Home equity
Homestead
Unlimited value; acreage 10 ac urban / 200 ac rural-family / 100 ac rural-single
Tex. Prop. Code 41.001-41.002 + Tex. Const. Art. XVI Sec. 51
Verified Jun 29, 2026 · Next review by Jun 28, 2027
Texas · Bankruptcy exemptions
Texas Bankruptcy Exemptions
Unlimited value; acreage 10 ac urban / 200 ac rural-family / 100 ac rural-single
Four rules checked against governing sourcesSources checked through Jun 29, 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
Within the Texas Property Code § 42.001 aggregate cap ($50,000 single / $100,000 family); one motor vehicle for each licensed household member.
Tex. Prop. Code §§ 42.001, 42.002(a)(9); N.D. Tex. Bench/Bar 2022 exemption materials
Verified Jul 3, 2026 · Next review by Jul 3, 2027
Other property
Wildcard and personal property
No separate Texas state wildcard exemption; personal property is protected through the § 42.001 aggregate cap and specific § 42.002 categories.
Tex. Prop. Code ch. 42; N.D. Tex. Bench/Bar 2022 exemption materials
Verified Jul 3, 2026 · Next review by Jul 3, 2027
System choice
State or federal exemption system
Texas has not opted out of the federal §522(d) exemption scheme; eligible debtors may elect either Texas exemptions or federal exemptions.
11 U.S.C. § 522(b); N.D. Tex. Bench/Bar 2022 exemption materials
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.