With research showing that last year the average credit score didn’t go up for the first time in over a decade, the personal-finance website WalletHub analyzed the median credit scores of residents in 2,568 cities and today released its report on 2023’s Cities with the Highest & Lowest Credit Scores, as well as expert commentary.
| Cities in the Top Percentile (Credit Score) | Cities in the Bottom Percentile (Credit Score) |
| New Brunswick, NJ (816) | Inkster, MI (598) |
| The Villages, FL (806) | West Memphis, AR (597) |
| De Pere, WI (798) | North Port, FL (595) |
| Sun City West, AZ (795) | Harvey, IL (595) |
| Saratoga, CA (787) | Camden, NJ (593) |
| Estero, FL (786) | Las Vegas, NV (590) |
| Green Valley, AZ (786) | Chester, PA (585) |
| Los Altos, CA (785) | East St. Louis, IL (574) |
| Mequon, WI (785) | San Diego, CA (568) |
| Pittsford, NY (785) | Beavercreek, OH (552) |
| Monument, CO (784) | McKeesport, PA (552) |
| Needham, MA (783) | Bay Shore, NY (548) |
| Laguna Woods, CA (783) | La Crosse, WI (538) |
| Leawood, KS (781) | Fort Smith, AR (536) |
| Bainbridge Island, WA (781) | New Orleans, LA (535) |
| Chesterfield, MO (781) | Fort Worth, TX (524) |
| Muskego, WI (781) | McKees Rocks, PA (524) |
| Oro Valley, AZ (781) | Sugar Land, TX (511) |
| Lexington, MA (780) | West Jordan, UT (492) |
| San Carlos, CA (779) | South Bend, IN (448) |
