With a good credit score being essential for getting approved for loans and lines of credit, as well as securing low interest rates and high credit limits, the personal-finance company WalletHub today released its report on the Cities with the Highest & Lowest Credit Scores in 2026.
WalletHub’s report aimed to find out where Americans demonstrate the most responsible behavior, and it ranked the cities using WalletHub’s proprietary data on residents’ credit scores.
| Cities With Highest Credit Scores | Cities With Lowest Credit Scores |
| 1. South Burlington, VT | T-173. Augusta, GA |
| T-2. Fremont, CA | T-173. Montgomery, AL |
| T-2. Scottsdale, AZ | T-173. Columbus, GA |
| 4. Port St. Lucie, FL | T-173. Newark, NJ |
| 5. San Francisco, CA | 177. San Bernardino, CA |
| 6. Seattle, WA | 178. Memphis, TN |
| 7. Huntington Beach, CA | 179. Fayetteville, NC |
| 8. Overland Park, KS | 180. Jackson, MS |
| 9. Santa Clarita, CA | 181. Shreveport, LA |
| 10. Boston, MA | 182. Detroit, MI |
For the full report and to see where your city ranks, please visit:
https://wallethub.com/edu/
Readers who are curious to know how they compare with the average person in their city can access their free credit score by joining the WalletHub community.
“Having a good or excellent credit score opens up so many doors for you. Not only does it help you get approved for future loans and lines of credit, but it also reduces your interest rate and increases the amount you’re able to borrow. A good credit score can even make you a stronger candidate for employment, help you with renting housing, and make you a more attractive dating partner.”
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“South Burlington, VT residents have the highest average credit score in the country, at 697. That puts them into the good credit range. Since South Burlington residents are financially responsible, it’s not surprising that they also have good incomes. The median income is over $77,000, ranking 19th highest out of the 182 cities in our study.”
- Chip Lupo, WalletHub Analyst
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