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Bankruptcy in Ohio: Exemptions and Filing Guide

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

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $145,425.
  • Vehicle exemption: $4,060.
  • Must use state exemptions (no federal option).
  • Attorney fees: $1,000–$1,800 (Ch. 7) / $2,500–$4,000 (Ch. 13) typical.
$145,425 Homestead exemption
$4,060 Vehicle exemption
No Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

Ohio Bankruptcy Exemptions

  • Homestead$145,425
  • Vehicle$4,060
  • Personal property$13,400 household goods; $1,875 jewelry
  • Wildcard$1,325
  • Federal exemptionsNot available

Means Test: Ohio Median Income

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

  • 1 person$55,800
  • 2 people$69,400
  • 3 people$80,600
  • 4 people$94,600

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 districtsNorthern and Southern Districts of Ohio

Ohio bankruptcy court

Related Resources

Frequently Asked Questions

  • What is Ohio's homestead exemption?

    Ohio provides a $145,425 homestead exemption, which is generous compared to neighboring states.

  • Can I use federal exemptions in Ohio?

    No. Ohio requires the use of state exemptions.

  • Does Ohio have a wildcard exemption?

    Yes. Ohio provides a $1,325 wildcard exemption that can be applied to any property.

  • How long must I wait to refile bankruptcy in Ohio?

    You must wait 8 years after a Chapter 7 discharge to file another Chapter 7, or 4 years to file a Chapter 13. After a Chapter 13 discharge, you must wait 6 years for another Chapter 7 or 2 years for another Chapter 13.

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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