| State | Wage-garnishment limit | Verified rule |
|---|
| Alabama | At least the federal cap applies (a stronger Alabama rule has not been individually verified) | federal floor |
| Alaska | At least the federal cap applies (a stronger Alaska rule has not been individually verified) | federal floor |
| Arizona | Federal 25% cap — but an Arizona court can reduce it to 15% for hardship | ✓ |
| Arkansas | At least the federal cap applies (a stronger Arkansas rule has not been individually verified) | federal floor |
| California | Lesser of 25% of disposable, or the amount over 40× the applicable minimum wage | ✓ |
| Colorado | Greater of 80% of disposable or 40× state minimum wage is exempt (~20% reachable) | ✓ |
| Connecticut | At least the federal cap applies (a stronger Connecticut rule has not been individually verified) | federal floor |
| Delaware | At least the federal cap applies (a stronger Delaware rule has not been individually verified) | federal floor |
| Florida | Head-of-family wages fully exempt (≤ $750/wk; above only with written consent); otherwise federal 25% | ✓ |
| Georgia | Federal 25% cap (Georgia follows the CCPA) | ✓ |
| Hawaii | At least the federal cap applies (a stronger Hawaii rule has not been individually verified) | federal floor |
| Idaho | At least the federal cap applies (a stronger Idaho rule has not been individually verified) | federal floor |
| Illinois | Lesser of 15% of gross weekly pay or the amount over 45× the Illinois minimum wage | ✓ |
| Indiana | At least the federal cap applies (a stronger Indiana rule has not been individually verified) | federal floor |
| Iowa | At least the federal cap applies (a stronger Iowa rule has not been individually verified) | federal floor |
| Kansas | At least the federal cap applies (a stronger Kansas rule has not been individually verified) | federal floor |
| Kentucky | At least the federal cap applies (a stronger Kentucky rule has not been individually verified) | federal floor |
| Louisiana | At least the federal cap applies (a stronger Louisiana rule has not been individually verified) | federal floor |
| Maine | At least the federal cap applies (a stronger Maine rule has not been individually verified) | federal floor |
| Maryland | Federal 25% cap (most MD counties; a few counties protect more) | ✓ |
| Massachusetts | Only ~15% of gross can be taken (85% protected, or 50× state minimum wage if greater) | ✓ |
| Michigan | Federal 25% cap (Michigan follows the CCPA) | ✓ |
| Minnesota | Federal 25% cap (Minnesota protects the greater of 75% of disposable or 40× the federal minimum wage) | ✓ |
| Mississippi | At least the federal cap applies (a stronger Mississippi rule has not been individually verified) | federal floor |
| Missouri | Head of family: 10% of disposable. Otherwise federal 25% | ✓ |
| Montana | At least the federal cap applies (a stronger Montana rule has not been individually verified) | federal floor |
| Nebraska | At least the federal cap applies (a stronger Nebraska rule has not been individually verified) | federal floor |
| Nevada | At least the federal cap applies (a stronger Nevada rule has not been individually verified) | federal floor |
| New Hampshire | At least the federal cap applies (a stronger New Hampshire rule has not been individually verified) | federal floor |
| New Jersey | 10% of income if at/below 250% of the federal poverty line; otherwise up to the federal 25% | ✓ |
| New Mexico | At least the federal cap applies (a stronger New Mexico rule has not been individually verified) | federal floor |
| New York | Lesser of 10% of gross income or 25% of disposable; nothing if disposable is below 30× the NY minimum wage | ✓ |
| North Carolina | No wage garnishment for ordinary debts | ✓ |
| North Dakota | At least the federal cap applies (a stronger North Dakota rule has not been individually verified) | federal floor |
| Ohio | Federal 25% cap (Ohio follows the CCPA) | ✓ |
| Oklahoma | At least the federal cap applies (a stronger Oklahoma rule has not been individually verified) | federal floor |
| Oregon | Greater of 75% of disposable or ~$254/week is exempt | ✓ |
| Pennsylvania | No wage garnishment for most consumer debts | ✓ |
| Rhode Island | At least the federal cap applies (a stronger Rhode Island rule has not been individually verified) | federal floor |
| South Carolina | No wage garnishment for consumer debts | ✓ |
| South Dakota | At least the federal cap applies (a stronger South Dakota rule has not been individually verified) | federal floor |
| Tennessee | At least the federal cap applies (a stronger Tennessee rule has not been individually verified) | federal floor |
| Texas | No wage garnishment for ordinary consumer debts | ✓ |
| Utah | At least the federal cap applies (a stronger Utah rule has not been individually verified) | federal floor |
| Vermont | At least the federal cap applies (a stronger Vermont rule has not been individually verified) | federal floor |
| Virginia | Federal 25% cap (Virginia follows the CCPA) | ✓ |
| Washington | Consumer debt: only ~20% of disposable can be taken (80% protected, or 35× state minimum wage if greater) | ✓ |
| West Virginia | At least the federal cap applies (a stronger West Virginia rule has not been individually verified) | federal floor |
| Wisconsin | Only ~20% of disposable can be taken (80% protected; full exemption if below the poverty line) | ✓ |
| Wyoming | At least the federal cap applies (a stronger Wyoming rule has not been individually verified) | federal floor |