What Creditors Cannot Take
MCA 70-32-104 — a homestead set at $350,000 in 2021 and rising 4% a year, plus household goods, a car and tools
The homestead is the house or mobile home the claimant lives in and the land under it. Its value limit was $350,000 in 2021 and increases by 4% every calendar year after that.
Who handles this in Montana: legal aid programs, lawyer referral and the state offices, listed in the Montana directory.
| Property | Exempt up to |
|---|---|
| PropertyHousehold goods, clothing, jewelry, firearms, animals and the like | Exempt up to$7,000 in all, $1,250 for any one item |
| PropertyOne motor vehicle | Exempt up to$4,000 |
| PropertyTools and books of the trade | Exempt up to$4,500 |
A garnishment may take no more of a week's disposable earnings than 25%, or the amount over 30 times the federal minimum hourly wage, whichever is less. Support orders may take more.
Sources for this section (4)
- MCA 70-32-101 — Of what homestead consists
- MCA 70-32-104 — Limitation on value
- MCA 25-13-609 — Personal property exempt subject to value limitations
- MCA 25-13-614 — Earnings of judgment debtor
Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Montana attorney.