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Top 10 U.S. Cities Leading in Excellent Credit Scores and Financial Health

June. 16,2025

Discover the top 10 U.S. cities with the best credit scores, reflecting responsible debt management and financial stability. Learn what makes these cities stand out, from low credit utilization to high household discipline, and get tips on improving your own credit health based on these best practices.

Top 10 U.S. Cities Leading in Excellent Credit Scores and Financial Health

Top 10 U.S. Cities Leading in Excellent Credit Scores and Financial Health

In today's economy, maintaining a robust credit profile is essential for individuals and households across the United States. The credit score of a city—though an aggregate measure—offers valuable insights into the financial behavior and stability of its residents. Cities with high average credit scores reflect strong financial discipline, responsible borrowing habits, and economic stability, which can have positive broader implications for local economies and real estate markets. This comprehensive analysis explores the cities in the U.S. that boast the highest credit scores, revealing the key factors behind their financial health, from household debt management to cultural attitudes toward credit use.

While the complexity of credit scoring makes it challenging to pinpoint exact reasons for high or low credit ratings, several common themes emerge—such as low credit utilization, low levels of debt, timely repayments, and economic resilience. This article delves into the top-performing cities where residents tend to maintain stellar credit scores, highlighting their average statistics, financial habits, and what makes them stand out in terms of fiscal responsibility.

Credit scores above 700 are generally considered excellent and are indicative of sound credit management among residents. The following cities have demonstrated consistently high creditworthiness, with residents managing their debts efficiently and demonstrating responsible borrowing behavior.

Madison, Wisconsin

Madison has earned its place at the top of this list with an impressive average credit score of 702. The city’s residents demonstrate disciplined financial habits, maintaining an average total debt of approximately $35,815. Their credit card balances are well-managed, with an average of $4,545, reflecting responsible credit utilization at about 26%. Such habits not only boost the overall credit health of individuals but also foster a stable financial environment within the city.

Fargo, North Dakota

Fargo residents showcase financial stability with an average credit score of 703. The city’s total debt averages around $37,966, and the average credit card debt is about $4,661. The credit utilization rate remains low at 25%, highlighting prudent debt management and timely payment routines among its residents. Fargo’s economic stability and community financial habits contribute significantly to its residents’ high credit scores.

La Crosse, Wisconsin

In La Crosse, the average credit score stands at 703, with total debts averaging $32,895. The city’s inhabitants maintain commendable credit card balances averaging $4,223, with utilization rates maintained at 25%. These figures point to consistent financial discipline and effective debt management, which are crucial for sustaining excellent credit standings.

Sioux Falls, South Dakota

Residents of Sioux Falls enjoy an average credit score of 703, with total debts about $39,269. Their credit card balances average $4,661 and credit utilization stays at 25%. Such metrics reflect the city's strong financial health, supported by a community culture of responsible borrowing and repayment practices.

Duluth, Minnesota

The average credit score in Duluth is 703, with debt levels around $34,782. The city's residents keep their credit card balances at an average of $4,825, with a utilization rate of 26%. This stable financial behavior demonstrates balanced credit use, avoiding excessive debt while maintaining good credit standing.

Wausau, Wisconsin

Wausau’s residents boast an average credit score of 704, with total debt averaging $31,975. They maintain credit card balances at approximately $4,144, with a usage rate of 25%. The city exemplifies disciplined financial management and community-wide commitment to maintaining high credit scores.


Additional Noteworthy Cities:

Green Bay, Wisconsin: With an average credit score of 704, residents have total debts around $33,034, credit card balances of $4,363, and a utilization rate of 24%, reflecting solid credit management.

Minneapolis, Minnesota: The average credit score reaches 707. Residents’ debts are approximately $37,699, with an average credit card balance of $5,315 and a utilization rate of 26%, indicating highly responsible credit use.

Rochester, Minnesota: Boasting a credit score of 708, residents have an average debt of $35,973, credit card balances averaging $4,329, and a utilization rate of 24%, signifying excellent credit management habits.

Mankato, Minnesota: With a credit score of 708, the city’s residents keep their debts around $32,536, credit card balances at $4,011, and maintain a utilization rate of 24%, exemplifying disciplined financial behavior.

Staying informed about financial best practices can significantly impact your personal credit health. Follow us on social media platforms like Facebook and Twitter for expert tips on credit management, debt reduction strategies, and investment advice to help improve or maintain your credit score. Cities with strong financial habits can serve as inspiring benchmarks for responsible borrowing and prudent debt management, leading to long-term financial stability for individuals and communities alike.