Name: U.S. State Wage Garnishment Limits (2026)
Creator: Garnishment Calculator
License: https://garnishmentcalculator.com/disclosure

The short version: 4 states (North Carolina, Pennsylvania, South Carolina, Texas) bar wage garnishment for ordinary consumer debt entirely. Everywhere else, a hard floor of weekly earnings is protected before any garnishment applies — from the federal minimum of $217.50/week up to Arizona’s $909/week. Federal law caps most consumer garnishment at 25% of disposable pay; child support can reach 50–65%, and defaulted federal student loans, 15%.

State	Max creditor can take	Weekly pay protected	Child support	Statute
Alabama	25% of disposable	$217.50/wk	50–65%	Alabama Code Title 6, Chapter 10
Alaska	25% of disposable	$473/wk	50–65%	Alaska Statutes §09.38
Arizona	10% of disposable	$909/wk	50–65%	Arizona Revised Statutes §33-1131 (as amended by Prop. 209); §12-1598 (procedures)
Arkansas	25% of disposable	$217.50/wk	50–65%	Arkansas Code §16-110-401 et seq.
California	20% of disposable	$811.20/wk	50–65%	California Code of Civil Procedure §706.050
Colorado	20% of disposable	$606.40/wk	50–65%	Colorado Revised Statutes §13-54-104
Connecticut	25% of disposable	$677.60/wk	50–65%	Connecticut General Statutes §52-361a
Delaware	15% of disposable	$217.50/wk	50–65%	Delaware Code Title 10, §4913
Florida	25% of disposable	$217.50/wk	50–65%	Florida Statutes §222.11
Georgia	25% of disposable	$217.50/wk	50–65%	Georgia Code §18-4-1 et seq.
Hawaii	25% of disposable	$217.50/wk	50–65%	Hawaii Revised Statutes §652
Idaho	25% of disposable	$217.50/wk	50–65%	Idaho Code §11-717
Illinois	15% of gross	$675/wk	50–65%	Illinois Compiled Statutes 735 ILCS 5/12-803
Indiana	25% of disposable	$217.50/wk	50–65%	Indiana Code §24-4.5-5-105
Iowa	25% of disposable	$217.50/wk	50–65%	Iowa Code §642.21
Kansas	25% of disposable	$217.50/wk	50–65%	Kansas Statutes §60-2310
Kentucky	25% of disposable	$217.50/wk	50–65%	Kentucky Revised Statutes §427.010
Louisiana	25% of disposable	$217.50/wk	50–65%	Louisiana Revised Statutes §13:3881
Maine	25% of disposable	$604/wk	50–65%	Maine Revised Statutes Title 14, §3127-A
Maryland	25% of disposable	$450/wk	50–65%	Maryland Code, Commercial Law §15-601.1
Massachusetts	15% of gross	$750/wk	50–65%	Massachusetts General Laws Chapter 246, §28
Michigan	25% of disposable	$217.50/wk	50–65%	Michigan Compiled Laws §600.4012
Minnesota	10–25% of disposable (by income)	$456.40/wk	50–65%	Minnesota Statutes §571.922
Mississippi	25% of disposable	$217.50/wk	50–65%	Mississippi Code §85-3-4
Missouri	25% of disposable	$217.50/wk	50–65%	Missouri Revised Statutes §525.030
Montana	25% of disposable	$217.50/wk	50–65%	Montana Code §25-13-614
Nebraska	25% of disposable	$217.50/wk	50–65%	Nebraska Revised Statutes §25-1558
Nevada	18–25% of disposable (by income)	$362.50/wk	50–65%	Nevada Revised Statutes §31.295
New Hampshire	25% of disposable	$362.50/wk	50–65%	New Hampshire RSA 512:21
New Jersey	10% of disposable	$217.50/wk	50–65%	New Jersey Statutes §2A:17-56
New Mexico	25% of disposable	$480/wk	50–65%	New Mexico Statutes §35-12-7
New York	10% of gross	$510/wk	50–65%	New York CPLR §5231
North Carolina	Not allowed	100% protected	50–65%	North Carolina General Statutes §1-362
North Dakota	25% of disposable	$290/wk	50–65%	North Dakota Century Code §32-09.1
Ohio	25% of disposable	$217.50/wk	50–65%	Ohio Revised Code §2329.66
Oklahoma	25% of disposable	$217.50/wk	50–65%	Oklahoma Statutes Title 31, §1
Oregon	25% of disposable	$400/wk	50–65%	Oregon Revised Statutes §18.385
Pennsylvania	Not allowed	100% protected	50–65%	Pennsylvania Consolidated Statutes Title 42, §8127
Rhode Island	25% of disposable	$217.50/wk	50–65%	Rhode Island General Laws §10-5-8
South Carolina	Not allowed	100% protected	50–65%	South Carolina Code §15-39-410
South Dakota	20% of disposable	$474/wk	50–65%	South Dakota Codified Laws §21-18-51
Tennessee	25% of disposable	$217.50/wk	50–65%	Tennessee Code §26-2-106
Texas	Not allowed	100% protected	50–65%	Texas Constitution Article XVI, §28; Texas Property Code §42.001
Utah	25% of disposable	$217.50/wk	50–65%	Utah Code §70C-7-103
Vermont	15% of disposable	$290/wk	50–65%	Vermont Statutes Title 12, §3170
Virginia	25% of disposable	$510.80/wk	50–65%	Virginia Code §34-29
Washington	20% of disposable	$599.55/wk	50–65%	RCW 6.27.150
West Virginia	20% of disposable	$362.50/wk	40–55%	West Virginia Code §46A-2-130
Wisconsin	20% of disposable	$217.50/wk	50–65%	Wisconsin Statutes §812.34
Wyoming	25% of disposable	$217.50/wk	50–65%	Wyoming Statutes §1-15-511

Click any column heading to sort. “Weekly pay protected” is the disposable earnings floor exempt from consumer-debt garnishment; states that prohibit it show as 100% protected. Figures are educational, not legal advice — see each state page and statute for specifics.

Cite this data

This dataset is free to cite, quote, and link. Every figure was verified against the state’s governing statute and is kept current with 2026 minimum-wage and exemption changes.

Garnishment Calculator, “How Much of Your Paycheck Each State Protects From Garnishment (2026).” garnishmentcalculator.com/compare. Verified August 1, 2026.

Journalists and researchers: I can provide the computed garnishment figures for any state, pay frequency, and income — free, no strings. Request the numbers.

How to read the table

Max creditor can take — the ceiling for ordinary consumer debt (credit cards, medical). Child support, taxes, and student loans follow separate, higher limits.
Weekly pay protected — earnings below this line can’t be garnished for consumer debt at all, no matter how much is owed.
Child support — the CCPA range (50% supporting another family, up to 65% with 12+ weeks of arrears).

Open any state for the full breakdown →

Data verified August 1, 2026 against state statutes and 2026 minimum-wage schedules. Sources include each state’s garnishment statute (linked on the individual state pages) and the federal Consumer Credit Protection Act (15 U.S.C. § 1673).