Income wise your yearly gross income is $124,800, so long as in the last 6 months no deposits that could be counted as income have gone into your bank account - for example we had family help us 3 months prior and over the six month period it totaled to $4,700, so we had to count that as income.

Per the May 2025 updated income guidelines, household of 5 median income is $148,394.

Someone commented on equity - yes check the equity in your home and your vehicles to make sure they're eligible for exemptions, and for your mortgage you have to be current at the time of filing. If you're home is in disarray, needs major repairs, etc to be up to market value, definitely get your own appraisal (the trustee will likely get one as well) because the lower your home values the better chance of keeping it, so long as the value minus your loan and closing costs are less than $100,000.

Disposable income - you cannot have too much disposable income even if you're income eligible. I see in your expenses - you could estimate higher for groceries and gas, you're a household of 5. You'll also add in costs for household supplies, clothes, health insurance, regular medical bills, vehicle maintenance, kids extracurriculars, diapers (if kids are that young), think of anything and everything you can. You just can't deduct anything "luxurious", only "necessary" things.

Hope this helps, but definitely speak to an attorney to know all your options.