Pennsylvania Financial Planning Exemptions

• Retirement Accounts Exemption: 100%, except for amounts (1) contributed within 1 year (not including rollovers), (2) contributed in excess of $15,000 in a one-year period, or (3) deemed to be fraudulent conveyances.
• Homestead Exemption: $300

The $300 exemption is a general monetary exemption and is not specific to real estate. PA law does not provide a specific homestead exemption for real estate comparable to federal bankruptcy exemptions. Instead, the $300 exemption applies broadly to personal property and is intended to protect judgment debtors and their families by ensuring they retain basic necessities

• Life Insurance Exemption: Income or return of $100/month
• Annuity (Non-IRA/ERISA) Cash Value Exemption: $100/month

DISCLAIMER: These codes may not be the most current version. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.

Homestead Exemption Amount as of 10/3/25

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