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Average Credit Card Debt by State 2026 (All 50 States Ranked)

Credit card debt in every state ranked from highest to lowest. Average balances, delinquency rates, and debt-to-income ratios.

Average Credit Card Balance by State

RankStateAvg BalanceDelinquency Rate
1Alaska$8,4504.2%
2Connecticut$7,9803.1%
3New Jersey$7,8503.3%
4Virginia$7,7202.9%
5Maryland$7,6803.0%
6Colorado$7,5402.8%
7California$7,4803.5%
8New York$7,3503.4%
9Washington$7,2802.7%
10Hawaii$7,1903.8%
---National Average$6,5013.1%
41Arkansas$5,1204.5%
42West Virginia$5,0504.8%
43Kentucky$4,9804.3%
44Mississippi$4,8505.2%
45Maine$4,7903.0%
46Vermont$4,6802.5%
47New Mexico$4,6204.6%
48Iowa$4,5502.8%
49Wisconsin$4,4802.6%
50North Dakota$4,3202.4%

Credit Card Debt by Generation

GenerationAvg BalanceAvg CardsTrend
Gen Z (18-27)$3,1202 cardsRising fast
Millennials (28-43)$6,5203.5 cardsHighest growth rate
Gen X (44-59)$8,7404 cardsHighest total debt
Baby Boomers (60-78)$6,1303.5 cardsDeclining
Silent (79+)$3,8202.5 cardsLow utilization

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Frequently Asked Questions

What is the average credit card debt in America?

The average American cardholder has $6,501 in credit card debt in 2026. Gen X carries the most at $8,740, while Gen Z averages $3,120.

Which state has the most credit card debt?

Alaska has the highest average credit card debt at $8,450 per cardholder. Connecticut ($7,980) and New Jersey ($7,850) follow.

Which state has the least credit card debt?

North Dakota has the lowest average at $4,320, followed by Wisconsin ($4,480) and Iowa ($4,550).

Data & Research

State RankingsSalary DataFinancial by AgeMortgage DataInsurance DataCredit Card DataTax Brackets 2026Minimum Wage

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