Eric PemperFounder, CuraDebt · Est. 2001
Mississippi Chapter 7 Means Test Calculator (2026)
The Mississippi Chapter 7 Means Test (Part 1)
Compare your household income to the Mississippi median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
Mississippi Chapter 7 Six-Month Income Worksheet
Enter each of the six complete calendar months used for the current monthly income calculation. The worksheet totals the period, calculates the monthly average, and annualizes it. Nothing entered here is stored.
| Household Size | Annual Median | Monthly Equivalent | Six-Month Equivalent |
|---|---|---|---|
| 1 | $53,978 | $4,498 | $26,989 |
| 2 | $70,328 | $5,861 | $35,164 |
| 3 | $82,846 | $6,904 | $41,423 |
| 4 | $97,464 | $8,122 | $48,732 |
For households larger than four, add $11,100 per additional person to the annual figure. Use the official table in effect on the expected filing date.
A Mississippi Six-Month Example
Assume a two-person Mississippi household received $5,275 in each of the six complete calendar months before filing. The six-month total would be $31,650, the current monthly average would be $5,275, and the annualized income would be $63,300. That is $7,028 below the two-person Mississippi median shown on this page. This illustrates the first income comparison only. It does not decide the full means test or Chapter 7 eligibility.
How Mississippi Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Mississippi median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $53,978 for one person to $97,464 for four people, a difference of $43,486. A five-person Mississippi household would use $108,564 before moving to the expense portion of the test.
A Mississippi Close-To-The-Line Example
If a two-person household averaged $5,743 monthly during the six-month lookback period, its annualized income would be $68,916. That is only $1,412 below the current two-person Mississippi median used here. A bonus, job change, unpaid leave, or a different filing month could change that comparison, which is why the six actual calendar months matter.
Where Location Inside Mississippi Can Matter
Mississippi is served by the Northern and Southern Districts of Mississippi. The correct filing district depends on venue facts such as where a person has lived or kept a principal residence, assets, or business. Part 2 can also use location-sensitive housing and utility standards. Those allowances may differ by county inside Mississippi, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Mississippi |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Mississippi income threshold, including the added amount above four people. |
| Six-Month Income | Uses income received in the six complete calendar months before filing, not simply current salary. |
| County | Can affect location-based housing and utility allowances used in Part 2. |
| Filing District | Determines the federal bankruptcy court that handles the case. |
Records To Gather For A Mississippi Review
- Pay statements and other income records for each of the six complete lookback months.
- Documents supporting household size and regular contributions from other household members.
- Housing, utility, vehicle, tax, insurance, child care, support, and secured-debt amounts that may matter in Part 2.
- The expected filing date and county, especially when the result is close to the median.
Official Resources: U.S. Trustee Means-Testing Data · IRS Local Housing And Utility Standards · U.S. Courts Court Locator
How The Mississippi Means Test Works
The Mississippi means test runs in two parts. Part 1 compares your annualized income to the Mississippi median for your household size, shown above; at or below it, you generally qualify for Chapter 7 in Mississippi. Above it, Part 2 (Form 122A-2) subtracts allowed living expenses, and many above-median Mississippi filers still pass. Social Security is generally excluded from the income figure. For the full national walkthrough, see our Chapter 7 means test guide.
Over The Mississippi Median Is Not A Dead End
A Mississippi income above the median just means Part 2 decides it. After the allowed Mississippi living-expense deductions, a real share of filers qualify anyway. And if Chapter 7 is not right for you, settlement or Chapter 13 can each solve the problem in a different way.
If Chapter 7 Is Not The Right Fit In Mississippi
Not everyone in Mississippi who can file Chapter 7 should, and not everyone qualifies. If bankruptcy is not the path, a Mississippi debt settlement program may reduce what you owe without a court filing; compare the cost, credit impact, and timeline first. You can check available debt relief options at no cost and with no obligation.
Frequently Asked Questions
What is the income limit for Chapter 7 in Mississippi?
It is the Mississippi median family income for your household size. Effective July 15, 2026, it is $53,978 for 1 person, $70,328 for 2, $82,846 for 3, and $97,464 for 4, adding $11,100 per additional person. At or below that Mississippi figure, you generally pass Part 1.
What if my income is above the Mississippi median?
Being above the Mississippi median does not automatically disqualify you. Part 2 of the means test subtracts allowed living expenses, and many above-median Mississippi filers still qualify for Chapter 7 after those deductions.
Does this calculator run the full Mississippi means test?
No. It runs Part 1, the income screen, using the official July 15, 2026 medians. It does not calculate Part 2 expense deductions, so treat the result as a starting point and confirm with a licensed bankruptcy attorney.
Is Social Security counted in the Mississippi means test?
Social Security benefits are generally excluded from current monthly income for the means test, though most other income is included. A bankruptcy attorney can confirm what counts in your specific situation.
Official Source
Related Resources
- National Chapter 7 means test calculator
- Bankruptcy exemptions calculator
- Debt settlement vs. bankruptcy
- All debt and tax calculators
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