Top Credit Scores in New York City by Neighborhood

Metropolitan New York vs. New York City

Greater New York City has an average FICO^® Score of 720, which is slightly higher than the national average FICO^® Score of 713. But within the city limits, the average FICO^® Score is 709, slightly lower than the U.S. average.

Greater NYC includes not only the five boroughs, but nearby counties in New York state, Connecticut, New Jersey and even a piece of Eastern Pennsylvania. This combined statistical area of more than 22 million people, as defined by the U.S. Census Bureau, is easily the largest metro in the U.S.

To the 5 Boroughs

Drilling down a level, New York City is a collection of five very distinct boroughs, each with populations that would rival if not exceed populations of most cities in the U.S. Within them, average FICO^® Scores vary greatly: The average FICO^® Score in Manhattan is 729, versus 666 in the Bronx.

New York City FICO^® Scores by Borough

Going a step further illustrates how unique New Yorkers are compared to other U.S. consumers. Fewer New Yorkers drive or own cars versus the rest of the nation, for example, and most New Yorkers are renters. So there are fewer mortgages and auto loans reported to credit bureaus versus other U.S. cities. Nonetheless, there are neighborhoods with higher rates of home and car ownership, which presents as higher monthly payments for these neighborhoods.

Percent of New York City Consumers With Credit Cards, Auto Loans, Mortgages, 2026

The average monthly debt payment consumers make in each neighborhood also adds context to FICO^® Score averages. Average monthly payments, as reported to Experian by creditors, include payments on installment loans like mortgages and auto loans, as well as revolving credit such as credit cards.

In the U.S., the average monthly payment is $1,257 a month. Monthly payments are lower in NYC, however, with residents owing $966 in monthly payments to creditors each month as of June 2026. (As an aside, monthly payments in the New York City metro area average $1,288, which nearly matches the U.S. average).

Source: Experian data as of June 2026

Average FICO^® Score in the Bronx Is 666

The Bronx (the "the" is not optional, according to most locals) has the lowest average FICO^® Score among the five boroughs of New York City, at 666 as of June 2026. By ZIP code, Riverdale has the highest average FICO^® Score, at 740. The lowest average score was in the West Farms area of the Bronx, with an average FICO^® Score of 644.

Source: Experian data as of June 2026

Average FICO^® Score in Brooklyn Is 708

Brooklyn—Kings County, podcast incubator and the birthplace of the Dodgers—is also New York City's most populous borough. The borough's average FICO^® Score of 708 is somewhat lower than the national average of 713. Average FICO^® Scores by neighborhood range from 758 in the leafy brownstone neighborhood of Park Slope (ZIP code 11215) to 640 in central Brooklyn's Brownsville neighborhood.

Source: Experian data as of June 2026

Average FICO^® Score in Manhattan Is 729

The borough most outsiders think of when they imagine the Big Apple, Manhattan has an average FICO^® Score of 729—the highest average among the five boroughs. The Upper East Side, ZIP code 10021, has the highest average FICO^® Score of 764 as of June 2026, making it the ZIP code with the highest average score of all the five boroughs in 2026.

The Manhattan ZIP with the lowest average FICO^® Score is only a couple miles north in Harlem, across the river from Yankee Stadium. There, the average FICO^® Score is 655.

Source: Experian data as of June 2026

Average FICO^® Score in Queens Is 714

The city's most sprawling borough, with what some believe has the best food (and baffling street-naming conventions), Queens has an average FICO^® Score slightly higher than the U.S. average, at 714. Average Queens FICO^® Scores by ZIP code range from a high of 762 in Little Neck to a low of 638 in part of Jamaica—a sprawling neighborhood with several ZIP codes.

Source: Experian data as of June 2026

Average FICO^® Score in Staten Island Is 725

The sometimes forgotten, least populous borough—accessible by ferry, and definitely not part of New Jersey—has an average FICO^® Score of 725 as of June 2026, the second highest among the boroughs.

However, Staten Island has more single family homes than the rest of New York, which could help explain its elevated average FICO^® Score: Data shows homeowners typically have better credit scores than non-homeowners.

By ZIP code, average FICO^® Scores range from 742 in Annadale on the southern tip of the island to 680 in the 10303 ZIP code, north of the Goethals Bridge.

Source: Experian data as of June 2026

Manhattan Dominates the List of Top Scores Citywide

Among all the neighborhoods in New York City, most of the highest scores are concentrated in Manhattan. Brooklyn and Queens are also present in this list, with three neighborhoods between them. We include the top 11 here, as there were several ZIP codes that tied with an average FICO^® Score of 758.

Source: Experian data as of June 2026

Manhattan and, in particular, the Upper East Side dominate the list. Does that make it the best? It depends who you ask. But by any measure, Manhattan is one of the wealthiest neighborhoods in the world and home to many residents with very good and exceptional credit scores.

Neighborhoods With More Homeowners Typically Have Higher Credit Scores

Underneath the 709 FICO^® Score exterior of New York City as a whole, there's a predictably wide range of FICO^® Scores within its boroughs and neighborhoods. But the disparity doesn't end at the borough level, or even neighborhoods.

Within a single apartment building in Manhattan or Brooklyn, or elsewhere across New York City, are residents with FICO^® Scores across the spectrum. And if, like many New Yorkers, they rent their apartment, they're likely keenly aware of how important healthy credit reports and good credit scores are toward finding somewhere (new) to live.