10 cities with the highest credit scores

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Credit score rulers

Your credit score says a lot about you.

A high score means you probably pay your bills on time and you don’t max out your credit cards.

The average credit score of the people who live in a community also can say a lot, like whether jobs are plentiful or take-home pay is high.

It’s difficult to be precise about why some cities have better average credit scores than others, but “there are cultural issues, there are economic issues that tend to weigh in with scores,” says Rod Griffin, the director of public education for Experian.

The credit bureau recently calculated the average credit score for more than 200 metropolitan areas in the United States. The nationwide average VantageScore credit score is 673.

Here are the 10 cities with the highest credit scores.

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Madison, Wisconsin | Richard Cummins/Getty Images

Madison, Wisconsin

  • Average credit score: 702
  • Average debt: $35,815
  • Average credit card balance: $4,545
  • Credit utilization: 26 percent

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Fargo, North Dakota | Richard Cummins/robertharding/Getty Images

Fargo, North Dakota

  • Average credit score: 703
  • Average debt: $37,966
  • Average credit card balance: $4,661
  • Credit utilization: 25 percent
La Crosse, Wisconsin | Panoramic Images/Getty Images

La Crosse, Wisconsin

  • Average credit score: 703
  • Average debt: $32,895
  • Average credit card balance: $4,223
  • Credit utilization: 25 percent
Sioux Falls, South Dakota | Steven Frame/Shutterstock.com

Sioux Falls, South Dakota

  • Average credit score: 703
  • Average debt: $39,269
  • Average credit card balance: $4,661
  • Credit utilization: 25 percent
Duluth, Minnesota | Henryk Sadura/Shutterstock.com

Duluth, Minnesota

  • Average credit score: 703
  • Average debt: $34,782
  • Average credit card balance: $4,825
  • Credit utilization: 26 percent
Wausau, Wisconsin | Henryk Sadura/Shutterstock.com

Wausau, Wisconsin

  • Average credit score: 704
  • Average debt: $31,975
  • Average credit card balance: $4,144
  • Credit utilization: 25 percent
Green Bay, Wisconsin | James Brey/Shutterstock.com

Green Bay, Wisconsin

  • Average credit score: 704
  • Average debt: $33,034
  • Average credit card balance: $4,363
  • Credit utilization: 24 percent
Minneapolis, Minnesota | AMB-MD Photography/Shutterstock.com

Minneapolis

  • Average credit score: 707
  • Average debt: $37,699
  • Average credit card balance: $5,315
  • Credit utilization: 26 percent
Rochester, Minnesota | Images by Mazz/Shutterstock.com

Rochester, Minnesota

  • Average credit score: 708
  • Average debt: $35,973
  • Average credit card balance: $4,329
  • Credit utilization: 24 percent
Mankato, Minnesota | Images by Mazz/Shutterstock.com

Mankato, Minnesota

  • Average credit score: 708
  • Average debt: $32,536
  • Average credit card balance: $4,011
  • Credit utilization: 24 percent

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