Property & exemptions
Michigan bankruptcy exemptions
Verified Michigan exemptions — 6 categories below, each quoted from the statute that states it. A category not listed is one we have not published for Michigan, not a finding that Michigan law is silent on it.
Which exemption list applies in Michigan
Not published yet. Whether Michigan lets you choose the federal exemptions under 11 U.S.C. § 522(d), or limits you to Michigan law, is the fact that decides which list applies to everything you own — so we are not going to guess at it here.
This page is still being completed
Michigan is held pending a recorded completeness blocker. We show what has been verified rather than filling the gap with something we have not checked — but treat what follows as partial.
Homestead — your home
Michigan publishes more than one current amount here. Which applies depends on your circumstances — compare the conditions below rather than assuming the largest.
- Michigan adjusted homestead$51,150
Current Michigan adjusted homestead limit.
- Michigan adjusted senior or disabled homestead$76,725
Current Michigan adjusted homestead limit where the debtor or a dependent is 65 or older or disabled at filing.
Motor vehicle
- Michigan adjusted motor vehicle$4,725
Current Michigan adjusted one-motor-vehicle limit.
Household goods and furnishings
Michigan publishes more than one current amount here. Which applies depends on your circumstances — compare the conditions below rather than assuming the largest.
- Michigan adjusted household aggregate$5,125
Current Michigan adjusted aggregate household-goods limit for cases filed on or after April 1, 2026.
- Michigan adjusted household item$775
Current Michigan adjusted per-item household-goods limit for cases filed on or after April 1, 2026.
Tools of the trade
Michigan publishes more than one current amount here. Which applies depends on your circumstances — compare the conditions below rather than assuming the largest.
- Michigan adjusted crops, farm animals, and feed$3,400
Current Michigan adjusted agricultural-property limit.
- Michigan adjusted tools of trade$3,400
Current Michigan adjusted principal-profession, trade, occupation, or business tools limit.
Electronics
- Michigan adjusted computer and accessories$875
Current Michigan adjusted computer-and-accessories limit.
Other published exemptions
Michigan publishes more than one current amount here. Which applies depends on your circumstances — compare the conditions below rather than assuming the largest.
- Michigan adjusted household pets$875
Current Michigan adjusted household-pet limit.
- Michigan adjusted worship seat, pew, or slip$875
Current Michigan adjusted limit for a seat, pew, or slip in a place of worship.
What these amounts do and do not mean
- An exemption protects your EQUITY — what the property is worth beyond what you still owe on it — not the item’s sticker price.
- More than one amount can apply in the same category. Where that is true the entries below are listed separately with the condition that selects each one; we do not pick for you.
- Federal limits can still apply on top of state law. 11 U.S.C. § 522(p) and (q) can cap a homestead claim for someone who moved recently or in specific circumstances.
- Which set of exemptions you may use depends on where you were domiciled during the period 11 U.S.C. § 522(b)(3)(A) measures, which is not always the state you live in today.
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