Ranking Cities by Credit Card Debt

With American consumers estimated to have spent $630.5 billion—much of which with plastic—during the recent holiday shopping season, the credit card comparison website CardHub conducted an analysis of 2016’s Cities with the Highest & Lowest Credit Card Debts. CardHub’s analysts drew upon data from TransUnion, the Federal Reserve, the U.S. Census Bureau and their own payoff calculator to determine the number of months required to pay off the average credit-card balances and associated finance costs in 2,547 U.S. cities.

Cities with the Most Sustainable Credit-Card Debts Cities with the Least Sustainable Credit-Card Debts
1 Cupertino, CA 2528 Ames, IA
2 Saratoga, CA 2529 Auburn, AL
T-3 Mountain View, CA 2530 Lake Placid, FL
T-3 Sunnyvale, CA 2531 Provo, UT
T-5 Lexington, MA 2532 San Marcos, TX
T-5 Los Altos, CA T-2533 Stephenville, TX
7 Foster City, CA T-2533 Winona, MN
T-8 Arlington, MA 2535 Ypsilanti, MI
T-8 Fremont, CA 2536 Milledgeville, GA
T-8 McLean, VA 2537 Carbondale, IL
T-8 Palo Alto, CA 2538 Monsey, NY
T-12 Falls Church, VA 2539 Ruston, LA
T-12 Hoboken, NJ 2540 Murray, KY
T-12 Redmond, WA 2541 Stillwater, OK
T-12 Scarsdale, NY T-2542 Marquette, MI
T-16 Bloomfield Hills, MI T-2542 Richmond, KY
T-16 Powell, OH 2544 West Chester, PA
T-16 Sammamish, WA 2545 Kent, OH
T-16 San Ramon, CA 2546 Powhatan, VA
T-16 Santa Clara, CA 2547 College Station, TX

Comparing the Best & Worst

  • Beverly Hills, Calif., has the highest average credit-card debt, which is five times greater than in Clarkston, Ga., the city with the lowest.
  • Scarsdale, N.Y., has the highest median earnings for workers, which are 10 times greater than in Carbondale, Ill., the city with the lowest.
  • College Station, Texas, has the longest payoff timeline, which is 47 times longer than in Cupertino, Calif., the city with the shortest.

To see where your city ranks in credit card debt, view the full report.