Site Loader

You experience financial hardship and realize you have to qualify for Chapter 7 bankruptcy within a certain income in Florida. It’s hard enough to have to deal with the stress of credit card debt, garnishment, lawsuit, foreclosure, etc. Now you have to navigate the complex means testing government website to see whether you may qualify for Chapter 7 bankruptcy.

We have good news. The purpose of this article is to breakdown the Florida Chapter 7 bankruptcy income limits to explain how bankruptcy qualification works in simple terms.

Florida Chapter 7 Income Limits 2021

Chapter 7 bankruptcy qualification in Florida (and the rest of the states for that matter) is based on your median income limit and household size. Income can be complex. For example, you may know how much income you take home, but do you know your average income from the prior 6 months that is required for bankruptcy? I certainly didn’t. Another important thing to consider is net vs gross income. Our free Chapter 7 means test calculator does these calculations more easily, but it can be helpful to understand.

Before we discuss more below, let’s cover the Chapter 7 income limits in Florida. Below is the list for Chapter 7 Florida cases filed on or after May 15, 2021. If your household size is greater than 9, you would add an additional $9,000 per person.

Understand Median Income

Now, let’s discuss median income because there is a lot of complexity within income. You may know how much you take home each week, but you may not know what your “average monthly income that you received from all sources, derived during the 6 full months” that is needed for the Chapter 7 statement of your current monthly income bankruptcy form. See the complex language in the bankruptcy form below.

Image that shows the Chapter 7 Income Limit calculation for Average Monthly Income

It’s complex wording that I didn’t understand for a long time (and I write many articles on bankruptcy). There are a couple of things you can do here to make it easier.

1. Take our free Chapter 7 Income Limit Bankruptcy Calculator specific for Florida

We built a Chapter 7 income limit bankruptcy calculator to help you understand bankruptcy qualification in Florida without having to understand all the jargon. You can take it below.

2. Use our Average Income Calculator

In collaboration with a bankruptcy attorney in Orlando, we built the following average income calculator to help you estimate your annual income to compare to the Chapter 7 bankruptcy income limits for Florida above. You may actually want to take this income calculator first and then plug your income into the calculator above. Write to us at if you have questions.

Understand Household Size

Household size tends to be less complex because you generally will file a tax return and claim those individuals as dependents, but it’s important to consider such situations as the following:

  1. You have a 25 year old that you have been claiming as a dependent. Can you include them as a household member?
  2. Someone is legally separated and filing without a spouse. Can they include the spouse as a household member?

Estimate Chapter 7 Qualification in Florida

Florida Counties Covered By These Bankruptcy Income Limits

The Florida Chapter 7 bankruptcy income limits cover all cities from Miami to Orlando. Let’s go through the list of counties in Florida that the bankruptcy income limits cover:

  • Alachua
  • Baker
  • Bay
  • Bradford
  • Brevard
  • Broward
  • Calhoun
  • Charlotte
  • Citrus
  • Clay
  • Collier
  • Columbia
  • DeSoto
  • Dixie
  • Duval
  • Escambia
  • Flagler
  • Franklin
  • Gadsden
  • Gilchrist
  • Glades
  • Gulf
  • Hamilton
  • Hardee
  • Hendry
  • Hernando
  • Highlands
  • Hillsborough
  • Holmes
  • Indian River
  • Jackson
  • Jefferson
  • Lafayette
  • Lake
  • Lee
  • Leon
  • Levy
  • Liberty
  • Madison
  • Manatee
  • Marion
  • Martin
  • Miami-Dade
  • Monroe
  • Nassau
  • Okaloosa
  • Okeechobee
  • Orange
  • Osceola
  • Palm Beach
  • Pasco
  • Pinellas
  • Polk
  • Putnam
  • Santa Rosa
  • Sarasota
  • Seminole
  • St. Johns
  • St. Lucie
  • Sumter
  • Suwannee
  • Taylor
  • Union
  • Volusia
  • Wakulla
  • Walton
  • Washington


Bankruptcy is a major decision in anyone’s life. By now, you may be able to estimate whether you would qualify for bankruptcy in Chapter 7 bankruptcy in Florida. If you would like to learn about the pros and cons of bankruptcy and estimate cost, use our free qualification and cost bankruptcy calculator to do so. Write us at any time at

Post Author: Ascend

Group of guest writers and industry experts who have specific expertise in Chapter 13 bankruptcy, Chapter 7 bankruptcy, debt relief, debt settlement, and debt payoff.

Leave a Reply

Your email address will not be published. Required fields are marked *