
  13. Albion - 8,468
  14. Alden - 10,865
  15. ALDER CREEK - 219
  16. Alexander - 2,534
  17. Alexandria - 4,061
  18. Alexandria Bay - 1,078
  19. Alfred - 5,237
  1. ALFRED STATION - 1,241
  2. Allegany - 8,004
  3. Alma - 842
  4. Almond - 1,633
  5. ALPINE - 1,207
  6. ALPLAUS - 431
  7. Altamont - 1,720
  8. Altmar - 407
  9. Altona - 2,887
  10. Amagansett - 1,165
  11. AMAWALK - 843
  12. Amenia - 4,436
  13. Ames - 145
  14. Amherst - 122,366
  15. Amityville - 9,523
  16. Amsterdam - 18,620
  17. Ancram - 1,573
  18. ANCRAMDALE - 830
  1. Andes - 1,301
  2. Andover - 1,830
  3. Angelica - 1,403
  4. Angola - 2,127
  5. Annsville - 3,012
  6. Antwerp - 1,846
  7. Apalachin - 1,131
  8. APPLETON - 1,489
  9. Aquebogue - 2,438
  10. Arcade - 4,205
  11. Ardsley - 4,452
  12. ARDSLEY ON HUDSON - 115
  13. Argyle - 3,782
  14. Arietta - 304
  15. Arkport - 844
  16. ARKVILLE - 892
  17. Arlington - 4,061
  18. Armonk - 4,330
  1. Asharoken - 654
  2. Ashland - 1,695
  3. Ashville - 3,961
  4. Athens - 4,089
  5. ATHOL - 643
  6. ATLANTA - 595
  7. Atlantic Beach - 1,891
  8. Attica - 7,702
  9. Au Sable Forks - 559
  10. Auburn - 27,687
  11. Augusta - 2,020
  12. Aurelius - 2,792
  13. Aurora - 13,782
  14. Austerlitz - 1,654
  15. Ava - 676
  16. Averill Park - 1,693
  17. Avoca - 2,264
  18. Avon - 7,164
  1. Babylon - 213,603
  2. Bainbridge - 3,308
  3. Baiting Hollow - 1,642
  4. Baldwin - 24,033
  5. Baldwin Harbor - 8,102
  6. Baldwinsville - 7,378
  7. Ballston - 9,776
  8. BALLSTON LAKE - 13,320
  9. Ballston Spa - 5,409
  10. Balmville - 3,178
  11. Bangor - 2,224
  12. Bardonia - 4,108
  13. Barker - 2,732
  14. Barneveld - 284
  15. Barnum Island - 2,414
  16. BARRYTOWN - 108
  17. BARRYVILLE - 1,012
  18. Barton - 8,858
  19. BASOM - 1,822
  20. Batavia - 15,465
  21. Bath - 12,379
  22. Baxter Estates - 999
  23. Bay Shore - 26,337
  24. Bayport - 8,896
  25. Bayville - 6,669
  26. BEACH HAMPTON - 1,167
  27. Beacon - 15,541
  28. BEARSVILLE - 464
  29. BEAVER DAMS - 3,932
  30. BEAVER RIVER - 8,435
  1. Bedford - 17,335
  2. BEDFORD HILLS - 3,001
  3. Beekmantown - 5,545
  4. BELFAST - 1,663
  5. Belle Terre - 792
  6. Bellerose - 1,193
  7. Bellerose Terrace - 2,198
  8. Bellmore - 16,218
  9. BELLONA - 62
  10. Bellport - 2,084
  11. Belmont - 969
  12. Bemus Point - 364
  13. Bergen - 3,120
  14. Berkshire - 1,412
  15. Berlin - 1,880
  16. Berne - 2,794
  17. BERNHARDS BAY - 1,380
  18. Bethel - 4,255
  19. Bethlehem - 33,656
  20. Bethpage - 16,429
  21. Big Flats - 7,731
  22. BIG INDIAN - 820
  23. Binghamton - 47,376
  24. Black Creek - 345
  25. Black River - 1,348
  26. Blasdell - 2,553
  27. Blauvelt - 5,689
  28. Bleecker - 533
  29. BLISS - 527
  30. Bloomfield - 1,361
  1. Bridgehampton - 1,756
  2. Bridgeport - 1,490
  3. Bridgewater - 1,522
  4. BRIER HILL - 289
  5. Brighton - 36,609
  6. Brightwaters - 3,103
  7. Broadalbin - 5,260
  8. Brockport - 8,366
  9. Brocton - 1,486
  10. Bronx - 1,385,108
  11. Bronxville - 6,323
  12. Brookfield - 2,545
  13. Brookhaven - 486,040
  14. Brooklyn - 2,504,700
  15. BROOKTONDALE - 2,282
  16. Brookville - 3,465
  17. Brownville - 6,263
  18. Brunswick - 11,941
  19. Brushton - 474
  20. Brutus - 4,464
  21. Buchanan - 2,230
  22. Buffalo - 261,310
  23. Burdett - 340
  24. Burke - 1,465
  25. Burlington - 1,140
  26. BURLINGTON FLATS - 1,397
  27. BURNT HILLS - 13,320
  28. Butternuts - 1,786
  29. Byron - 2,369
  1. CADYVILLE - 2,781
  2. Cairo - 6,670
  3. Calcium - 3,491
  4. Caledonia - 4,255
  5. Callicoon - 3,057
  6. CALLICOON CENTER - 296
  7. Calverton - 6,510
  8. Cambridge - 2,021
  9. Camden - 4,934
  10. Cameron - 945
  11. CAMERON MILLS - 755
  12. Camillus - 24,167
  13. CAMPBELL - 3,406
  14. CAMPBELL HALL - 4,070
  15. Canaan - 1,710
  16. Canajoharie - 3,730
  17. Canandaigua - 10,545
  18. Canaseraga - 550
  19. Canastota - 4,804
  20. Candor - 5,305
  21. Caneadea - 2,542
  22. Canisteo - 3,391
  23. Canton - 10,995
  24. Cape Vincent - 2,777
  25. Carle Place - 4,981
  26. Carlisle - 1,948
  27. Carmel - 34,305
  28. Caroga - 1,205
  29. CAROGA LAKE - 518
  30. Carthage - 3,747
  31. Cassadaga - 634
  32. CASSVILLE - 1,429
  33. Castile - 2,906
  34. CASTLE CREEK - 1,202
  35. CASTLETON ON HUDSON - 8,188
  36. Castleton-on-Hudson - 1,473
  37. Castorland - 351
  38. Cato - 2,537
  39. Catskill - 11,775
  40. Cattaraugus - 1,002
  41. Cayuga - 549
  42. Cayuta - 556
  43. Cazenovia - 7,086
  1. Cedarhurst - 6,592
  2. Celoron - 1,112
  3. Center Moriches - 7,580
  4. Centereach - 31,578
  5. Centerport - 5,508
  6. CENTRAL BRIDGE - 593
  7. Central Islip - 34,450
  8. Central Square - 1,848
  9. Central Valley - 1,857
  10. Centre Island - 410
  11. Ceres - 102
  12. CHADWICKS - 1,506
  13. CHAFFEE - 1,617
  14. Champion - 4,494
  15. Champlain - 5,754
  16. Chappaqua - 1,436
  17. CHARLOTTEVILLE - 265
  18. Charlton - 4,133
  19. CHASE MILLS - 699
  20. Chateaugay - 2,155
  21. Chatham - 4,128
  22. Chaumont - 624
  23. CHAZY - 4,284
  24. Cheektowaga - 88,226
  25. Chemung - 2,563
  26. CHENANGO FORKS - 2,203
  27. Cherry Creek - 1,118
  28. CHERRY GROVE - 15,897
  29. Cherry Valley - 1,223
  30. Chester - 11,981
  31. CHESTERTOWN - 677
  32. Chestnut Ridge - 7,916
  33. CHICHESTER - 87
  34. CHILDWOLD - 58
  35. Chittenango - 5,081
  36. Churchville - 1,961
  37. CHURUBUSCO - 657
  38. Cicero - 31,632
  39. Cincinnatus - 1,056
  40. CIRCLEVILLE - 562
  41. Clare - 105
  42. Clarence - 30,673
  43. Clarence Center - 2,257
  1. Clark Mills - 1,905
  2. Clarkstown - 84,187
  3. Clarksville - 1,161
  4. CLARYVILLE - 260
  5. Claverack - 6,021
  6. Claverack-Red Mills - 913
  7. Clay - 58,206
  8. Clayton - 5,153
  9. Clayville - 350
  10. CLEMONS - 364
  11. Clermont - 1,965
  12. Cleveland - 750
  13. Clifton - 751
  14. Clifton Park - 36,705
  15. Clifton Springs - 2,127
  16. CLIMAX - 812
  17. Clinton - 1,942
  18. CLINTON CORNERS - 2,854
  19. Clintondale - 1,452
  20. Clyde - 2,093
  21. Clymer - 1,698
  22. Cobleskill - 6,625
  23. Cochecton - 1,372
  24. COCHECTON CENTER - 23
  25. Coeymans - 7,418
  26. COEYMANS HOLLOW - 934
  27. Cohocton - 2,561
  28. Cohoes - 16,168
  29. Colchester - 2,077
  30. Cold Brook - 329
  31. Cold Spring - 2,013
  32. Cold Spring Harbor - 5,070
  33. Colden - 3,265
  34. Colesville - 5,232
  35. Collins - 6,601
  36. Colonie - 81,591
  37. COLTON - 1,451
  38. Columbia - 1,580
  39. Columbus - 975
  40. Commack - 36,124
  41. COMSTOCK - 3,219
  42. Conesus - 2,473
  1. CONEWANGO VALLEY - 2,144
  2. Congers - 8,363
  3. Conklin - 5,441
  4. Conquest - 1,819
  5. Constable - 1,566
  6. Constableville - 242
  7. Constantia - 4,973
  8. Cooperstown - 1,852
  9. Copake - 3,615
  10. COPAKE FALLS - 317
  11. Copenhagen - 801
  12. Copiague - 22,993
  13. Coram - 39,113
  14. Corfu - 709
  15. Corinth - 6,531
  16. CORNEIL ESTATES - 190
  17. Corning - 11,183
  18. Cornwall - 12,646
  19. Cornwall on Hudson - 3,058
  20. CORNWALLVILLE - 612
  21. Cortland - 19,204
  22. Cortlandville - 8,509
  23. COSSAYUNA - 190
  24. COTTEKILL - 315
  25. Cove Neck - 286
  26. Coventry - 1,655
  27. Coxsackie - 8,918
  28. Cragsmoor - 449
  29. CRANBERRY LAKE - 200
  30. CRARYVILLE - 1,499
  31. Croghan - 3,093
  32. Crompond - 2,292
  33. CROPSEYVILLE - 1,000
  34. CROSS RIVER - 1,552
  35. CROTON FALLS - 156
  36. Croton On Hudson - 12,810
  37. Crown Point - 2,024
  38. Crugers - 1,534
  39. Cuba - 3,243
  40. CUDDEBACKVILLE - 1,302
  41. Cutchogue - 3,349
  42. Cuyler - 980
  1. DALE - 117
  2. DALTON - 362
  3. Dannemora - 4,898
  4. Dansville - 4,719
  5. DARIEN CENTER - 2,331
  6. Davenport - 2,965
  7. Day - 856
  8. DE KALB JUNCTION - 1,402
  9. De Peyster - 998
  10. DE RUYTER - 1,631
  11. De Witt - 25,838
  12. DEANSBORO - 1,266
  1. Decatur - 353
  2. Deer Park - 27,745
  3. Deerfield - 4,273
  4. Deerpark - 7,901
  5. Deferiet - 294
  6. Delanson - 377
  7. Delevan - 1,089
  8. Delhi - 5,117
  9. Delmar - 8,292
  10. DENVER - 777
  11. Depauville - 577
  12. Depew - 15,303
  1. Deposit - 1,712
  2. DERBY - 6,833
  3. DeRuyter - 1,589
  4. DEWITTVILLE - 1,071
  5. Dexter - 1,052
  6. DIAMOND POINT - 735
  7. Diana - 1,709
  8. Dickinson - 5,278
  9. DICKINSON CENTER - 571
  10. Dix Hills - 26,892
  11. Dobbs Ferry - 10,875
  1. Dolgeville - 2,206
  2. Dover Plains - 1,323
  3. DOWNSVILLE - 617
  4. Dresden - 652
  5. Dryden - 14,435
  6. Duane - 174
  7. Duanesburg - 6,122
  8. Dundee - 1,725
  9. Dunkirk - 12,563
  10. Durham - 2,725
  11. DURHAMVILLE - 584
  1. East Williston - 2,556
  2. EAST WORCESTER - 480
  3. Eastchester - 32,363
  4. Easton - 2,336
  5. Eastport - 1,831
  6. Eaton - 5,255
  7. Eatons Neck - 1,406
  8. Eden - 7,688
  9. Edinburg - 1,214
  10. EDMESTON - 1,826
  11. Edwards - 1,156
  12. EGGERTSVILLE - 15,019
  13. Elba - 2,370
  14. Elbridge - 5,922
  15. ELDRED - 900
  16. ELIZABETHTOWN - 1,163
  17. ELIZAVILLE - 1,976
  18. ELKA PARK - 381
  19. ELLENBURG CENTER - 1,126
  20. ELLENBURG DEPOT - 5,494
  1. Ellenville - 4,135
  2. Ellicottville - 1,598
  3. Ellisburg - 3,474
  4. Elma - 11,317
  5. Elmira - 29,200
  6. Elmira Heights - 4,097
  7. Elmont - 33,198
  8. Elmsford - 4,664
  9. Elwood - 11,177
  10. Endicott - 13,392
  11. Endwell - 11,446
  12. Ephratah - 1,682
  13. ERIEVILLE - 930
  14. ERIN - 1,962
  15. Esopus - 9,041
  16. Esperance - 2,076
  17. Essex - 671
  18. ETNA - 131
  19. Evans Mills - 621
  20. Exeter - 987
  1. Fabius - 1,964
  2. Fair Haven - 745
  3. Fairfield - 1,627
  4. Fairport - 5,353
  5. Falconer - 2,420
  6. Fallsburg - 12,870
  7. Far Rockaway - 56,184
  8. Farmersville - 1,090
  9. FARMERSVILLE STATION - 441
  10. Farmingdale - 8,189
  11. Farmington - 11,825
  12. Farmingville - 15,481
  13. Farnham - 382
  14. Fayetteville - 4,373
  15. FELTS MILLS - 372
  16. Fenner - 1,726
  17. Fenton - 6,674
  18. FERNDALE - 837
  1. FEURA BUSH - 1,854
  2. FILLMORE - 603
  3. FINDLEY LAKE - 289
  4. Fine - 1,512
  5. FINEVIEW - 326
  6. Fire Island - 292
  7. FIRE ISLAND PINES - 15,897
  8. Fishers Island - 236
  9. Fishkill - 22,107
  10. FISHS EDDY - 286
  11. Flanders - 4,472
  12. Fleischmanns - 351
  13. Fleming - 2,636
  14. Floral Park - 15,863
  15. Florence - 1,025
  16. Florida - 2,833
  17. Floyd - 3,819
  1. Flushing - 176,026
  2. FLY CREEK - 868
  3. Fonda - 795
  4. Forestburgh - 819
  5. Forestport - 1,535
  6. Forestville - 697
  7. Fort Ann - 6,190
  8. Fort Covington - 1,676
  9. Fort Drum - 12,955
  10. Fort Edward - 6,371
  11. Fort Johnson - 490
  12. Fort Montgomery - 1,571
  13. Fort Plain - 2,322
  14. Fort Salonga - 10,008
  15. Fowler - 2,202
  16. Frankfort - 7,636
  17. Franklin - 2,411
  1. FRANKLIN SPRINGS - 54
  2. Franklin Square - 29,320
  3. Franklinville - 2,990
  4. Fredonia - 11,230
  5. Freedom - 2,405
  6. FREEHOLD - 1,463
  7. Freeport - 42,860
  8. Freetown - 757
  9. Freeville - 520
  10. Fremont - 1,008
  11. FREMONT CENTER - 152
  12. Frewsburg - 1,906
  13. Friendship - 2,004
  14. FRONTENAC - 5,810
  15. Fulton - 11,896
  16. FULTONHAM - 279
  17. Fultonville - 784
  1. Gainesville - 2,182
  2. Galeville - 4,617
  3. Gallatin - 1,668
  4. Galway - 3,545
  5. GANSEVOORT - 14,204
  6. Garden City - 22,371
  7. Garden City Park - 7,806
  8. Garden City South - 4,024
  9. Gardiner - 5,713
  10. Garnerville - 8,732
  11. GARRATTSVILLE - 232
  12. GARRISON - 4,232
  13. Gasport - 1,248
  14. Geddes - 17,118
  15. Geneseo - 10,483
  16. Geneva - 13,261
  17. Genoa - 1,935
  18. Georgetown - 974
  19. German Flatts - 13,258
  20. Germantown - 1,954
  1. Gerry - 1,905
  2. GETZVILLE - 10,027
  3. Ghent - 5,402
  4. Gilbertsville - 399
  5. Gilboa - 1,307
  6. Glasco - 2,099
  7. GLEN AUBREY - 485
  8. Glen Cove - 26,964
  9. Glen Head - 4,697
  10. Glen Oaks - 14,016
  11. Glen Park - 502
  12. GLEN SPEY - 1,500
  13. GLEN WILD - 320
  14. GLENFIELD - 689
  15. GLENFORD - 404
  16. GLENMONT - 5,719
  17. Glens Falls - 14,700
  18. Glenville - 29,480
  19. GLENWOOD - 785
  1. Glenwood Landing - 3,779
  2. Gloversville - 15,665
  3. GOLDENS BRIDGE - 1,652
  4. Gordon Heights - 4,042
  5. Goshen - 13,687
  6. Gouverneur - 7,085
  7. Gowanda - 2,709
  8. GRAHAMSVILLE - 2,088
  9. Granby - 6,821
  10. GRAND GORGE - 663
  11. Grand Island - 20,374
  12. GRANITE SPRINGS - 1,097
  13. Granville - 6,669
  14. Great Bend - 843
  15. Great Neck - 9,989
  16. Great Neck Estates - 2,761
  17. Great River - 1,489
  18. Great Valley - 1,974
  19. Greece - 96,095
  1. Green Island - 2,620
  2. Greenburgh - 88,400
  3. Greene - 5,604
  4. Greenfield - 7,775
  5. GREENFIELD CENTER - 4,492
  6. GREENFIELD PARK - 261
  7. Greenlawn - 13,742
  8. Greenport - 4,165
  9. Greenvale - 1,094
  10. Greenville - 3,739
  11. Greenville - 3,739
  12. Greenwich - 4,942
  13. Greenwood - 801
  14. Greenwood Lake - 3,154
  15. GRENELL - 5,810
  16. Groton - 5,950
  17. Groveland - 3,249
  18. Guilderland - 35,303
  19. GUILFORD - 2,922
  1. HADLEY - 2,048
  2. Hagaman - 1,292
  3. Hague - 699
  4. Halesite - 2,498
  5. Halfmoon - 21,535
  6. Hamburg - 56,936
  7. Hamden - 1,323
  8. Hamilton - 6,690
  9. HAMLIN - 9,045
  10. Hammond - 1,191
  11. Hammondsport - 661
  12. Hampton - 938
  13. Hampton Bays - 13,603
  14. Hancock - 3,224
  15. HANKINS - 252
  16. HANNACROIX - 504
  17. Hannibal - 4,854
  18. Harbor Hills - 575
  19. Harbor Isle - 1,301
  20. Harpersfield - 1,577
  21. HARPURSVILLE - 3,642
  22. Harrietstown - 5,709
  23. Harriman - 2,424
  24. HARRIS - 132
  25. Harrisburg - 437
  26. Harrison - 27,472
  1. Harrisville - 628
  2. Hartford - 2,269
  3. Hartsdale - 5,293
  4. HARTWICK - 2,110
  5. Hastings - 9,450
  6. Hastings On Hudson - 8,679
  7. Hastings-on-Hudson - 7,849
  8. Hauppauge - 20,882
  9. Haverstraw - 36,634
  10. Hawthorne - 4,586
  11. Head of the Harbor - 1,472
  12. Hebron - 1,853
  13. Hector - 4,940
  14. HEMLOCK - 557
  15. Hempstead - 759,757
  16. HENDERSON - 1,360
  17. Henrietta - 42,581
  18. HENSONVILLE - 107
  19. Herkimer - 10,175
  20. Hermon - 1,108
  21. Herricks - 4,295
  22. Herrings - 90
  23. Heuvelton - 714
  24. Hewlett - 6,819
  25. Hewlett Bay Park - 404
  26. Hewlett Harbor - 1,263
  1. Hewlett Neck - 445
  2. Hicksville - 41,547
  3. High Falls - 627
  4. Highland - 5,647
  5. Highland Falls - 3,900
  6. HIGHLAND LAKE - 303
  7. Highland Mills - 3,468
  8. HILER - 24,094
  9. Hillburn - 951
  10. Hillsdale - 1,927
  11. Hillside - 877
  12. Hilton - 5,886
  13. HIMROD - 909
  14. Hinsdale - 2,168
  15. Hobart - 441
  16. Hoffmeister - 86
  17. HOGANSBURG - 2,558
  18. Holbrook - 27,195
  19. Holland - 3,401
  20. Holland Patent - 458
  21. Holley - 1,811
  22. HOLMES - 3,051
  23. Holtsville - 19,714
  24. Homer - 6,405
  25. HONEOYE - 579
  1. Honeoye Falls - 2,674
  2. Hoosick Falls - 3,501
  3. Hopewell - 3,747
  4. Hopewell Junction - 376
  5. Hopkinton - 1,077
  6. Horicon - 1,389
  7. Hornell - 8,563
  8. Horseheads - 19,485
  9. Houghton - 1,693
  10. Hounsfield - 3,466
  11. HOWES CAVE - 861
  12. HUBBARDSVILLE - 692
  13. Hudson - 6,713
  14. Hudson Falls - 7,281
  15. HUGUENOT - 1,144
  16. HULETTS LANDING - 87
  17. Humphrey - 687
  18. Hunt - 78
  19. Hunter - 2,732
  20. Huntington - 203,264
  21. Huntington Bay - 1,425
  22. Huntington Station - 33,029
  23. Hurley - 6,314
  24. HURLEYVILLE - 1,939
  25. Hyde Park - 21,571
  1. Ilion - 8,053
  2. Indian Lake - 1,352
  3. Inlet - 333
  4. Interlaken - 602
  1. Inwood - 9,792
  2. INWOOD FINANCE - 7,975
  3. IONIA - 223
  4. Irondequoit - 51,692
  1. IRVING - 3,418
  2. Irvington - 6,420
  3. Ischua - 859
  4. Island Park - 4,655
  1. Islandia - 3,335
  2. Islip - 18,689
  3. Islip Terrace - 5,389
  4. Ithaca - 30,014
  1. Jamaica - 216,866
  2. Jamesport - 1,710
  3. Jamestown - 31,146
  4. JAMESVILLE - 8,625
  5. Jasper - 1,424
  6. JAVA CENTER - 428
  1. Jeffersonville - 359
  2. Jericho - 13,567
  3. Jewett - 953
  4. Johnsburg - 2,395
  5. Johnson City - 15,174
  1. JOHNSONVILLE - 2,163
  2. Johnstown - 8,743
  3. Jordan - 1,368
  4. JORDANVILLE - 724
  5. Junius - 1,471
  1. KATONAH - 1,679
  2. KATTSKILL BAY - 269
  3. KAUNEONGA LAKE - 251
  4. Keene - 1,105
  5. KEENE VALLEY - 391
  6. Keeseville - 1,815
  7. Kendall - 2,724
  1. Kenmore - 15,423
  2. KENNEDY - 465
  3. Kensington - 1,161
  4. Kent - 13,507
  5. Kerhonkson - 1,684
  6. KEUKA PARK - 1,137
  1. KIAMESHA LAKE - 387
  2. KILL BUCK - 660
  3. Kinderhook - 8,498
  4. KING FERRY - 1,189
  5. Kings Park - 17,282
  6. Kings Point - 5,005
  1. Kingsbury - 12,671
  2. Kingston - 23,893
  3. Kirkland - 10,315
  4. KIRKVILLE - 5,012
  5. Kirkwood - 5,857
  6. Kortright - 1,675
  1. LAKEMONT - 9
  2. Lakeview - 5,615
  3. LAKEVILLE - 756
  4. Lakewood - 3,002
  5. Lancaster - 41,604
  6. LANESVILLE - 430
  7. Lansing - 11,033
  8. Lapeer - 767
  9. Larchmont - 5,864
  10. Latham - 21,908
  11. Lattingtown - 1,739
  12. Laurel - 1,394
  13. Laurel Hollow - 1,952
  14. Laurens - 2,424
  15. Lawrence - 6,483
  16. LAWTONS - 1,135
  17. Le Ray - 21,782
  18. Le Roy - 7,641
  19. Lebanon - 1,332
  20. Ledyard - 1,886
  21. Lee - 6,486
  22. LEE CENTER - 2,397
  23. Leeds - 377
  1. Leicester - 2,200
  2. Levittown - 51,881
  3. Lewis - 1,382
  4. Lewisboro - 12,411
  5. Lewiston - 16,262
  6. Leyden - 1,785
  7. Liberty - 9,885
  8. Lido Beach - 2,897
  9. Lima - 4,305
  10. Limestone - 389
  11. Lincklaen - 396
  12. Lincolndale - 1,521
  13. Lindenhurst - 27,253
  14. Lindley - 1,967
  15. Lisbon - 4,102
  16. Lisle - 2,751
  17. Little Falls - 4,946
  18. LITTLE GENESEE - 545
  19. Little Valley - 1,740
  20. Liverpool - 2,347
  21. Livingston Manor - 1,221
  22. Livonia - 7,809
  23. Lloyd Harbor - 3,660
  1. LOCH SHELDRAKE - 1,683
  2. Locke - 1,951
  3. Lockport - 21,165
  4. LOCKWOOD - 1,137
  5. Locust Valley - 3,406
  6. Lodi - 1,550
  7. LOEHMANNS PLAZA - 22,387
  8. Long Beach - 33,275
  9. LONG EDDY - 729
  10. Long Island City - 29,715
  11. LONG LAKE - 711
  12. LORRAINE - 1,037
  13. Loudonville - 11,303
  14. LOWMAN - 1,459
  15. Lowville - 4,982
  16. Lynbrook - 19,427
  17. Lyncourt - 4,250
  18. Lyndonville - 838
  19. Lyon Mountain - 423
  20. Lyons - 5,682
  21. Lyons Falls - 566
  22. Lyonsdale - 1,227
  23. Lysander - 21,759
  1. Macedon - 9,148
  2. MACHIAS - 2,375
  3. Macomb - 906
  4. Madison - 3,008
  5. MADRID - 1,735
  6. Mahopac - 8,369
  7. Maine - 5,377
  8. Malden - 413
  9. MALDEN BRIDGE - 242
  10. Malone - 14,545
  11. Malta - 14,765
  12. Malverne - 8,514
  13. Mamaroneck - 29,156
  14. Manchester - 9,395
  15. Manhasset - 8,080
  16. Manhasset Hills - 3,592
  17. Manhattan - 1,585,873
  18. Manheim - 3,334
  19. Manlius - 32,370
  20. Mannsville - 354
  21. Manorhaven - 6,556
  22. Manorville - 14,314
  23. MAPLECREST - 552
  24. Marathon - 1,967
  25. Marcellus - 6,210
  26. Marcy - 8,982
  27. Margaretville - 596
  28. MARIETTA - 2,472
  29. Marilla - 5,327
  30. MARION - 4,746
  31. Marlboro - 3,669
  32. Marlborough - 8,808
  1. MARTVILLE - 1,748
  2. Maryland - 1,897
  3. Masonville - 1,320
  4. Massapequa - 21,685
  5. Massapequa Park - 17,008
  6. MASSAWEPIE - 6,507
  7. Massena - 12,883
  8. Mastic - 15,481
  9. Mastic Beach - 12,930
  10. Matinecock - 810
  11. Mattituck - 4,219
  12. Mattydale - 6,446
  13. Maybrook - 2,958
  14. Mayfield - 6,495
  15. Mayville - 1,711
  16. MC DONOUGH - 1,333
  17. MC GRAW - 2,309
  18. McDonough - 886
  19. McGraw - 1,053
  20. Mechanicville - 5,196
  21. Medford - 24,142
  22. Medina - 6,065
  23. Medusa - 376
  24. MELROSE - 1,806
  25. Melville - 18,985
  26. MEMPHIS - 1,922
  27. Menands - 3,990
  28. Mendon - 9,152
  29. Meredith - 1,529
  30. Meridian - 309
  31. Merrick - 22,097
  32. Mexico - 5,197
  1. MIDDLE GRANVILLE - 445
  2. MIDDLE GROVE - 2,242
  3. Middle Island - 10,483
  4. Middleburgh - 3,746
  5. Middleport - 1,840
  6. Middlesex - 1,495
  7. Middletown - 28,086
  8. Middleville - 512
  9. Milan - 2,370
  10. Milford - 3,044
  11. Mill Neck - 997
  12. Millbrook - 1,452
  13. Miller Place - 12,339
  14. Millerton - 958
  15. Millport - 312
  16. MILLWOOD - 1,224
  17. Milton - 18,575
  18. Milton - 18,575
  19. Minden - 4,297
  20. Mineola - 18,799
  21. Minerva - 809
  22. Minetto - 1,659
  23. MINEVILLE - 1,269
  24. Mineville-Witherbee - 1,747
  25. Minoa - 3,449
  26. MODENA - 1,528
  27. Mohawk - 3,844
  28. Mohegan Lake - 7,647
  29. Moira - 2,934
  30. MONGAUP VALLEY - 342
  31. Monroe - 39,912
  32. Monsey - 18,412
  1. Montague - 78
  2. Montauk - 3,326
  3. Montebello - 4,526
  4. Montgomery - 22,606
  5. Monticello - 6,726
  6. Montour Falls - 1,711
  7. MONTROSE - 2,731
  8. Mooers - 3,592
  9. MOOERS FORKS - 1,467
  10. Moravia - 3,626
  11. Morehouse - 86
  12. Moriah - 4,798
  13. MORIAH CENTER - 171
  14. Moriches - 2,838
  15. Morris - 1,878
  16. Morrisonville - 1,545
  17. Morristown - 1,974
  18. Morrisville - 2,199
  19. Mount Ivy - 6,878
  20. Mount Kisco - 10,877
  21. MOUNT MARION - 653
  22. Mount Morris - 4,465
  23. Mount Sinai - 12,118
  24. MOUNT TREMPER - 1,123
  25. MOUNT UPTON - 1,372
  26. Mount Vernon - 67,292
  27. MOUNT VISION - 1,296
  28. MOUNTAIN DALE - 766
  29. Munnsville - 474
  30. Munsons Corners - 2,728
  31. MURRAY ISLE - 5,810
  32. Muttontown - 3,497
  1. Nanuet - 17,882
  2. Napanoch - 1,174
  3. Naples - 2,502
  4. Narrowsburg - 431
  5. Nassau - 4,789
  6. Natural Bridge - 365
  7. Nedrow - 2,244
  8. Nelliston - 596
  9. Nelson - 1,980
  10. Nelsonville - 628
  11. Nesconset - 13,387
  12. Neversink - 3,557
  13. New Berlin - 2,682
  14. New Cassel - 14,059
  15. New City - 33,559
  16. NEW HAMPTON - 2,967
  17. New Hartford - 22,166
  18. New Hempstead - 5,132
  19. New Hyde Park - 9,712
  20. NEW KINGSTON - 354
  21. New Lebanon - 2,305
  22. New Paltz - 14,003
  1. New Rochelle - 77,062
  2. NEW RUSSIA - 142
  3. New Square - 6,944
  4. New Suffolk - 349
  5. New Windsor - 25,244
  6. NEW WOODSTOCK - 1,209
  7. New York - 8,175,133
  8. New York Mills - 3,327
  9. Newark - 9,145
  10. Newark Valley - 3,946
  11. Newburgh - 28,866
  12. Newcomb - 436
  13. Newfane - 9,666
  14. Newfield - 5,179
  15. Newport - 2,302
  16. Newstead - 8,594
  17. Newtonville - 21,908
  18. Niagara Falls - 50,193
  19. Nichols - 2,525
  20. NICHOLVILLE - 489
  21. Niles - 1,194
  22. NINEVEH - 916
  1. OAK HILL - 376
  2. Oakdale - 7,974
  3. Oakfield - 3,250
  4. OCEAN BAY PARK - 190
  5. Ocean Beach - 79
  6. Oceanside - 32,109
  7. Odessa - 591
  8. Ogdensburg - 11,128
  9. Ohio - 1,002
  10. Olcott - 1,241
  11. Old Bethpage - 5,523
  12. Old Brookville - 2,134
  1. OLD CHATHAM - 875
  2. Old Field - 918
  3. OLD FORGE - 756
  4. Old Westbury - 4,671
  5. Olean - 14,452
  6. Olive - 4,419
  7. OLIVEBRIDGE - 1,781
  8. OLMSTEDVILLE - 502
  9. Oneida - 11,393
  10. Oneida Castle - 625
  11. Oneonta - 13,901
  12. Onondaga Nation - 468
  1. ONTARIO - 10,136
  2. Oppenheim - 1,924
  3. Orangeburg - 4,568
  4. Orchard Park - 29,054
  5. Orient - 743
  6. Oriskany - 1,400
  7. Oriskany Falls - 732
  8. Osceola - 229
  9. Ossining - 37,674
  10. Oswegatchie - 4,397
  11. Oswego - 18,142
  12. Otego - 3,115
  1. Otisco - 2,541
  2. Otisville - 1,068
  3. Otsego - 3,900
  4. Otselic - 1,054
  5. Ovid - 2,311
  6. Owasco - 3,793
  7. Owego - 19,883
  8. OWLS HEAD - 554
  9. OXBOW - 108
  10. Oxford - 3,901
  11. Oyster Bay - 293,214
  12. Oyster Bay Cove - 2,197
  1. PADDY HILL - 1,027
  2. Painted Post - 1,809
  3. Palatine Bridge - 737
  4. Palenville - 1,037
  5. Palermo - 3,664
  6. PALISADES - 1,282
  7. Palmyra - 7,975
  8. Pamelia - 3,160
  9. Panama - 479
  10. PANORAMA - 10,792
  11. PARADOX - 48
  12. Paris - 4,411
  13. Parish - 2,558
  14. PARISHVILLE - 2,153
  15. PARKSVILLE - 1,030
  16. Patchogue - 11,798
  17. Patterson - 12,023
  18. PATTERSONVILLE - 1,544
  19. Pattersonville-Rotterdam Junction - 918
  20. PAUL SMITHS - 671
  21. PAVILION - 2,495
  22. Pawling - 8,463
  23. Pearl River - 15,876
  24. Peconic - 683
  25. Peekskill - 23,583
  26. Pelham - 12,396
  27. Pelham Manor - 5,486
  28. Pembroke - 4,292
  1. Pendleton - 6,397
  2. Penfield - 36,242
  3. Penn Yan - 5,159
  4. PENNELLVILLE - 4,310
  5. Perry - 4,616
  6. Perrysburg - 1,626
  7. Perth - 3,646
  8. Peru - 6,998
  9. PETERSBURG - 3,678
  10. Petersburgh - 1,525
  11. Phelps - 7,072
  12. Philadelphia - 1,947
  13. Philipstown - 9,662
  14. Philmont - 1,379
  15. Phoenicia - 309
  16. Phoenix - 2,382
  17. Piermont - 2,510
  18. Pierrepont - 2,589
  19. PIFFARD - 220
  20. Pike - 1,114
  21. Pine Bush - 1,780
  22. PINE CITY - 4,908
  23. Pine Hill - 275
  24. PINE ISLAND - 1,084
  25. Pine Plains - 2,473
  26. PINE VALLEY - 813
  27. PISECO - 272
  28. Pitcairn - 846
  1. Pitcher - 803
  2. Pittsfield - 1,366
  3. Pittsford - 29,405
  4. Plainedge - 8,817
  5. Plainfield - 915
  6. Plainview - 26,217
  7. Plandome - 1,349
  8. Plattekill - 10,499
  9. Plattsburgh - 19,989
  10. Pleasant Valley - 9,672
  11. Pleasantville - 7,019
  12. PLESSIS - 164
  13. Plymouth - 1,804
  14. Poestenkill - 4,530
  15. Point Lookout - 1,219
  16. Poland - 2,356
  17. Pomona - 3,103
  18. POND EDDY - 272
  19. Poquott - 953
  20. Port Byron - 1,290
  21. Port Chester - 28,967
  22. PORT CRANE - 4,463
  23. Port Dickinson - 1,641
  24. Port Ewen - 3,546
  25. Port Henry - 1,194
  26. Port Jefferson - 7,750
  27. Port Jefferson Station - 7,838
  28. Port Jervis - 8,828
  1. Port Leyden - 672
  2. Port Washington - 15,846
  3. PORTAGEVILLE - 664
  4. PORTER CORNERS - 1,984
  5. Portland - 4,827
  6. PORTLANDVILLE - 170
  7. Portville - 3,730
  8. Potsdam - 16,041
  9. POTTERSVILLE - 424
  10. Poughkeepsie - 32,736
  11. Poughquag - 7,699
  12. Pound Ridge - 5,104
  13. PRATTSBURGH - 2,085
  14. PRATTSVILLE - 700
  15. Preble - 1,393
  16. Preston - 1,044
  17. PRESTON HOLLOW - 783
  18. Preston-Potter Hollow - 366
  19. Princetown - 2,115
  20. PROMISED LAND - 1,167
  21. Prospect - 291
  22. Providence - 1,995
  23. Pulaski - 2,365
  24. Pulteney - 1,285
  25. PURCHASE - 3,454
  26. PURDYS - 661
  27. PUTNAM STATION - 645
  28. Putnam Valley - 11,809
  1. Queensbury - 27,901
  1. Quioque - 800
  1. Quogue - 967
  1. Randolph - 2,602
  2. Ransomville - 1,419
  3. RAQUETTE LAKE - 123
  4. Ravena - 3,268
  5. Red Creek - 532
  6. Red Hook - 11,319
  7. Redfield - 550
  8. Redford - 477
  9. Redwood - 605
  10. Remsen - 1,929
  11. REMSENBURG - 822
  12. Remsenburg-Speonk - 2,642
  13. Rensselaer - 9,392
  14. Rensselaer Falls - 332
  15. Rensselaerville - 1,843
  16. REXFORD - 431
  17. REXVILLE - 651
  1. Rhinebeck - 7,548
  2. Richburg - 450
  3. Richfield - 2,388
  4. Richfield Springs - 1,264
  5. Richford - 1,172
  6. Richland - 5,718
  7. Richmondville - 2,610
  8. Richville - 323
  9. Ridge - 13,336
  10. Rifton - 456
  11. Ripley - 2,415
  12. Riverhead - 33,506
  13. Rochester - 210,565
  14. ROCK CITY FALLS - 596
  15. Rock Hill - 1,742
  16. ROCK STREAM - 747
  17. ROCK TAVERN - 2,089
  1. Rockville Centre - 24,023
  2. Rocky Point - 14,014
  3. RODMAN - 1,176
  4. Roessleville - 10,753
  5. Rome - 33,725
  6. ROMULUS - 4,316
  7. Ronkonkoma - 19,082
  8. Roosevelt - 16,258
  9. Root - 1,715
  10. Roscoe - 541
  11. Roseboom - 711
  12. Rosendale - 6,075
  13. Roslyn - 2,770
  14. Roslyn Estates - 1,251
  15. Roslyn Harbor - 1,051
  16. Roslyn Heights - 6,577
  17. Rossie - 877
  1. Rotterdam - 29,094
  2. ROTTERDAM JUNCTION - 836
  3. Round Lake - 623
  4. ROUND TOP - 736
  5. Rouses Point - 2,209
  6. Roxbury - 2,502
  7. Royalton - 7,660
  8. Rush - 3,478
  9. RUSHFORD - 1,150
  10. Rushville - 677
  11. Russell - 1,856
  12. Russell Gardens - 945
  13. Russia - 2,587
  14. Rutland - 3,060
  15. Rye - 15,720
  16. Rye Brook - 9,347
  1. Sackets Harbor - 1,450
  2. Saddle Rock - 830
  3. Saddle Rock Estates - 466
  4. Sag Harbor - 2,169
  5. Sagaponack - 313
  6. Saint James - 13,338
  7. Saint Johnsville - 4,408
  8. SAINT REGIS FALLS - 1,347
  9. Salamanca - 5,815
  10. Salem - 2,715
  11. Salina - 33,710
  12. Salisbury - 12,093
  13. SALISBURY CENTER - 712
  14. SALISBURY MILLS - 536
  15. SALT POINT - 190
  16. Saltaire - 37
  17. SANBORN - 1,645
  18. Sand Lake - 8,530
  19. Sands Point - 2,675
  20. Sandy Creek - 3,939
  21. Sanford - 2,407
  22. Santa Clara - 345
  23. Saranac - 4,007
  24. Saranac Lake - 5,406
  25. Saratoga Springs - 26,586
  26. Sardinia - 2,775
  27. Saugerties - 19,482
  28. SAUQUOIT - 4,277
  29. SAVANNAH - 1,730
  30. Savona - 827
  31. Sayville - 16,853
  32. Scarsdale - 17,166
  33. Schaghticoke - 7,679
  34. Schenectady - 66,135
  35. SCHENEVUS - 551
  36. SCHODACK LANDING - 923
  37. Schoharie - 3,205
  38. Schroeppel - 8,501
  39. SCHROON LAKE - 833
  40. Schuyler - 3,420
  41. Schuyler Falls - 5,181
  42. Schuylerville - 1,386
  43. SCIO - 1,833
  44. Scipio - 1,713
  1. SCIPIO CENTER - 1,204
  2. Scotchtown - 9,212
  3. Scotia - 7,729
  4. Scott - 1,176
  5. Scotts Corners - 711
  6. SCOTTSBURG - 117
  7. Scottsville - 2,001
  8. Scriba - 6,840
  9. Sea Cliff - 4,995
  10. Seaford - 15,294
  11. SEAVIEW - 190
  12. Selden - 19,851
  13. SELKIRK - 5,779
  14. Sempronius - 895
  15. Seneca Falls - 9,040
  16. Sennett - 3,595
  17. SETAUKET - 20,382
  18. Setauket-East Setauket - 15,477
  19. Seward - 1,763
  20. Shandaken - 3,085
  21. Sharon Springs - 558
  22. SHEDS - 1,209
  23. Shelby - 5,319
  24. Sheldon - 2,409
  25. Shelter Island - 2,392
  26. Shelter Island Heights - 1,048
  27. Shenorock - 1,898
  28. Sherburne - 4,048
  29. Sherman - 1,653
  30. Sherrill - 3,071
  31. Shirley - 27,854
  32. Shokan - 1,183
  33. Shoreham - 531
  34. Shortsville - 1,439
  35. Shrub Oak - 2,011
  36. SHUSHAN - 808
  37. Sidney - 5,774
  38. SIDNEY CENTER - 1,666
  39. SILVER BAY - 176
  40. Silver Creek - 2,656
  41. Silver Springs - 782
  42. Sinclairville - 588
  43. Skaneateles - 7,209
  1. SPEONK - 692
  2. SPRAKERS - 1,501
  3. Spring Valley - 31,347
  4. SPRINGFIELD CENTER - 459
  5. Springport - 2,367
  6. Springville - 4,296
  7. Springwater - 2,439
  8. Staatsburg - 377
  9. Stafford - 2,459
  10. Stamford - 2,267
  11. STANFORDVILLE - 2,231
  12. STANLEY - 2,875
  13. Star Lake - 809
  14. Staten Island - 468,730
  15. STEAMBURG - 412
  16. STELLA NIAGARA - 11,121
  17. Stephentown - 2,903
  18. Sterling - 3,040
  19. Steuben - 1,100
  20. Stewart Manor - 1,896
  21. Stillwater - 8,287
  22. STITTVILLE - 807
  23. Stockbridge - 2,103
  24. Stockton - 2,248
  25. Stone Ridge - 1,173
  26. Stony Brook - 13,740
  27. Stony Creek - 767
  28. Stony Point - 15,059
  29. STORMVILLE - 4,550
  30. Stottville - 1,375
  31. Stratford - 610
  32. STRYKERSVILLE - 647
  33. Stuyvesant - 2,027
  34. Suffern - 10,723
  35. Sullivan - 15,339
  36. Summerhill - 1,217
  37. Summit - 1,148
  38. SURPRISE - 175
  39. SWAIN - 309
  40. SWAN LAKE - 2,169
  41. Sylvan Beach - 897
  42. Syosset - 18,829
  43. Syracuse - 145,170
  1. TABERG - 3,466
  2. TACONIC LAKE - 3,678
  3. Taghkanic - 1,310
  4. Tannersville - 539
  5. Tappan - 6,613
  6. Tarrytown - 11,277
  7. Taylor - 523
  8. Terryville - 11,849
  9. Theresa - 2,905
  10. Thiells - 5,032
  1. Thomaston - 2,617
  2. THOMPSON RIDGE - 57
  3. THOMPSONVILLE - 59
  4. Thornwood - 3,759
  5. THREE MILE BAY - 227
  6. Throop - 1,990
  7. Thurman - 1,219
  8. TICONDEROGA - 5,042
  9. Tillson - 1,586
  10. Tivoli - 1,118
  1. TOMKINS COVE - 1,739
  2. Tompkins - 1,247
  3. Tonawanda - 15,130
  4. Tonawanda - 15,130
  5. TREADWELL - 342
  6. Triangle - 2,946
  7. Tribes Hill - 1,003
  8. Troupsburg - 1,291
  9. Troy - 50,129
  10. Trumansburg - 1,797
  1. Truxton - 1,133
  2. Tuckahoe - 1,373
  3. Tuckahoe - 1,373
  4. Tully - 2,738
  5. Tupper Lake - 5,971
  6. Turin - 761
  7. TUSCARORA - 1,473
  8. Tuxedo - 3,624
  9. Tuxedo Park - 623
  10. Tyre - 981
  1. Vails Gate - 3,369
  2. Valatie - 1,819
  3. Valhalla - 3,162
  4. Valley Cottage - 9,107
  5. Valley Falls - 466
  6. Valley Stream - 37,511
  1. Van Buren - 13,185
  2. Van Etten - 1,557
  3. VAN HORNESVILLE - 7
  4. VARYSBURG - 1,646
  5. Venice - 1,368
  6. VERBANK - 956
  1. VERMONTVILLE - 853
  2. Vernon - 5,408
  3. VERNON CENTER - 1,398
  4. VERONA - 6,293
  5. Verplanck - 1,729
  6. Vestal - 28,043
  1. VETERANS ADMINISTRATION - 12,536
  2. Victor - 14,275
  3. Vienna - 5,440
  4. Virgil - 2,401
  5. Volney - 5,926
  6. Voorheesville - 2,789
  1. WACCABUC - 445
  2. Waddington - 2,266
  3. Wading River - 7,719
  4. WADSWORTH - 190
  5. Wainscott - 650
  6. Walden - 6,978
  7. Walker Valley - 853
  8. Wallkill - 27,426
  9. Walton - 5,576
  10. Walworth - 9,449
  11. Wampsville - 543
  12. Wantagh - 18,871
  13. Wappinger - 27,048
  14. Wappingers Falls - 5,522
  15. WARNERS - 1,759
  16. WARNERVILLE - 684
  17. Warren - 1,143
  18. Warrensburg - 4,094
  19. Warsaw - 5,064
  20. Warwick - 32,065
  21. Washingtonville - 5,899
  22. WASSAIC - 1,214
  23. WATER MILL - 1,559
  24. Waterford - 8,423
  25. Waterloo - 7,642
  26. Watermill - 1,724
  27. WATERPORT - 1,119
  28. Watertown - 27,023
  29. Waterville - 1,583
  30. Watervliet - 10,254
  31. Watkins Glen - 1,859
  32. Watson - 1,881
  33. Waverly - 4,444
  1. Wawarsing - 13,157
  2. Wayland - 4,102
  3. Webster - 42,641
  4. Weedsport - 1,815
  5. Wells - 674
  6. WELLS BRIDGE - 213
  7. Wellsburg - 580
  8. Wellsville - 7,397
  9. Wesley Hills - 5,628
  10. West Babylon - 43,213
  11. West Bay Shore - 4,648
  12. West Bloomfield - 2,466
  13. West Carthage - 2,012
  14. WEST CHAZY - 529
  15. WEST EDMESTON - 945
  16. West End - 1,940
  17. WEST FALLS - 2,633
  18. WEST FULTON - 215
  19. West Glens Falls - 7,071
  20. West Harrison - 11,250
  21. West Haverstraw - 10,165
  22. West Hempstead - 18,862
  23. WEST HENRIETTA - 6,197
  24. West Hills - 5,592
  25. West Hurley - 1,939
  26. West Islip - 28,335
  27. WEST KILL - 281
  28. WEST LEYDEN - 763
  29. West Monroe - 4,252
  30. West Nyack - 3,439
  31. WEST ONEONTA - 652
  32. WEST PARK - 547
  33. West Point - 6,763
  1. West Sand Lake - 2,660
  2. West Sayville - 5,011
  3. West Seneca - 44,711
  4. WEST SHOKAN - 714
  5. West Turin - 1,524
  6. WEST VALLEY - 518
  7. West Winfield - 826
  8. WESTBROOKVILLE - 186
  9. Westbrookvlle - 186
  10. Westbury - 15,146
  11. WESTDALE - 160
  12. Westerlo - 3,361
  13. WESTERNVILLE - 832
  14. Westfield - 4,896
  15. Westhampton - 3,079
  16. Westhampton Beach - 1,721
  17. Westmere - 7,284
  18. WESTMORELAND - 6,138
  19. Weston Mills - 1,472
  20. WESTPORT - 1,312
  21. WESTTOWN - 3,648
  22. Westvale - 4,963
  23. Westville - 1,819
  24. WEVERTOWN - 84
  25. Wheatfield - 18,117
  26. Wheatland - 4,775
  27. Wheatley Heights - 5,130
  28. White Creek - 3,356
  29. WHITE LAKE - 665
  30. White Plains - 56,853
  31. WHITE SULPHUR SPRINGS - 223
  32. Whitehall - 4,042
  33. Whitesboro - 3,772
  1. Whitestown - 18,667
  2. WHITESVILLE - 890
  3. Whitney Point - 964
  4. Willet - 1,043
  5. WILLIAMSON - 6,984
  6. Williamstown - 1,277
  7. Williamsville - 5,300
  8. Williston Park - 7,287
  9. WILLOW - 189
  10. WILLSBORO - 2,025
  11. WILLSEYVILLE - 1,085
  12. Wilna - 6,427
  13. Wilson - 5,993
  14. Wilton - 16,173
  15. Windham - 1,703
  16. Windsor - 6,274
  17. Winfield - 2,086
  18. WINGDALE - 3,618
  19. WINTHROP - 510
  20. Wolcott - 4,453
  21. WOODBOURNE - 2,935
  22. Woodbury - 11,353
  23. Woodhull - 1,719
  24. Woodmere - 17,121
  25. Woodridge - 847
  26. Woodsburgh - 778
  27. Woodstock - 5,884
  28. WORCESTER - 2,220
  29. Worth - 231
  30. Wurtsboro - 1,246
  31. Wyandanch - 11,647
  32. Wynantskill - 3,276
  33. Wyoming - 434
  1. Yaphank - 5,945
  2. Yonkers - 195,976
  3. Yorkshire - 3,913
  1. Yorktown - 36,081
  2. Yorktown Heights - 1,781
  1. Yorkville - 2,689
  2. Youngstown - 1,935
  1. YOUNGSVILLE - 448
  2. YULAN - 295