Home equity
Homestead
Unlimited value; acreage 1/2 ac municipality / 160 ac elsewhere (+ $1,000 personal property)
Fla. Const. Art. X Sec. 4(a) + Fla. Stat. 222.01-222.02
Verified Jun 29, 2026 · Next review by Jun 28, 2027
Florida · Bankruptcy exemptions
Florida Bankruptcy Exemptions
Unlimited value; acreage 1/2 ac municipality / 160 ac elsewhere (+ $1,000 personal property)
Four rules checked against governing sourcesSources checked through Jun 18, 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.
Transportation
Motor vehicle
$5,000 interest in a single motor vehicle (Fla. Stat. § 222.25(1) as amended by 2024 Fla. Laws ch. 2024-110, s. 1; raised from $1,000 to $5,000 eff. 2024-07-01)
Fla. Stat. § 222.25(1); 2024 Fla. Laws ch. 2024-110, s. 1
Verified Jun 18, 2026 · Next review by Jun 18, 2027
Other property
Wildcard and personal property
$4,000 personal-property wildcard if debtor does not claim or receive the Florida homestead exemption; otherwise no wildcard.
Fla. Stat. § 222.25(4); Osborne v. Dumoulin, 55 So. 3d 577 (Fla. 2011)
Verified Jul 3, 2026 · Next review by Jul 3, 2027
System choice
State or federal exemption system
Florida has opted out of the federal §522(d) exemption scheme; eligible debtors use Florida exemptions, not the federal exemption schedule.
Fla. Stat. § 222.20
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.
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.
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.