What are bankruptcy exemptions in Washington?

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Washington's   county-based homestead   under RCW 6.13.030 (2021 amendment) is the most generous state homestead in the country for high-cost counties.    1. Choice Between State and Federal   Washington did not opt out. Debtors may choose state (RCW 6.13, 6.15) or federal exemptions.    2. Washington Homestead — RCW 6.13.030     2021 amendment (SB 5408)   changed homestead from a fixed $125,000 to   the median sale price for a single-family home in the county  , calculated yearly.  Example county figures (2024): -   King County  : ~$729,600. -   Snohomish County  : ~$601,700. -   Pierce County  : ~$535,000. -   Spokane County  : ~$390,000. - Smaller rural counties: $125,000+ minimum floor.  This protects the   average homeowner   in expensive Seattle/King County markets — comparable to California's tier system.    3. Wildcard — RCW 6.15.010(1)(d)(ii)   -   $3,000   in personal property of any kind, but   only $1,500 may be cash, securities, or bank deposits  .    4. Motor Vehicle — RCW 6.15.010(1)(d)(iii)   -   $3,250   equity in one vehicle (or 2 if married, total $6,500).    5. Personal Property — RCW 6.15.010(1)(b)   -   Household goods, furniture, appliances, books, clothing  : $6,500 aggregate ($13,000 joint). -   Jewelry — § 6.15.010(1)(d)  : $3,500. -   Family Bible, school books, family pictures  : unlimited. -   Burial plot  : exempt. -   Pets   — including their food.    6. Tools of Trade — RCW 6.15.010(1)(d)(i)   -   $10,000  .    7. Wages — RCW 6.27.150     75% of disposable earnings   OR 35x federal minimum wage exempt — slightly more protective than CCPA.    8. Retirement Accounts — RCW 6.15.020   -   ERISA plans, IRAs, Roth IRAs, 529 plans  : fully exempt.    9. Insurance — RCW 48.18.410, 48.18.420   Life insurance, annuities, disability — fully exempt.    10. Public Benefits — RCW 7.68.070, 50.40.020   Social Security, unemployment, workers' comp, veterans', public assistance, crime victim compensation — fully exempt.    11. Personal Injury Proceeds — RCW 6.15.010(1)(j)   - $20,000 for personal bodily injury (excluding pain and suffering).    12. Federal Exemption Comparison   Federal homestead $27,900 — far less than WA state homestead in most metro counties. State homestead almost always wins.    13. Domicile Requirement     730-day rule   under 11 U.S.C. § 522(b)(3).  This is legal information, not legal advice.