With research showing that last year the average credit score didn’t go up for the second time in over a decade, the personal-finance website WalletHub analyzed the median credit scores of residents in 182 cities and today released its report on the Cities with the Highest & Lowest Credit Scores in 2025, as well as expert commentary.
| Cities With Highest Credit Scores |
Cities With Lowest Credit Scores |
| 1. South Burlington, VT |
T-172. Augusta, GA |
| 2. Fremont, CA |
T-172. Shreveport, LA |
| 3. Scottsdale, AZ |
T-172. Newport News, VA |
| 4. San Francisco, CA |
T-172. Montgomery, AL |
| 5. Huntington Beach, CA |
T-176. Columbus, GA |
| 6. Seattle, WA |
T-176. Jackson, MS |
| 7. Overland Park, KS |
178. Birmingham, AL |
| 8. Boston, MA |
179. San Bernardino, CA |
| T-9. Santa Clarita, CA |
180. Newark, NJ |
| T-9. Port St. Lucie, FL |
181. Memphis, TN |
| 11. Honolulu, HI |
182. Detroit, MI |
READ FULL ARTICLE HERE
