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U.S. Cities With the Most Credit Card Debt

Credit card debt in the U.S. has been on a steady climb since 2015, reaching $830 billion in the second quarter (Q2) of 2019, according to Experian. That is eight straight years the overall balance has increased in Q2, going back to 2012. Americans' credit card balances have been increasing, too, during that same time to an average of $6,194, a 15% increase since 2012.

Top Cities With the Most Credit Card Debt

With 61% of Americans carrying a credit card, growing debt is something that affects most of the country. To see how U.S. consumers are carrying their debt, we took a look at the cities with the highest average credit card balance in each state based on Experian Q2 2019 data. Paradise Valley, Arizona, had the highest average credit balance of $15,221, while Colchester, Vermont, had the lowest average credit balance of $5,678.

Cities With the Highest Average Credit Card Debt in Each State
RankCityAverage Balance
1Paradise Valley, AZ$15,221
2Pacific Palisades, CA$15,175
3Palm Beach, FL$14,947
4Winnetka, IL$14,917
5New Canaan, CT$14,362
6Chappaqua, NY$12,929
7Prosper, TX$12,446
8Short Hills, NJ$12,188
9Great Falls, VA$11,996
10Weston, MA$11,756
11Accokeek, MD$11,547
12Aspen, CO$11,094
13Mountain Brook, AL$11,084
14Birmingham, MI$10,787
15Bryn Mawr, PA$10,374
16Park City, UT$10,261
17Wayzata, MN$10,190
18Leawood, KS$9,878
19Wildwood, MO$9,658
20Ketchikan, AK$9,459
21Prospect, KY$9,361
22Incline Village, NV$9,296
23Waxhaw, NC$9,265
24Brentwood, TN$9,239
25Barrington, RI$9,178
26Midland, GA$9,170
27Snoqualmie, WA$9,079
28Blythewood, SC$8,904
29Windham, NH$8,884
30New Albany, OH$8,792
31Madisonville, LA$8,612
32Jackson, WY$8,578
33Falmouth, ME$8,328
34Bennington, NE$8,244
35Lake Oswego, OR$8,190
36Carmel, IN$8,188
37Kapolei, HI$8,123
38Middletown, DE$8,076
39Edmond, OK$7,847
40Charles Town, WV$7,775
41Eagle, ID$7,644
42Madison, MS$7,477
43Mequon, WI$7,345
44Maumelle, AR$7,326
45Waukee, IA$7,235
47Rio Rancho, NM$6,927
48Box Elder, SD$6,851
49Whitefish, MT$6,772
50Mandan, ND$5,722
51Colchester, VT$5,678

Source: Experian Q2 2019 data


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Methodology: The analysis results provided are based on an Experian-created statistically relevant aggregate sampling of our consumer credit database that may include use of the FICO® Score 8 version. Different sampling parameters may generate different findings compared with other similar analysis. Analyzed credit data did not contain personal identification information. Metro areas group counties and cities into specific geographic areas for population censuses and compilations of related statistical data.

FICO® is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.

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