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The Chapter 7 Means Test
Chapter 7 eligibility starts with one question: is your household income below Oklahoma’s median for your household size? Check yours against the official figures (effective April 1, 2026).
Check your numbers
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Oklahoma median income limits
| Household size | Annual median income |
|---|---|
| 1 person | $60,636 |
| 2 people | $74,500 |
| 3 people | $84,900 |
| 4 people | $107,326 |
| Each additional member | + $9,900 |
Source: U.S. Trustee Program · Effective 2026-04-01
Over the limit? You’re not out of options.
The median comparison is only step one. Above-median filers can still qualify for Chapter 7 after deducting allowed expenses on the full means test — and Chapter 13 is often the better tool anyway if you’re protecting a home from foreclosure.
How Chapter 13 works →This information is general education, not legal advice, and using this website does not create an attorney–client relationship. Every case is different — confirm how the law applies to you in a free consultation with David Roberts.