Oregon Bankruptcy Exemptions

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Federal bankruptcy exemptions available? NO

Though not included in Oregon’s statutory homestead exemption, a court has held that Oregon residents can exempt prepaid rent and security deposits for their residences.

The references to Oregon statutes are to the Oregon Revised Statutes.


United States Bankruptcy Court, District of Oregon

Oregon Bankruptcy Attorneys


Oregon Bankruptcy Exemptions
Assets Exemption State Statute
Homestead Real property that the debtor occupies or intends to occupy: up to $40,000 for 1 person; up to $50,000 for joint owners. Property size limited to 1 block in town or city or 160 acres outside of incorporated area. 18.395; 18.402
  Mobile home on property owned by the debtor or houseboat: up to $23,000 for 1 person; up to $30,000 for joint owners. Property size limitations above apply. 18.402
  Proceeds from sale: all for 1 year after receipt if debtor intends to buy another residence. 18.395
  Real property of a soldier or sailor in time of war: all. 408.44
Insurance Benefits from a fraternal benefit society: up to $7,500 18.348; 748.207
  Life insurance cash value/proceeds: all if the insured is not the debtor. 743.046; 743.047
  Life insurance (group) policy/proceeds: all payable to someone other than the insured. 743.047
  Annuity contract: up to $500 per month in benefits.  
  Disability or health proceeds/avails: all. 743.050
Miscellaneous Child support and alimony: all necessary for support. 18.345(1)(i)
  Liquor licenses: all. 471.292(1)
Pensions Federal pension exemptions.  
  IRAs, SEPs, and other ERISA-qualified benefit payments: up to $7500. 18.348; 18.358
  Pension payments for public officers and employees: up to $7,500. 18. 348(2); 237.980; 238.445
Personal Property Books, pictures, and musical instruments: up to $600 total. 18.345(1)(a), (3)
  Personal items including clothing and jewelry: up to $1,800 total. 18.345(1)(b), (3)
  Motor vehicle: up to $3,000. 18.345(1)(d)(3), (3)
  Pets and other domestic animals and poultry: up to $1,000 plus enough food to last 60 days. 18.345(1)(e)
  Household items including furniture, utensils, televisions, and radios: up to $3,000 total. 18.345(1)(f)
  Food and fuel: enough to last 60 days for a debtor who is a householder. 18.345(1)(f)
  Health aids: all professionally prescribed. 18.345(1)(h)
  Recoveries for personal injury: up to $10,000. 18.345(1)(k)(3)
  Federal tax credits for earned income: all. 18.345(1)(n)
  Lost earning compensation payments for the debtor or someone the debtor depends on: all necessary. 18.345(1)(L); (3)
  Cash from sold exempt property: all. 18.345(2)
  Bank deposits: up to $7,500. 18.348
  Savings account for higher education: up to $7,500. 18.348(1); 348.863
  Guns, including pistol, rifle, or shotgun: up to $1,000 for debtor over 16. 18.362
  Burial plot: all. 97.675
  Building material intended for construction of an improvement: all. 87.075
Public Benefits Crime victim’s compensation benefits: all. 18.345(1)(j), (3); 147.325
  Vocational rehabilitation benefits: up to $7,500. 18.348; 344.580
  Civil defense and disaster relief benefits: all. 18.348; 401.405
  Blind aid: up to $7,500. 18.348; 411.706; 411.760
  Disability benefits: up to $7,500. 18.348; 411.706; 411.760
  Old age assistance benefits: up to $7,500. 18.348; 411.706; 411.760
  General assistance benefits: up to $7,500. 18.348; 411.760
  Medical assistance: up to $7,500. 18.348; 414.095
  Benefits for injured inmates: up to $7,500. 18.348; 655.530
  Workers’ compensation benefits: up to $7,500. 18.348; 656.234
  Unemployment compensation benefits: up to $7,500. 18.348; 657.855
  Veteran’s benefits and proceeds from Veteran’s loans: all. 18.348(m); 407.125; 407.595
Tools of Your Trade Library, tools, team of animals with feed to last 60 days: up to $5,000. 18.345(1)(c), (3)
Wages Wages: at least 75% of disposable weekly wage. The bankruptcy judge may allow a larger exemption for a low-income debtor. 18.385
  Wages withheld for state employee bond savings account: all. 292.070
Wildcard Personal property not covered by other exemption: up to $400. 18.345

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