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Chapter 222 — Property Exempt from Creditors

Florida Statute 222.25

Other individual property of natural persons exempt from legal process

The single-vehicle exemption reads $5,000 in the 2026 Florida Statutes. Older guides still quote the long-standing $1,000 figure — check the current edition before relying on either.

What it means

§222.25 lists the personal exemptions every Florida natural person holds: an interest up to $5,000 in a single motor vehicle; professionally prescribed health aids; any refund or credit from the federal earned income credit; and — for a debtor who does not claim or receive the benefits of a homestead exemption — up to $4,000 in other personal property.

The $4,000 “wildcard” is a trade: homestead protection or the wildcard, not both. And neither the earned-income-credit exemption nor the wildcard applies against a debt owed for child support or spousal support.

— What it says
  • Up to $5,000 of the debtor's interest in a single motor vehicle is exempt.
  • Professionally prescribed health aids are exempt, with no dollar cap.
  • A federal earned income credit refund or credit is exempt — except against child or spousal support debts.
  • A $4,000 personal-property wildcard applies only if the debtor does not claim or receive the benefits of homestead — and also yields to support debts.
— In a real probate

How it plays out

These exemptions belong to living debtors, so in estate work they surface at the edges — a beneficiary with a judgment against them, a surviving spouse's own finances. The section families actually need is usually §732.402, the probate exemption that sends household furnishings and the family vehicles to the spouse or children ahead of most creditors — different statute, different mechanism. When both could matter, we start with 732.402, because it removes property from the claims process altogether.

Where this shows up

Pages on this site where § 222.25 does real work:

Questions people ask

How much of my car is protected from creditors in Florida?
Florida Statute 222.25 exempts up to $5,000 of your interest in a single motor vehicle from legal process. Equity above that is reachable, and the exemption is separate from the $4,000 personal-property wildcard for debtors without homestead.
The official text
This page is a plain-English summary, verified against the 2026 Florida Statutes — it is not the statute, and it isn't legal advice for your situation.
Read § 222.25
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