District Of Columbia Chapter 7 Means Test Calculator (2026)
The District of Columbia Chapter 7 Means Test (Part 1)
Compare your household income to the District of Columbia median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
District Of Columbia 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 | $85,391 | $7,116 | $42,696 |
| 2 | $161,397 | $13,450 | $80,699 |
| 3 | $161,397 | $13,450 | $80,699 |
| 4 | $166,598 | $13,883 | $83,299 |
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 District Of Columbia Six-Month Example
Assume a two-person District Of Columbia household received $12,105 in each of the six complete calendar months before filing. The six-month total would be $72,630, the current monthly average would be $12,105, and the annualized income would be $145,260. That is $16,137 below the two-person District Of Columbia 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 District Of Columbia Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the District Of Columbia median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $85,391 for one person to $166,598 for four people, a difference of $81,207. A five-person District Of Columbia household would use $177,698 before moving to the expense portion of the test.
A District Of Columbia Close-To-The-Line Example
If a two-person household averaged $13,181 monthly during the six-month lookback period, its annualized income would be $158,172. That is only $3,225 below the current two-person District Of Columbia 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 District Of Columbia Can Matter
District Of Columbia is served by the District of Columbia. 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 District Of Columbia, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In District Of Columbia |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the District Of Columbia 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 District Of Columbia 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
Reading Your District of Columbia Means Test Result
The District of Columbia test is not a single number. Part 1 checks your income against the District of Columbia median for your size; Part 2 (Form 122A-2) then subtracts allowed expenses if you are over. Plenty of District of Columbia households that look over the District of Columbia median still qualify once those costs come out, and Social Security is generally left out of the income figure. The full means test guide walks through the deductions.
If You Are Above The District of Columbia Median
Being above the District of Columbia median does not end it. Part 2 subtracts allowed expenses, and many above-median District of Columbia filers still pass. If Chapter 7 does not fit, Chapter 13, debt settlement, or a debt management plan might. Bankruptcy is a lasting decision, so compare the options first.
If Chapter 7 Is Not The Right Fit In District of Columbia
Not everyone in District of Columbia who can file Chapter 7 should, and not everyone qualifies. If bankruptcy is not the path, a District of Columbia debt settlement program may reduce what you owe without a court filing; compare the cost, credit impact, and timeline first. CuraDebt is a free service that reviews the information you submit and, where appropriate and permitted by law, matches you with independent, licensed providers for debt relief or tax resolution. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
Frequently Asked Questions
What is the income limit for Chapter 7 in District of Columbia?
It is the District of Columbia median family income for your household size. Effective July 15, 2026, it is $85,391 for 1 person, $161,397 for 2, $161,397 for 3, and $166,598 for 4, adding $11,100 per additional person. At or below that District of Columbia figure, you generally pass Part 1.
What if my income is above the District of Columbia median?
Not a problem on its own. An income over the District of Columbia median simply moves you to Part 2, which deducts housing, transportation, taxes, and support, and plenty of District of Columbia filers pass there.
Does this calculator run the full District of Columbia means test?
It covers Part 1 only, the income comparison against the District of Columbia median. Part 2 deductions on Form 122A-2 are not calculated here, so use this as a first read and confirm with a District of Columbia bankruptcy attorney.
Is Social Security counted in the District of Columbia 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.
Does CuraDebt give legal advice or file bankruptcy in District of Columbia, and is it a law firm?
CuraDebt is a free service that reviews the information you submit and, where appropriate and permitted by law, matches you with independent, licensed providers for debt relief or tax resolution. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
Related Resources
- National Chapter 7 means test calculator
- Bankruptcy exemptions calculator
- Debt settlement vs. bankruptcy
- All debt and tax calculators
