Property & exemptions
New York bankruptcy exemptions
Selected key New York exemptions — the homestead, vehicle, wildcard categories below are quoted from the statute that states them. This is not a complete list of everything New York protects.
Which exemption list applies in New York
New York law or the federal list. New York has not withdrawn the federal set, so a filer may generally choose either the New York exemptions or those in 11 U.S.C. § 522(d) — one list or the other, not the better half of each.
This page is still being completed
No completeness decision has been recorded for New York. 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
New York publishes more than one current amount here. Which applies depends on your circumstances — compare the conditions below rather than assuming the largest.
- New York homestead — remaining counties$102,400
Current adjusted homestead amount for counties outside the two higher-value statutory regions.
- New York homestead — middle region$170,700
Current adjusted homestead amount for Dutchess, Albany, Columbia, Orange, Saratoga, and Ulster Counties.
- New York homestead — downstate region$204,825
Current adjusted homestead amount for Kings, Queens, New York, Bronx, Richmond, Nassau, Suffolk, Rockland, Westchester, and Putnam Counties.
Motor vehicle
New York publishes more than one current amount here. Which applies depends on your circumstances — compare the conditions below rather than assuming the largest.
- New York ordinary motor vehicle$5,500
Current adjusted amount for one ordinary motor vehicle.
N.Y. C.P.L.R. § 5205(a)(8); N.Y. Debt. & Cred. Law § 282(1); N.Y. C.P.L.R. § 5253
- New York disability-equipped motor vehicle$13,625
Current adjusted enhanced amount for one qualifying disability-equipped motor vehicle.
N.Y. C.P.L.R. § 5205(a)(8), (j)(3); N.Y. Debt. & Cred. Law § 282(1); N.Y. C.P.L.R. § 5253
Wildcard and general personal property
New York publishes more than one current amount here. Which applies depends on your circumstances — compare the conditions below rather than assuming the largest.
- New York no-homestead personal property or cash$1,325
Current adjusted amount for additional personal property or cash when no homestead exemption is claimed.
- New York bankruptcy cash cap$6,825
Current adjusted cash ceiling within the bankruptcy no-homestead personal-property alternative.
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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