Map Shows US Cities With the Highest–and Lowest Credit Card Debt
Summary
U.S. household debt reached a record $18.8 trillion in early 2026, mainly from auto loans and mortgages. Credit card debt stands at $1.35 trillion, with some cities having much higher or lower amounts per household.Key Facts
- Total U.S. household debt hit $18.8 trillion in the first quarter of 2026.
- Credit card debt totaled $1.35 trillion at the end of Q1 2026, about $11,000 per household.
- Credit card debt is $212 billion below the inflation-adjusted record from 2008.
- The credit card delinquency rate (90+ days late) rose to 13.1% in early 2026, the highest in 15 years.
- Santa Clarita, California, has the highest average credit card debt per household at $23,714.
- Many high-debt cities, like Santa Clarita and Chula Vista, have high incomes and low delinquency, suggesting they can afford their debt.
- Lewiston, Maine, has the lowest average credit card debt at $9,185 per household.
- Midwestern cities generally have lower credit card debt, corresponding with lower incomes.
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