With Americans owing around $17.5 trillion in total household debt, the personal-finance website WalletHub today released its new report on the Cities Where People Are the Most Delinquent on Debt to show where people are at the biggest risk of credit score damage and other negative consequences.
To highlight the places where people are having the biggest issues paying their bills, WalletHub analyzed proprietary user data from Q4 2023 for the 100 largest cities for which we could obtain a complete data set. In our ranking, we considered both the percentage of individual tradelines that were delinquent and the percentages of residents’ total loan balances that were delinquent.
| Most Delinquent | Least Delinquent |
| 1. Laredo, TX | 91. Portland, OR |
| 2. Detroit, MI | 92. Madison, WI |
| 3. San Bernardino, CA | 93. San Diego, CA |
| 4. Newark, NJ | 94. Boise, ID |
| 5. Winston-Salem, NC | 95. Boston, MA |
| 6. Philadelphia, PA | 96. Honolulu, HI |
| 7. Baton Rouge, LA | 97. San Francisco, CA |
| 8. Bakersfield, CA | 98. Scottsdale, AZ |
| 9. Greensboro, NC | 99. Fremont, CA |
| 10. Stockton, CA | 100. Seattle, WA |
