Arizona · Bankruptcy exemptions

Arizona Bankruptcy Exemptions

$437,600 2026 CPI-adjusted homestead exemption, computed from the $400,000 base in A.R.S. § 33-1101(A) and the annual CPI-U formula in A.R.S. § 33-1101(D). One exemption per person or married couple; no doubling.

Four rules checked against governing sourcesSources checked through Jul 3, 2026Inspect the coverage gate

Answer first, sources attached

The four rules to check first

These are current source-linked reference points, not a conclusion about which exemptions apply to a particular filing.

Home equity

Homestead

$437,600 2026 CPI-adjusted homestead exemption, computed from the $400,000 base in A.R.S. § 33-1101(A) and the annual CPI-U formula in A.R.S. § 33-1101(D). One exemption per person or married couple; no doubling.

A.R.S. § 33-1101(A), (D); BLS CPI-U CUUR0000SA0 August 2022-2025

Verified Jul 3, 2026 · Next review by Jan 15, 2027

Transportation

Motor vehicle

$16,500 2026 CPI-adjusted equity in one motor vehicle; $27,500 if the debtor or debtor's dependent has a physical disability. Base statute is $15,000 / $25,000 with annual CPI-U adjustment.

A.R.S. § 33-1125(8); BLS CPI-U CUUR0000SA0 August 2022-2025

Verified Jul 3, 2026 · Next review by Jan 15, 2027

System choice

State or federal exemption system

Arizona residents are not entitled to the federal bankruptcy exemptions provided in 11 U.S.C. § 522(d).

A.R.S. § 33-1133(B)

Verified Jul 3, 2026 · Next review by Jul 3, 2027

What changes the answer

The number is only the starting point

  • Petition date and domicileTiming can change the applicable state system and the operative amount.
  • Equity, liens, and ownershipThe protected interest is not simply the property’s market value.
  • Joint filing and doublingWhether spouses can combine an exemption depends on the rule and facts.
  • Federal limits and case lawFederal provisions, including 11 U.S.C. § 522(p), and controlling decisions can limit the result.

Organize home equity

Work through value, secured balances, selling costs, and an optional exemption reference.

View published income figures

See the current U.S. Trustee table by household size for Arizona.

Find licensed help

Use public directories to find a lawyer who can apply the rules to a filing.

For bankruptcy attorneys

Put the rule into the matter, not another note

DocketBuddy carries source-linked exemption data into the client record, organizes the facts that affect the analysis, and leaves the legal decision with the attorney.

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This page reports source-linked state rules and review dates. It does not select an exemption system, determine eligibility, calculate protected equity, or apply law to an individual situation. Verify the cited authority and current law before relying on a figure.