NY Exemptions


The Following are a List of New York Exemptions:






Equity in Real property including co-op, condo or mobile home, to $150,000.

Husband & wife may double this to $300,000 in equity.



Personal Property

Bible; schoolbooks; books to $500; pictures; clothing; church pew or seat; stoves with fuel to last 60 days; sewing machine; domestic animal with food to last 60 days $1,000; food to last 60 days; furniture; refrigerator; TV; radio; wedding ring; watch $1,000; crockery, cooking utensils and tableware needed, to $10,000 total (with farm machinery, etc.)

Burial plot, without structure to ¼ acre

Cash, the lesser of either $2500 in lieu of homestead

Health aids, including animals with food

Lost earnings recoveries needed for support

Motor vehicle to $4000

Personal injury recoveries to $7500 (not to include pain and suffering)

Security deposits to landlord, utility company

Trust fund principal, to 90% of income

Wrongful death recoveries for person you depended on, needed for support



5205(1)-(6), Debtor & Creditor 283(1)


Debtor & Creditor 283(2)


Debtor & Creditor 282(3)(iv)

Debtor & Creditor 282(1)

Debtor & Creditor 282(3)(iii)


5205(c), (d)

Debtor & Creditor 282(3)(ii)


Annuity contract benefits due or prospectively due the debtor, who paid for the contract; if purchased within 6 months prior & not tax-deferred, only $5000

Disability or illness benefits to $400 per month

Life insurance proceeds left at death with the insurance company pursuant to agreement, if clause prohibits proceeds from being used to pay beneficiarys’ creditors

Life insurance proceeds and avails if the person effecting the policy is the spouse of the insured

Insurance 3212(d), Debtor & Creditor 283(1)

Insurance 3212(c)

Estates, Powers & Trusts7-1.5(a)(2)

Insurance 321(b)(2)


Alimony, child support needed for support

Property of business partnership

Debtor & Creditor 282(2)(d)

Partnership 51


ERISA-qualified benefits needed for support, includes IRAs

IRAs needed for support

Keoghs needed for support

Public retirement benefits

State employees

Village police officers

Debtor & Creditor 282(2)(e), 5205(c)

Debtor & Creditor 282(2)(e), 5205(c)

Debtor & Creditor 282(2)(e), 5205(c)

Insurance 4607

Retirement & Social Security 110

Unconsolidated 5711-o

Public Benefits

Aid to blind, aged, disabled, AFDC

Crime victims’ compensation

Home relief, local public assistance

Social security

Unemployment compensation

Veterans’ benefits

Workers’ compensation

Debtor &Creditor 282(2)(c)

Debtor & Creditor 282(3)(i)

Debtor & Creditor 282(2)(a)

Debtor & Creditor 282(2)(a)

Debtor & Creditor 282(2)(a)

Debtor & Creditor 282(2)(b)

Debtor & Creditor 282(2)(c)

Tools of Trade

Farm machinery, team, food for 60 days, professional furniture, books & tools of trade $3,000 total

Uniforms, medal, equipments,. Emblem, horse, arms and sword of military member




90% of earnings from milk sales to milk dealers

90% of earned but unpaid wages received within 60 days prior (100% for a few militia members)


5205(d), (e)

Federal Exemptions May Also be Chosen instead.

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Marc Williams
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