With Americans carrying about $18 trillion in total household debt, the personal finance website WalletHub has released its latest report on the Cities Where People Are the Most Delinquent on Debt. This report identifies the cities where residents face the highest risk of credit score damage and other financial consequences.
To determine the areas where people are struggling the most with debt payments, WalletHub analyzed proprietary user data from Q4 2024 across the 100 largest cities for which a complete data set was available. The ranking factors in both the percentage of individual tradelines that were delinquent and the share of residents’ total loan balances that were delinquent.
| Most Delinquent | Least Delinquent |
| 1. Laredo, TX | 91. Portland, OR |
| 2. San Bernardino, CA | 92. San Diego, CA |
| 3. Detroit, MI | 93. Madison, WI |
| 4. Newark, NJ | 94. Honolulu, HI |
| 5. Philadelphia, PA | 95. Boise, ID |
| 6. Baltimore, MD | 96. Fremont, CA |
| 7. Stockton, CA | 97. Boston, MA |
| 8. Baton Rouge, LA | 98. San Francisco, CA |
| 9. Bakersfield, CA | 99. Seattle, WA |
| 10. El Paso, TX | 100. Scottsdale, AZ |
