Property & exemptions
Texas bankruptcy exemptions
Selected key Texas exemptions — the homestead, vehicle, wildcard categories below are quoted from the statute that states them. This is not a complete list of everything Texas protects.
Which exemption list applies in Texas
Not published yet. Whether Texas lets you choose the federal exemptions under 11 U.S.C. § 522(d), or limits you to Texas 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
No completeness decision has been recorded for Texas. 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
- Texas homestead — no fixed dollar capNo dollar limit stated
No fixed dollar cap under Texas law. The protected homestead is limited by use and acreage: up to 10 urban acres; up to 200 rural acres for a family or 100 rural acres for a single adult. Federal bankruptcy limitations, including 11 U.S.C. § 522(p) and (q), may still apply.
Motor vehicle
- Texas motor vehicle — one per eligible personNo single dollar figure — see the rule
One two-, three-, or four-wheeled motor vehicle for each family member or single adult who is licensed, or who relies on another person to operate it for that person's benefit. The vehicle remains within the applicable § 42.001 aggregate cap.
Wildcard and general personal property
- Federal wildcard exemptionNo single dollar figure — see the rule
The available amount is $1,675 plus the unused portion of § 522(d)(1), capped at an additional $15,800. It is not an unconditional $17,475 exemption.
11 U.S.C. § 522(d)(5); 90 Fed. Reg. 8941, corrected at 90 Fed. Reg. 10643
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.
Turn this into a plan for your exact situation, state, and court.
See My Debt Relief Options→