EXPENSE ALLOWANCES FOR ABOVE MEDIAN FAMILY INCOME DEBTORS

in Santa Clara County

IRS National Standards – Food, Clothing & Other
Plus 5% High Cost Adder Amounts x Food & Clothing Only - if applicable in Santa Clara County
Based Upon Household’s Current Gross Income

HH Size	< $833	$833 – 1,249	$1,250 – 1,666	$1,667 - $2,499	$2,500 – 3,333	$3,334 – 4,166	$4,167 – 5,833	$5,834 and over
1	$367 + 11	$409 + 13	$461 + 15	$498 + 16	$556 +19	$621 + 22	$703 + 26	$916 + 35
2	578 + 19	595 + 20	627 + 21	679 + 23	744 + 26	825 + 29	904 + 33	1,306 + 50
3	802 + 28	808 + 28	812 + 28	819 + 29	924 + 33	937 + 33	1,017 + 37	1,368 + 52
4	856 + 29	890 + 30	936 + 33	941 + 33	941 + 33	1,042 + 37	1,063 + 38	1,546 + 59
+ addl person	138 + 5	149 + 5	160 + 6	171 + 6	182 + 7	193 + 7	204 + 8	216 + 8

IRS National Standards – Housing and Utilities – UST Split Allowances

Household Size	1 or 2	3	4 or more
County	Utilities + Mtg/rent	Utilities + Mtg/rent	Utilities + Mtg/rent
Santa Clara	$503 + $1,644	$591 + $1,935	$680 + $2,225
Santa Cruz	493 + 1,407	580 + 1,655	667 + 1,903
San Benito	401 + 1,422	471 + 1,674	542 + 1,924
Monterey	392 + 1,190	461 + 1,401	530 + 1,611

IRS National and Local Standards – Transportation

''Operating Costs – San Francisco Bay Area
(Santa Clara & Santa Cruz Counties)'' (not accumulated)

	No Car	One Car	Two Cars
	$325	$401	$484

Operating Costs – San Benito, Monterey Counties

	No Car	One Car	Two Cars
	$252	$338	$420

Ownership Costs - National (accumulate)

No Car	One Car	Two Cars
$0	$471	+ $332 (= $803)

UST-Determined Administrative Expense Multiplier
for the Northern District of California: 8.9%

(c) 2006 Gold and Hammes, Attorneys

Back to:
Main Page
Bankruptcy Myths and Frequently Asked Questions
Why Not Filing Bankruptcy Can Slow Your Credit Recovery
How Much Will A Bankruptcy Help Me?
California Median Family Income
Nationwide 150% of Poverty Level
Procedure after filing Chapter 13 - SCC
Procedure after filing Chapter 7 - SCC