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Cities with the most and least credit card debt in every state

  • Cities with the most and least credit card debt in every state
    1/ LDprod // Shutterstock

    Cities with the most and least credit card debt in every state

    On its surface, the fact Americans paid down more than $38 billion in credit card debt during the first quarter of 2019 sounds like a good thing. Paying down debt like that represents a reduction in the amount owed by contributing partial payments toward the balance.

    In reality, that number—$38 billion—is 6% lower than the first quarter of 2018; meaning there has been an overall increase of $70 billion in net debt for 2019. For every year of this decade, Americans have started the year off by paying down debt (when things like holiday bonuses and tax refunds come in), but spend the next three quarters borrowing more and more. Though right now the total credit card debt is under the $1 trillion mark—yes, that's 1 million millions—that's likely to change by the end of the year.

    Of course, some areas are more prone to borrowing money than others, namely urban ones; in fact, there are 109 cities where the credit card debt per household is less than the national average. That leaves 2,453 with above-average credit card debt (25 of which owe more than $20,000 per household). Credit card debt in this country is nearing a crisis; the total level of debt is higher than at any point in 2008, during the financial crisis that represents the country's former peak of debt.

    If you're saddled with credit card debt, there are solid steps you can take to relieve the burden. First of all, choose an approach: snowball or avalanche. In both approaches, you should pay the minimum amount of every debt except one that you pay more on. For the snowball method, pay off the smallest debts first; you'll build up the motivation to tackle larger and larger debts until they're all paid off. For the avalanche method, pay off the debt with the highest interest rate first, then when that's done the second-highest, and so on. You'll end up paying less money overall in interest this way. Don't forget to keep a modest emergency fund in case of unexpected occurrences: a car breaking down, a sudden job loss, or an injury not covered by insurance.

    To figure out what credit card debt looks like in every state, Stacker consulted WalletHub's June 2019 study of Federal Reserve and TransUnion data on consumer finances to rank the cities in each state where households have the highest and lowest credit card debt in the first quarter (January, February, and March) of 2019.

    You may also like: How the richest person in every state made their fortune

  • Alabama
    2/ Sharon Phelan Evans // Wikimedia Commons

    Alabama

    - City with the most debt: Vestavia Hills
    --- Household credit card debt: $16,010
    --- Household credit card paydown: $615
    --- Percentile: 89
    - City with the least debt: Sylacauga
    --- Household credit card debt: $8,731
    --- Household credit card paydown: $335
    --- Percentile: 6

  • Alaska
    3/ MaxPixel

    Alaska

    - City with the most debt: Palmer
    --- Household credit card debt: $21,173
    --- Household credit card paydown: $813
    --- Percentile: 99
    - City with the least debt: Anchorage
    --- Household credit card debt: $16,106
    --- Household credit card paydown: $619
    --- Percentile: 90

  • Arizona
    4/ Jeff Shewan // Flickr

    Arizona

    - City with the most debt: Cave Creek
    --- Household credit card debt: $16,918
    --- Household credit card paydown: $650
    --- Percentile: 92
    - City with the least debt: Sun City West
    --- Household credit card debt: $7,150
    --- Household credit card paydown: $275
    --- Percentile: 1

  • Arkansas
    5/ Brad Holt // Flickr

    Arkansas

    - City with the most debt: Bentonville
    --- Household credit card debt: $13,478
    --- Household credit card paydown: $518
    --- Percentile: 72
    - City with the least debt: Harrison
    --- Household credit card debt: $7,829
    --- Household credit card paydown: $301
    --- Percentile: 2

  • California
    6/ Tomharlyu // Wikimedia Commons

    California

    - City with the most debt: Calabasas
    --- Household credit card debt: $24,331
    --- Household credit card paydown: $934
    --- Percentile: 99
    - City with the least debt: Laguna Woods
    --- Household credit card debt: $5,819
    --- Household credit card paydown: $223
    --- Percentile: 1

  • Colorado
    7/ Xnatedawgx // Wikimedia Commons

    Colorado

    - City with the most debt: Monument
    --- Household credit card debt: $18,544
    --- Household credit card paydown: $712
    --- Percentile: 97
    - City with the least debt: Wheat Ridge
    --- Household credit card debt: $9,733
    --- Household credit card paydown: $374
    --- Percentile: 19

  • Connecticut
    8/ Jerry Dougherty // Wikimedia Commons

    Connecticut

    - City with the most debt: Darien
    --- Household credit card debt: $27,652
    --- Household credit card paydown: $1,062
    --- Percentile: 99
    - City with the least debt: New Britain
    --- Household credit card debt: $8,379
    --- Household credit card paydown: $322
    --- Percentile: 4

  • Delaware
    9/ yttend // Wikimedia Commons

    Delaware

    - City with the most debt: Newark
    --- Household credit card debt: $16,384
    --- Household credit card paydown: $629
    --- Percentile: 91
    - City with the least debt: Seaford
    --- Household credit card debt: $9,365
    --- Household credit card paydown: $360
    --- Percentile: 14

  • Florida
    10/ Phillip Pessar // Flickr

    Florida

    - City with the most debt: Coral Gables
    --- Household credit card debt: $23,212
    --- Household credit card paydown: $891
    --- Percentile: 99
    - City with the least debt: Sun City Center
    --- Household credit card debt: $6,140
    --- Household credit card paydown: $236
    --- Percentile: 1

  • Georgia
    11/ Thomson M // Wikimedia Commons

    Georgia

    - City with the most debt: Evans
    --- Household credit card debt: $18,076
    --- Household credit card paydown: $694
    --- Percentile: 96
    - City with the least debt: Forest Park
    --- Household credit card debt: $6,576
    --- Household credit card paydown: $253
    --- Percentile: 1

  • Hawaii
    12/ 293.xx.xxx.xx // Wikimedia Commons

    Hawaii

    - City with the most debt: Ewa Beach
    --- Household credit card debt: $28,981
    --- Household credit card paydown: $1,113
    --- Percentile: 99
    - City with the least debt: Wailuku
    --- Household credit card debt: $13,081
    --- Household credit card paydown: $502
    --- Percentile: 68

  • Idaho
    13/ Rickmouser45 // Wikimedia Commons

    Idaho

    - City with the most debt: Eagle
    --- Household credit card debt: $16,004
    --- Household credit card paydown: $615
    --- Percentile: 89
    - City with the least debt: Twin Falls
    --- Household credit card debt: $9,534
    --- Household credit card paydown: $366
    --- Percentile: 16

  • Illinois
    14/ David Wilson // Flickr

    Illinois

    - City with the most debt: Lake Forest
    --- Household credit card debt: $26,021
    --- Household credit card paydown: $999
    --- Percentile: 99
    - City with the least debt: Harvey
    --- Household credit card debt: $7,167
    --- Household credit card paydown: $275
    --- Percentile: 1

  • Indiana
    15/ Tysto // Wikimedia Commons

    Indiana

    - City with the most debt: Carmel
    --- Household credit card debt: $14,913
    --- Household credit card paydown: $573
    --- Percentile: 83
    - City with the least debt: Greensburg
    --- Household credit card debt: $7,220
    --- Household credit card paydown: $277
    --- Percentile: 1

  • Iowa
    16/ Ashton B Crew // Wikimedia Commons

    Iowa

    - City with the most debt: Ankeny
    --- Household credit card debt: $11,262
    --- Household credit card paydown: $432
    --- Percentile: 42
    - City with the least debt: Mason City
    --- Household credit card debt: $7,884
    --- Household credit card paydown: $303
    --- Percentile: 2

  • Kansas
    17/ Richard Bauer // Flickr

    Kansas

    - City with the most debt: Leawood
    --- Household credit card debt: $18,008
    --- Household credit card paydown: $692
    --- Percentile: 96
    - City with the least debt: Salina
    --- Household credit card debt: $8,593
    --- Household credit card paydown: $330
    --- Percentile: 5

  • Kentucky
    18/ Patrick Baehl de Lescure // Wikimedia Commons

    Kentucky

    - City with the most debt: Independence
    --- Household credit card debt: $13,167
    --- Household credit card paydown: $506
    --- Percentile: 69
    - City with the least debt: Bardstown
    --- Household credit card debt: $7,314
    --- Household credit card paydown: $281
    --- Percentile: 1

  • Louisiana
    19/ Infrogmation of New Orleans // Wikimedia Commons

    Louisiana

    - City with the most debt: Mandeville
    --- Household credit card debt: $14,836
    --- Household credit card paydown: $570
    --- Percentile: 83
    - City with the least debt: Bastrop
    --- Household credit card debt: $6,771
    --- Household credit card paydown: $260
    --- Percentile: 1

  • Maine
    20/ John Phelan // Wikimedia Commons

    Maine

    - City with the most debt: Bangor
    --- Household credit card debt: $10,894
    --- Household credit card paydown: $418
    --- Percentile: 36
    - City with the least debt: Lewiston
    --- Household credit card debt: $9,018
    --- Household credit card paydown: $346
    --- Percentile: 9

  • Maryland
    21/ Doug Kerr // Flickr

    Maryland

    - City with the most debt: Potomac
    --- Household credit card debt: $20,277
    --- Household credit card paydown: $779
    --- Percentile: 99
    - City with the least debt: Cumberland
    --- Household credit card debt: $9,032
    --- Household credit card paydown: $347
    --- Percentile: 10

  • Massachusetts
    22/ Kenneth C. Zirkel // Wikimedia Commons

    Massachusetts

    - City with the most debt: Bridgewater
    --- Household credit card debt: $19,264
    --- Household credit card paydown: $740
    --- Percentile: 98
    - City with the least debt: New Bedford
    --- Household credit card debt: $7,675
    --- Household credit card paydown: $295
    --- Percentile: 1

  • Michigan
    23/ Jimmy Emerson, DVM // Flickr

    Michigan

    - City with the most debt: Bloomfield Hills
    --- Household credit card debt: $19,896
    --- Household credit card paydown: $764
    --- Percentile: 98
    - City with the least debt: Benton Harbor
    --- Household credit card debt: $6,853
    --- Household credit card paydown: $263
    --- Percentile: 1

  • Minnesota
    24/ Jon Platek // Wikimedia Commons

    Minnesota

    - City with the most debt: Prior Lake
    --- Household credit card debt: $14,436
    --- Household credit card paydown: $554
    --- Percentile: 80
    - City with the least debt: Owatonna
    --- Household credit card debt: $8,218
    --- Household credit card paydown: $316
    --- Percentile: 3

  • Mississippi
    25/ Thomas R Machnitzki // Wikimedia Commons

    Mississippi

    - City with the most debt: Madison
    --- Household credit card debt: $14,728
    --- Household credit card paydown: $566
    --- Percentile: 82
    - City with the least debt: Horn Lake
    --- Household credit card debt: $7,583
    --- Household credit card paydown: $291
    --- Percentile: 1

  • Missouri
    26/ Truett Ray // Wikimedia Commons

    Missouri

    - City with the most debt: Chesterfield
    --- Household credit card debt: $14,518
    --- Household credit card paydown: $558
    --- Percentile: 81
    - City with the least debt: West Plains
    --- Household credit card debt: $7,922
    --- Household credit card paydown: $304
    --- Percentile: 2

  • Montana
    27/ Tim Evanson // Wikimedia Commons

    Montana

    - City with the most debt: Bozeman
    --- Household credit card debt: $12,092
    --- Household credit card paydown: $464
    --- Percentile: 55
    - City with the least debt: Saddle Butte
    --- Household credit card debt: $8,861
    --- Household credit card paydown: $340
    --- Percentile: 8

  • Nebraska
    28/ Pixabay

    Nebraska

    - City with the most debt: Bellevue
    --- Household credit card debt: $12,570
    --- Household credit card paydown: $483
    --- Percentile: 62
    - City with the least debt: Fremont
    --- Household credit card debt: $7,728
    --- Household credit card paydown: $297
    --- Percentile: 1

  • Nevada
    29/ 8 News NOW // Flickr

    Nevada

    - City with the most debt: Henderson
    --- Household credit card debt: $13,803
    --- Household credit card paydown: $530
    --- Percentile: 75
    - City with the least debt: Fallon
    --- Household credit card debt: $9,913
    --- Household credit card paydown: $381
    --- Percentile: 22

  • New Hampshire
    30/ Ken Gallager // Wikimedia Commons

    New Hampshire

    - City with the most debt: Londonderry
    --- Household credit card debt: $15,540
    --- Household credit card paydown: $597
    --- Percentile: 87
    - City with the least debt: Concord
    --- Household credit card debt: $10,034
    --- Household credit card paydown: $385
    --- Percentile: 23

  • New Jersey
    31/ Alexisrael // Wikimedia Commons

    New Jersey

    - City with the most debt: Ridgewood
    --- Household credit card debt: $20,857
    --- Household credit card paydown: $801
    --- Percentile: 99
    - City with the least debt: Camden
    --- Household credit card debt: $6,680
    --- Household credit card paydown: $257
    --- Percentile: 1

  • New Mexico
    32/ Ammodramus // Wikimedia Commons

    New Mexico

    - City with the most debt: Rio Rancho
    --- Household credit card debt: $13,906
    --- Household credit card paydown: $534
    --- Percentile: 76
    - City with the least debt: Deming
    --- Household credit card debt: $8,690
    --- Household credit card paydown: $334
    --- Percentile: 6

  • New York
    33/ Generic1139 // Wikimedia Commons

    New York

    - City with the most debt: Dix Hills
    --- Household credit card debt: $27,585
    --- Household credit card paydown: $1,059
    --- Percentile: 99
    - City with the least debt: Jamestown
    --- Household credit card debt: $8,135
    --- Household credit card paydown: $312
    --- Percentile: 3

  • North Carolina
    34/ Jerrye & Roy Klotz, MD // Wikimedia Commons

    North Carolina

    - City with the most debt: Waxhaw
    --- Household credit card debt: $19,241
    --- Household credit card paydown: $739
    --- Percentile: 98
    - City with the least debt: Hendersonville
    --- Household credit card debt: $7,746
    --- Household credit card paydown: $297
    --- Percentile: 2

  • North Dakota
    35/ Andrew Filer // Flickr

    North Dakota

    - City with the most debt: Dickinson
    --- Household credit card debt: $10,991
    --- Household credit card paydown: $422
    --- Percentile: 38
    - City with the least debt: Mandan
    --- Household credit card debt: $9,228
    --- Household credit card paydown: $354
    --- Percentile: 12

  • Ohio
    36/ OHIO fan // Wikimedia Commons

    Ohio

    - City with the most debt: Athens
    --- Household credit card debt: $17,753
    --- Household credit card paydown: $682
    --- Percentile: 95
    - City with the least debt: Greenville
    --- Household credit card debt: $6,664
    --- Household credit card paydown: $256
    --- Percentile: 1

  • Oklahoma
    37/ Brad Holt // Flickr

    Oklahoma

    - City with the most debt: Edmond
    --- Household credit card debt: $15,604
    --- Household credit card paydown: $599
    --- Percentile: 87
    - City with the least debt: Shawnee
    --- Household credit card debt: $10,193
    --- Household credit card paydown: $391
    --- Percentile: 26

  • Oregon
    38/ publichall // Wikimedia Commons

    Oregon

    - City with the most debt: West Linn
    --- Household credit card debt: $15,867
    --- Household credit card paydown: $609
    --- Percentile: 89
    - City with the least debt: Roseburg
    --- Household credit card debt: $8,629
    --- Household credit card paydown: $331
    --- Percentile: 6

  • Pennsylvania
    39/ David Wilson // Flickr

    Pennsylvania

    - City with the most debt: Collegeville
    --- Household credit card debt: $24,680
    --- Household credit card paydown: $948
    --- Percentile: 99
    - City with the least debt: Johnstown
    --- Household credit card debt: $7,587
    --- Household credit card paydown: $291
    --- Percentile: 1

  • Rhode Island
    40/ Daniel Case // Wikimedia Commons

    Rhode Island

    - City with the most debt: Newport
    --- Household credit card debt: $13,744
    --- Household credit card paydown: $528
    --- Percentile: 75
    - City with the least debt: Woonsocket
    --- Household credit card debt: $8,686
    --- Household credit card paydown: $334
    --- Percentile: 6

  • South Carolina
    41/ Kmf164 // Wikimedia Commons

    South Carolina

    - City with the most debt: Mount Pleasant
    --- Household credit card debt: $15,338
    --- Household credit card paydown: $589
    --- Percentile: 86
    - City with the least debt: Darlington
    --- Household credit card debt: $5,304
    --- Household credit card paydown: $204
    --- Percentile: 1

  • South Dakota
    42/ AlexiusHoratius // Wikimedia Commons

    South Dakota

    - City with the most debt: Sioux Falls
    --- Household credit card debt: $10,384
    --- Household credit card paydown: $399
    --- Percentile: 29
    - City with the least debt: Watertown
    --- Household credit card debt: $8,887
    --- Household credit card paydown: $341
    --- Percentile: 8

  • Tennessee
    43/ Brian Stansberry // Wikimedia Commons

    Tennessee

    - City with the most debt: Brentwood
    --- Household credit card debt: $19,046
    --- Household credit card paydown: $731
    --- Percentile: 97
    - City with the least debt: Tullahoma
    --- Household credit card debt: $7,508
    --- Household credit card paydown: $288
    --- Percentile: 1

  • Texas
    44/ Nicolas Henderson // Flickr

    Texas

    - City with the most debt: Southlake
    --- Household credit card debt: $24,906
    --- Household credit card paydown: $956
    --- Percentile: 99
    - City with the least debt: Port Arthur
    --- Household credit card debt: $7,401
    --- Household credit card paydown: $284
    --- Percentile: 1

  • Utah
    45/ Brad.K // Flickr

    Utah

    - City with the most debt: Park City
    --- Household credit card debt: $19,414
    --- Household credit card paydown: $746
    --- Percentile: 98
    - City with the least debt: Midvale
    --- Household credit card debt: $8,762
    --- Household credit card paydown: $336
    --- Percentile: 7

  • Vermont
    46/ Pixabay

    Vermont

    - City with the most debt: Burlington
    --- Household credit card debt: $10,480
    --- Household credit card paydown: $402
    --- Percentile: 30
    - City with the least debt: Rutland
    --- Household credit card debt: $9,840
    --- Household credit card paydown: $378
    --- Percentile: 20

  • Virginia
    47/ Art Anderson // Wikimedia Commons

    Virginia

    - City with the most debt: McLean
    --- Household credit card debt: $21,756
    --- Household credit card paydown: $835
    --- Percentile: 99
    - City with the least debt: Hopewell
    --- Household credit card debt: $7,602
    --- Household credit card paydown: $292
    --- Percentile: 1

  • Washington
    48/ Joe Mabel // Wikimedia Commons

    Washington

    - City with the most debt: Monroe
    --- Household credit card debt: $17,605
    --- Household credit card paydown: $676
    --- Percentile: 95
    - City with the least debt: Sequim
    --- Household credit card debt: $8,295
    --- Household credit card paydown: $319
    --- Percentile: 4

  • West Virginia
    49/ Stryker33 // Wikimedia Commons

    West Virginia

    - City with the most debt: Morgantown
    --- Household credit card debt: $14,634
    --- Household credit card paydown: $562
    --- Percentile: 82
    - City with the least debt: Princeton
    --- Household credit card debt: $8,189
    --- Household credit card paydown: $314
    --- Percentile: 3

  • Wisconsin
    50/ Corey Coyle // Wikimedia Commons

    Wisconsin

    - City with the most debt: Mequon
    --- Household credit card debt: $15,999
    --- Household credit card paydown: $614
    --- Percentile: 89
    - City with the least debt: Wisconsin Rapids
    --- Household credit card debt: $7,191
    --- Household credit card paydown: $276
    --- Percentile: 1

  • Wyoming
    51/ Nyttend // Wikimedia Commons

    Wyoming

    - City with the most debt: Laramie
    --- Household credit card debt: $11,674
    --- Household credit card paydown: $448
    --- Percentile: 48
    - City with the least debt: Casper
    --- Household credit card debt: $10,235
    --- Household credit card paydown: $393
    --- Percentile: 26

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