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Bankruptcy in Idaho: Exemptions and Filing Guide

State-specific bankruptcy exemptions and filing information for Idaho. These exemptions determine what property you can keep when filing Chapter 7 bankruptcy.

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $175,000.
  • Vehicle exemption: $10,000.
  • Must use state exemptions (no federal option).
  • Attorney fees: $1,000–$1,800 (Ch. 7) / $2,500–$4,000 (Ch. 13) typical.
$175,000 Homestead exemption
$10,000 Vehicle exemption
No Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

Idaho Bankruptcy Exemptions

  • Homestead$175,000
  • Vehicle$10,000
  • Personal property$7,500 household furnishings; $1,500 jewelry
  • Wildcard$1,500
  • Federal exemptionsNot available

Means Test: Idaho Median Income

To qualify for Chapter 7 in Idaho, your income must be below the state median or you must pass the means test showing no disposable income for creditors.

  • 1 person$57,000
  • 2 people$69,350
  • 3 people$76,500
  • 4 people$88,800

Filing Costs

  • Court filing fee$338 (Chapter 7) / $313 (Chapter 13)
  • Typical attorney fee$1,000–$1,800 (Ch. 7) / $2,500–$4,000 (Ch. 13)
  • Court districtsDistrict of Idaho

Idaho bankruptcy court

Related Resources

Frequently Asked Questions

  • What is Idaho's homestead exemption?

    Idaho allows a homestead exemption of up to $175,000 for your primary residence.

  • Can I keep my vehicle in Idaho bankruptcy?

    Yes. Idaho provides a $10,000 vehicle exemption, which is sufficient to protect most standard vehicles.

  • Does Idaho allow federal exemptions?

    No. Idaho requires debtors to use state exemptions only.

  • Are wages protected in Idaho bankruptcy?

    Idaho law protects the greater of 75% of disposable earnings or 30 times the federal minimum wage per week from garnishment.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

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