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Texas lets filers choose state or federal exemptions. The state homestead is unlimited in value but limited by acreage, plus a large personal-property allowance and the means test.
Tennessee opted out of federal exemptions. See the $35,000 homestead ($52,500 for joint owners), the $10,000 personal-property wildcard, and the means test.
South Dakota opted out of federal exemptions. Its homestead has no dollar cap and is limited only by acreage, and a personal-property allowance covers a vehicle.
South Carolina opted out of federal exemptions. The inflation-indexed homestead is about $80,125, the vehicle exemption is about $8,000, and see the means test income.
Rhode Island lets filers choose state or federal exemptions. The state homestead protects up to $500,000 of equity, the vehicle exemption is $12,000, plus the means test.
Pennsylvania bankruptcy guide: choose state or federal exemptions. PA has no state homestead, so home equity is protected by the federal $31,575 homestead.
Oregon lets bankruptcy filers choose state or federal exemptions. Compare the $150,000 state homestead, the $10,000 vehicle exemption, and the 2026 means test income.
Oklahoma opted out of federal exemptions. The homestead has no dollar cap and is limited only by acreage, the vehicle exemption is $7,500, and see the means test income.
Ohio opted out of federal exemptions. The inflation-indexed homestead protects up to $125,000, the vehicle exemption is $3,225, and see the 2026 means test income.
North Dakota opted out of federal exemptions. Its homestead protects up to $150,000 of equity, an alternative exemption covers a vehicle, and see the means test income.
North Carolina bankruptcy guide: the state opted out of federal exemptions, the homestead is $35,000, plus the April 2026 means-test median income.
New York bankruptcy guide: filers may choose federal or state exemptions, the homestead is tiered by county up to $204,825, plus the 2026 means test.