What A Creditor Cannot Take
RCW 6.27.150 — most of a week's pay, the homestead, and the listed property
| A week's earnings garnished for | Exempt is the greater of |
|---|---|
| A week's earnings garnished forA consumer debt | Exempt is the greater ofThirty-five times the state minimum hourly wage, or eighty percent of disposable earnings |
| A week's earnings garnished forA private student loan | Exempt is the greater ofFifty times the highest minimum hourly wage in the state, or eighty-five percent |
| A week's earnings garnished forMost other debts | Exempt is the greater ofThirty-five times the federal minimum hourly wage, or seventy-five percent |
The homestead exemption is the greater of $125,000 or the county's median sale price of a single-family home in the preceding year.
- Clothing, with up to $3,500 in furs, jewelry and ornaments.
- A cell phone, a personal computer and a printer.
- Household goods, appliances and furniture up to $6,500.
- Other personal property up to $3,000, of which a limited amount may be in bank accounts, depending on the kind of debt.
Sources for this section (3)
- RCW 6.27.150 — Exemption of earnings from garnishment
- RCW 6.13.030 — Homestead exemption amount
- RCW 6.15.010 — Exempt personal property
Legal information, not legal advice. Verified as of September 2026. Applying it to a particular situation is the work of a licensed Washington attorney.