
    In re Tony D. SMITH and Clara L. Smith, Debtors.
    No. HG 08-00850.
    United States Bankruptcy Court, W.D. Michigan.
    Oct. 15, 2008.
    James R. Oppenhuizen, Grand Rapids, MI, for Debtors.
    
      Rachel Hillegonds, Kalamazoo, MI, for Chapter 13 Trustee.
   OPINION RE: TRUSTEE’S OBJECTION TO CONFIRMATION OF DEBTORS’ CHAPTER 13 PLAN

JEFFREY R. HUGHES, Bankruptcy Judge.

The Chapter 13 Trustee has contested confirmation of Troy and Clara Smith’s plan. One point of contention is whether the applicable commitment period for that plan should be three years or five years. That determination in turn depends upon how many persons should be treated as members of the Smiths’ household. The purpose of this opinion is to give both parties guidance concerning that calculation.

BACKGROUND

The Smiths do not have any minor children. However, all three of their adult children remain close. Their daughter Erin lives with the Smiths full time along with her minor child. Anthony, their son, still has a room in the Smiths’ home and he shares some meals with them. And finally, Jessica is a college student who lives at school during the academic year but who resides at home during the summer. She also visits on some weekends when she is in school.

Trustee contends that the Smiths’ household consists of only Mr. and Mrs. Smith. The Smiths, though, contend that their household also includes at least Erin and their grandchild.

Who is included in the Smiths’ household is important because that number determines, among other things, the minimum contribution the Smiths are to make from their income in order to fund their Chapter 13 plan. Specifically, Section 1325(b)(1)(B) requires that if the Chapter 13 trustee or an unsecured creditor insists, a debtor must contribute to his plan all of his “projected disposable income to be received in the applicable commitment period.... ” Section 1325(b)(4), in turn, provides that the “applicable commitment period” will be only three years if the debtor’s annualized “current monthly income” is less than a certain amount but that otherwise the commitment period is to be five years.

The size of the debtor’s household dictates the calculation of this amount. 11 U.S.C. § 1325(b)(4)(A)(ii). For example, if the Smiths’ household is only two, then the comparison will be between the Smiths’ current monthly income, which, when annualized, is $62,652.84, and the “highest median family income” for a family of two in Michigan as reported by the Census Bureau, which is $51,878.00. On the other hand, if the Smiths’ household is four, then the comparison will be with the highest median family income for a family of four as reported by the Census Bureau, which is $74,658.00.

DISCUSSION

“Household” appears throughout the Bankruptcy Code. It is, for example, used as an adjective to distinguish property based upon either location or purpose.

(d) The following property may be exempted ...
(3) The debtor’s interest, not to exceed $525 in value in any particular item or $10,775 in aggregate value, in household furnishings, household goods, wearing apparel, appliances, books, animals, crops or musical instruments, that are held primarily for the personal, family, or household use of the debtor or a dependent of the debtor.

11 U.S.C. § 522(d)(3) (emphasis added).

“Household” is also used sometimes as a noun to describe a location:

A [statement of annual income and expenditures] ... shall disclose—
(C) the identity of any person who contributed, and the amount contributed, to the household in which the debt- or resides.

11 U.S.C. § 521(g)(1)(C) (emphasis added).

And finally, “household” is used as a noun at other times to describe a group, as is the case in this instance.

[I]n the case of a debtor in a household of 2, 3, or 4 individuals, the highest median family income of the application State for a family of the same number or fewer individuals; or

11 U.S.C. § 1325(b)(4)(A)(i)(II) (emphasis added).

Congress for whatever reason chose not to define “household.” Consequently, I am obliged to give that word its plain meaning, See, e.g., Hartford Underwriters Ins. Co. v. Union Planters Bank, N.A., 530 U.S. 1, 6, 120 S.Ct. 1942, 1947, 147 L.Ed.2d 1 (2000)(“[W]hen the statute’s language is plain, the sole function of the courts — at least where the disposition required by the text is not absurd — is to enforce it according to its terms.”) (internal quotation marks omitted); Lamie v. United States Trustee, 540 U.S. 526, 534, 124 S.Ct. 1023, 1030, 157 L.Ed.2d 1024(2004); Union Bank v. Wolas, 502 U.S. 151, 158, 112 S.Ct. 527, 531, 116 L.Ed.2d 514 (1991). Moreover, the presumption is that “household” is to have the same meaning wherever it appears. Cohen v. de la Cruz, 523 U.S. 213, 220, 118 S.Ct. 1212, 1217, 140 L.Ed.2d 341 (1998).

“Household,” when used to delineate a group, can have two meanings. First, it may mean simply all of the persons who use a particular structure as their dwelling space. However, it may also involve a familial relationship. That is, a household may mean only those persons who live together and who are also related by blood or marriage.

The Bureau of the Census opts for the former definition. For its purposes, a “household” consists of “all the people who occupy a housing unit.” Although the Census Bureau’s definition is not controlling, it does have relevance for purposes of interpreting Section 1325(b)(4)(A)(ii) since that agency’s statistics are to be used to determine the “median family income” also referenced in that subsection. See, 11 U.S.C. § 101 (39A).

Moreover, this broader meaning of “household” is supported by that same word’s use elsewhere in the Code. Consider, for example, Section 707(b)(2)(A)(ii)(II):

In addition, the debtor’s monthly expenses may include, if applicable, the continuation of actual expenses paid by the debtor that are reasonable and necessary for care and support of an elderly, chronically ill, or disabled household member or member of the debtor’s immediate family (including parents, grandparents, siblings, children, and grandchildren of the debtor, the dependents of the debtor, and the spouse of the debtor in a joint ease who is not a dependent) and who is unable to pay for such reasonable and necessary expenses. (Emphasis added).

Although not ironclad, the inference is that household members and family members are to be treated as two distinct groups under this subsection so as to permit all non-related persons to qualify so long as they share the same domicile with the debtor and all “non-household” persons, if you will, to also qualify so long as they are otherwise a member of the debtor’s immediate family.

Finally, this broader definition is compatible with how “household” is otherwise used in the Bankruptcy Code. Granted, the more restricted definition might also be satisfactory, although the juxtaposition of “household” with “family” in, for example, Section 522(d)(3) certainly suggests that a household and a family are two different concepts. In any event, broadly defining a household as including all those who reside under the same roof for purposes of Section 1325(b)(4) does not cause some absurd result somewhere else in the Code.

Therefore, I am satisfied that “household” as used in Section 1325(b)(4)(H) means all persons, related or not, who reside in the same housing unit as does the debtor. What that housing unit may be will vary. It could be a single-family home in one case, a duplex unit in another, or an apartment in yet another. Indeed, it could be as small as a single room were the debtor to live in a hotel or a boarding house.

I agree, then, with the court in In re Ellringer, 370 B.R. 905, 910-11 (Bankr.D.Minn.2007), in its interpretation of “household.” On the other hand, I disagree with the court in In re Jewell, 365 B.R. 796 (Bankr.S.D.Ohio 2007), which is the other reported ease on point. Jewell rejected what it characterized as a strict “heads on beds” definition for “household” under related Sections 707(b)(6) and (7) and instead adopted a modified version that also requires consideration of whether the co-resident is being supported by the debtor. Specifically, the test in Jewell is whether the debtor had been the source of support for the pertinent household member for the greater part of the six months preceding his petition. Id. at 801.

Jewell’s reasoning is certainly rational, for the absence of a support element from the headcount under either Section 707(b) or 1325(b) could result in calculations that are “inconsistent with the methodology and purpose of Official Form 22A [the means test].” Id. at 800. However, as well founded as Jewell’s concern may be, the inconsistency Jewell fears does not lead to an absurd result and it is only absurdity that can excuse straying from a statute’s otherwise plain meaning. Hartford Underwriters, 530 U.S. at 6, 120 S.Ct. 1942; Lamie, 540 U.S. at 534-537, 124 S.Ct. 1023. Consequently, I have no choice but to accept the common meaning of “household” and the “heads on beds” approach it engenders. Perhaps at some point in the future Congress itself will adjust the calculus of Section 1325(b)(4) to take into account “financial contribution of the household member, relationship to the debtor, [and] dependency.” Jewell at 800. However, neither this court nor any other can anticipate that change by making its own adjustments to the enactment in the interim.

CONCLUSION

Based upon the parties’ current submissions, it would appear that Erin and Erin’s daughter should be treated as part of the Debtors* household for purposes of Section 1325(b)(4)(A)(ii) and, as such, the applicable commitment period for Debtors is only three years. However, Trustee reserves the right to still offer proofs that neither Erin nor her child actually lives under the same roof as Debtors. Debtors similarly will have the opportunity to present evidence that their household also includes their other two adult children should the need arise.

No order will issue with this opinion. Rather, the parties will continue to prepare for the evidentiary hearing already scheduled in this contested matter for November 21, 2008. 
      
      .The record for purposes of this opinion consists of the briefs filed by both parties and affidavits tiled by the Smiths. Both parties also argued the merits of their respective positions at a hearing held on September 11, 2008.
     
      
      . 11 U.S.C. § 1325(b)(1). All further citations in this opinion to the Bankruptcy Code, 11 U.S.C. § 101, et seq., will be "Section _."
     
      
      . See, 11 U.S.C. §§ 101(39A)and 1325(b)(4)(A)(ii)(II).
     
      
      . See also, 11 U.S.C. §§ 101(8), 101(10A), 101(41 A), 365(d)(5), 506(a)(2), 507(a)(7), 522(d)(3), 522(d)(4), 522(f)(l)(b)(i), and 11 U.S.C. § 722.
     
      
      . See also, 11 U.S.C. §§ 707(b)(2)(A)(ii)(II), 707(b)(6), 707(b)(7), 1322(d).
     
      
      . Section 522(0(4) does include a definition of "household goods.” However, its application is limited to only Section 522(f)(1)(B). Moreover, the definition given is nothing more than a list of items that qualify as a "household good” and a list of items that do not.
     
      
      . "[A] social unit comprised of those living together in the same dwelling place.” Websters Third New International Dictionary (1986) (Unabridged).
     
      
      . "[T]hose who dwell under the same roof and compose a family.” Id.
      
     
      
      . U.S. Census Bureau, Current Population Survey (CPS) — Definitions and Explanations (http://www.census.gov/population/www/cps/ cpsdef.html)
      
     
      
      . Like Section 1325(b)(4)(A)(ii), Section 707(b)(2)(A)(ii)(II) was also enacted as part of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 and, in fact, Section 707(b) includes two other subsections that are, in part, identical to Section 1325(b)(4)(A). See, 11 U.S.C. §§ 707(b)(6) and (7).
     
      
      . The housing unit could also conceivably be a barracks or a cellblock. Whether the inclusion of such structures causes a problem under the Bankruptcy Code is unclear. In any event, it is not for the courts to stray from what is otherwise the plain meaning of the words chosen by Congress. If an issue remains, then it is for Congress to correct it through further definition.
     
      
      . In most instances, the difference in number resulting from Ellringer’s definition of household instead oí Jewell’s definition should be small. Therefore, the variance itself could seldom be described as absurd. ''Absurd,'' after all, means "marked by an obvious lack of reason, common sense, proportion or accord with accepted ideas: ridiculously unreasonable, unsound or incongruous.” Webster Third New International Dictionary (1986) (Unabridged). Moreover, it is questionable whether that threshold would be reached even in those rare instances when the debtor resides in, for example, an open cellblock or barracks. Granted, Ellringer's definition might result in a number that would warrant being described as absurdly large when compared to the one generated by Jewell’s definition. However, the consequence of using that much larger number, as absurd as it might be, is still only the reduction of the debtor's applicable commitment period by two years. Therefore, while it is likely true that the Ell-ringer definition will favor some prisoners and some soldiers over home owners and apartment dwellers, it cannot be said that the favoritism shown would be so great as to be "ridiculously unreasonable, unsound or incongruous.”
      Nor should either the cellblock or barracks anomaly cause problems elsewhere in the Code. For example, the exemption under Section 522(d)(3) of a prisoner's "household goods” would still be limited to only whatever the prisoner himself had owned as of the commencement of his case even though the household goods described under that subsection ostensibly would include the goods of all other prisoners who also resided in the same cellblock.
     