Texas Bankruptcy Exemptions

Homestead (must be used as rural or urban home or as a place to exercise a calling or business in urban area)

Unlimted value for 200 acres for family (100 acres for single adult) of rural land OR up to 10 acres of urban land in one or more contiguous lots. Includes improvements.

Constitution Art. 16, §§ 50, 51 Property Code §§ 41.001, 41.002

One motor vehicle (2,3, or 4 wheeled) for each family member with driver’s license or who relies on another to operate vehicle

100%

Prop. Code §§ 42.001(a), 42.002(a)(9)

Unpaid commissions for personal services

$15,000 for debtor who is a family member $7,500 for single non family-member, adult

Property Code § 42.001(d)

Current wages for personal services

100% (child support claims excepted)

Property Code § 42.001(b)(1)

Employees group life insurance benefits & contributions

100%

Ins. Code arts. 3.50-2, § 10; 3.50, § 9

Life insurance and annuity proceeds, including cash value

100%

Ins. Code § 1108.001 and § 1108.51

Texas employee uniform group insurance

100%

Ins. Code § 1551-011

Fraternal Benefit Society benefits

100%

Ins. Code § 885.316

Benefits paid under life, health or accident insurance policies

100%

Ins. Code. § 1551.011 1108.051

Jewelry

$15,000 for debtor who is a family member 7,500 for single non family-member adult

Prop. Code §§ 42.001(a), 42.002(a)(6)

Wearing apparel

100%

Prop. Code §§ 42.001(a), 42.002(a)(5)

Home furnishings, including family heirlooms and Bible

100%

Prop. Code §§ 42.001(a), 42.002(a)(1), 42.001(b)(4)

Professionally prescribed health aids

100%

Property Code § 42.001(b)(2)

Household pets

100%

Prop Code §§ 42.001(a),42.002(a)(11)

Lots held as burying grounds

100%

Property Code § 41.001(a)

Certain livestock and poultry

100%

Property Code §§ 42.001(a), 42.002(a)(10)

Athletic and sporting equipment, including bicycles

100%

Prop. Code §§ 42.001(a), 42.002(a)(8)

Two firearms

100%

Prop. Code §§ 42.001(a), 42.002(a)(7)

Law enforcement officers' survivors benefits

100%

Government Code § 615.005

Judicial system retirement benefits

100%

Government Code § 831.004

Texas State College or University Employee Benefits

100%

Ins. Code § 1601-008

State employees retirement & pension benefits

100%

Government Code § 811.005

Proceeds and assets of tax-qualified personal or corporate retirement plans and IRAs and Health Savings Accounts

100% of qualified amounts

Property Code § 42.0021

Public School employees insurance benefits and contribution

100%

Insurance Code § 1551.011

Teachers pension & retirement benefits

100%

VACS Title 110B, § 31.005 Government Code § 821.005

Police, firemen & fire alarm operators pension, relief & retirement benefits

100%

VACS arts. 6243a-1 § 8.03, 6243b § 15, 6243d-1 § 17, 6243e § 5, 6243e.1 § 1.04, 6243e.2(1) § 15, 6243g-1 § 23B, 6243j § 20, 6243o § 1.05

Municipal employees retirement benefits

100%

Government Code § 851.006

County & district employees pension & retirement benefits

100%

Government Code § 841.006

Tools, equipment, books, and apparatus, used in a trade or profession

100% (includes boats and motor vehicles)

Prop. Code §§ 42.001(a), 42.002(a)(4)

Farming or ranching vehicles and implements

100%

Prop. Code §§ 42.001(a), 42.002(a)(3)

Crime victim’s compensation

100%

Code Crim. Proc. § 56.49

Medical assistance payments to needy

100%

Human Resources Code § 32.036

Public assistance benefits

100%

Human Resources Code § 31.040

Workmen's compensation benefits

100%

Labor Code § 408.201

Unemployment compensation benefits

100%

Labor Code § 207.075

Provisions for consumption

100%

Prop. Code §§ 42.001(a), 42.002(a)(2)

Alimony, maintenance or support

100%

Property Code § 42.001(b)(3)

Proceeds of voluntary sale of homestead (good for 6 months after sale)

same as for homestead that was sold

Property Code § 41.001(c)

Survivorship rights in homestead property

100% of homestead rights

Prob. Code §270,272, 284

Spouse’s separate property or sole management and community property of a non-debtor

100%

11 USC §541(c)(2) Family Code § 3.202

Real property of the state

100%

Property Code § 43.002

Public libraries

100%

Property Code § 43.001

Partner’s interest in partnership property

100% (See Statute)

Bus. Org. Code § 153.256

Assets in & benefits from Texas College Savings Plans & prepaid tuition

100%

Property Code § 42.0022 & Ed. Code §54.709(e) & 54.639