Home equity
Homestead
Base $350,000 (2021) plus 4% every calendar year after 2021, compounding to operative 2026 value of approximately $425,827
MCA 70-32-104(3)
Verified Jul 3, 2026 · Next review by Jan 1, 2027
Montana · Bankruptcy exemptions
Montana Bankruptcy Exemptions
Base $350,000 (2021) plus 4% every calendar year after 2021, compounding to operative 2026 value of approximately $425,827
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.
Transportation
Motor vehicle
$4,500 motor vehicle exemption under Montana personal-property exemption schedule as carried in current product source.
Mont. Code Ann. § 25-13-609.
Verified Jul 3, 2026 · Next review by Jul 3, 2027
Other property
Wildcard and personal property
No general Montana catch-all wildcard exemption identified for launch gating.
Mont. Code Ann. § 25-13-609.
Verified Jul 3, 2026 · Next review by Jul 3, 2027
System choice
State or federal exemption system
Montana has opted out of federal Sec. 522(d) exemptions; debtors use state exemptions.
Mont. Code Ann. § 31-2-106.
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.