Median family income thresholds for Chapter 7 bankruptcy cases filed in North Carolina. Figures from the U.S. Trustee Program means testing table — the same table courts apply under 11 U.S.C. § 707(b)(7).
Annual Median Income — North Carolina
| Household Size | Annual | Monthly |
|---|---|---|
| 1 Person | $67,117 | $5,593 |
| 2 People | $84,384 | $7,032 |
| 3 People | $101,535 | $8,461 |
| 4 People | $116,737 | $9,728 |
| 5 People | $127,837 | $10,653 |
| 6 People | $138,937 | $11,578 |
| 7 People | $150,037 | $12,503 |
| 8 People | $161,137 | $13,428 |
| Each additional person over 8 | + $11,100 | + $925 |
Source: U.S. Trustee Program — Means Testing Information (effective April 1, 2026 (UST Census-based table)). Households larger than 8: start from the HH8 figure and add $11,100 per additional person. Monthly figures rounded to nearest dollar.
The median income comparison (§ 707(b)(7)) is the first step of the Chapter 7 means test. Your gross monthly income, averaged over the six calendar months before filing, is annualized (×12) and compared to the figure in this table for your household size.
At or below the median: the presumption of abuse does not apply. You are not required to complete the full means test (Form 122A-2), though the court may still consider your actual financial situation.
Above the median: Form 122A-2 determines eligibility. Allowable IRS expense deductions are subtracted from income — you may still qualify for Chapter 7 even if your income exceeds the median threshold.
These figures update periodically. The U.S. Trustee Program publishes revised tables when Census Bureau data is updated. Always verify against the current UST table before filing.
This page is for educational purposes only, not legal advice. The median income comparison is one factor in the means test — it does not account for allowable deductions, non-consumer debt, or other §707(b) considerations. Consult a licensed bankruptcy attorney before filing.
Check your eligibility — free, instant
Enter your household size and monthly income at the hub to see where you stand.
Other States
View all 50 states + D.C.