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Washington Bankruptcy Exemptions

How is the Washington homestead exemption amount calculated?

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Under RCW 6.13.030, the Washington homestead exemption equals the GREATER of $125,000 or the prior calendar year's median sale price of a single-family home in your county, as reported by the Washington Center for Real Estate Research (WCRER).

Because it's tied to each county's actual housing market, the exemption automatically scales with home values: for 2026 filings, King County is approximately $940,000 while Spokane County is approximately $420,698. Counties with medians below $125,000 use the $125,000 floor.

The figure in effect on your petition date controls (the snapshot rule). One federal caveat: if you acquired your home interest within 1,215 days before filing, 11 U.S.C. § 522(p) can cap the exemption at $214,000.

This page is general legal information, not legal advice, and does not create an attorney-client relationship. Exemption figures were verified against official sources in August 2026; inflation-adjusted amounts (including Arizona's Prop 209 figures and county median homestead values) are computed estimates that change annually and should be confirmed by an attorney for your petition date. Contact Majors Law Group, P.C. for advice about your specific situation.

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Majors Law Group

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Because the courts and trustees require everything to be submitted electronically, Majors Law Group operates fully electronically. Currently, nearly all bankruptcy trustees require submission of documents electronically. If you are not able to provide documents electronically, contact us to see what options are available. Clients are required to provide their information and documents electronically — we do not accept physical documents and will not make copies for you. Our platform uses iSoftpull for pulling credit, and will use Plaid to pull credit reports and financial information, to make gathering your information simple and secure. Clients engaging Majors Law Group must agree to the use of electronic documents.

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Majors Law Group, P.C. accepts cases in Arizona and Washington only. Any reference to licensure in another state describes an individual attorney's bar admission and does not mean the firm accepts cases there.

The information on this website is for general informational purposes only and should not be taken as legal advice for any individual case or situation. Viewing or receiving this information does not create an attorney-client relationship. Majors Law Group is a debt relief agency assisting individuals in filing for bankruptcy under the U.S. Bankruptcy Code. While we are committed to providing strong legal representation, Majors Law Group does not guarantee results, nor does it imply or indicate that we win all cases. Each case is unique, and outcomes depend on various factors.

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