Americans in 100 Largest Metros Carry Median of $24,668 in Non-Mortgage Debt — Here’s a Breakdown by Generation
Credit cards and loans can be key financial tools when utilized wisely, but debt can pile up. And depending on your age and where you live, how you approach these kinds of debts differs.
Researchers analyzed over 428,000 anonymized credit reports from LendingTree users in the 100 largest U.S. metros to show how consumers carry non-mortgage debt across generations and where they have the highest balances. Here’s what we found.
Key findings
- Across the four generations analyzed, the median non-mortgage debt in the 100 largest metros is $24,668. Gen Xers in these metros have a median debt of $33,859 — the highest by generation and twice as high as that among Gen Zers ($16,562).
- McAllen, Texas, Gen Zers, Gen Xers and baby boomers have the highest median non-mortgage debt. Across all demographics in the 100 largest metros, Gen Xers in McAllen have the highest non-mortgage debt, with a median balance of $46,166. Another Texas metro — El Paso — has the highest median debt among millennials, at $42,982.
- Credit card debt is widespread across all generations. The median percentage of those with credit card debt in the 100 largest metros ranges from 80.8% of Gen Zers to 93.1% of baby boomers. Gen Xers in Bridgeport, Conn., hold the most credit card debt, at a median of $8,669. Notably, the five metros where Gen Zers are most likely to have credit card debt are in California, led by Oxnard at 90.6%.
- 61.2% of Gen Xers in the 100 largest metros have auto loan debt. These Gen Xers have a median balance of $23,260. Millennials follow closely behind, with 59.8% having auto debt at a median balance of $20,826. Consumers in McAllen have the highest auto debt across all generations.
- Millennials are most likely to have student debt, but Gen Xers have the highest balance. Specifically, 38.4% of millennials have student debt, with a median balance of $24,112. In comparison, 25.4% of Gen Xers owe a median balance of $31,066 in student debt.
- Baby boomers have the highest personal loan balances, at a median of $5,363. However, they also have the lowest percentage of personal loans, at 11.1%. Gen Zers have the highest rate of consumers with personal loans, at a median of 17.5%.
Median non-mortgage debt is $24,668 — here’s a generational breakdown
In the largest 100 metros, the median non-mortgage debt across the four generations analyzed is $24,668. (Note: Our median balance data for non-mortgage debt overall includes users without debt.) Breaking it down further, Gen Xers have the highest median debt at $33,859. That’s followed by:
- Millennials ($30,558)
- Baby boomers ($18,779)
- Gen Zers ($16,562)
As for the median percentage of people with non-mortgage debt, millennials and Gen Xers have the largest share across the 100 largest U.S. metros (98.7%). Meanwhile, Gen Zers (97.1%) have the smallest share.
Gen Xers have the highest median credit card, auto loan and student loan balances, while baby boomers have the highest median personal loan balances. (More on that breakdown below.)
How Gen Z debt breaks down
Gen Zers in McAllen, Texas, have the highest median non-mortgage debt. Here, the youngest adult generation owes a median of $27,781.
Across the 100 largest metros, Gen Zers owe $16,562 — the lowest among those analyzed. With 97.1% of Gen Zers owing non-mortgage debt, they’re also the least likely group to have it.
Breaking it down by debt type, 80.8% of Gen Zers in the largest 100 metros owe credit card debt — the lowest by generation. Two of the five metros where Gen Zers are most likely to have credit card debt are in California, led by Oxnard at 90.6%. (Note: Unlike our overall look at non-mortgage debt, our by-type median balance data excludes users without that debt.)
While the median credit card balance for Gen Zers in Oxnard is $3,619, the median across the 100 largest metros is $2,076.
Where Gen Zers have the highest median credit card debt
| Metro | Median balance | % with debt |
|---|---|---|
| Oxnard, CA | $3,619 | 90.6% |
| Bridgeport, CT | $3,234 | 88.8% |
| Cape Coral, FL | $3,046 | 86.0% |
| El Paso, TX | $2,935 | 83.7% |
| Los Angeles, CA | $2,903 | 88.5% |
| 100-metro median | $2,076 | 80.8% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
McAllen ranks first for auto loan debt, with Gen Zers here owing a median balance of $29,421. That compares with $17,402 across the 100 largest metros. Just under half (47.5%) of Gen Zers have auto loan debt.
Where Gen Zers have the highest median auto loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| McAllen, TX | $29,421 | 59.2% |
| Memphis, TN | $22,060 | 43.9% |
| Scranton, PA | $21,132 | 35.5% |
| San Jose, CA | $21,127 | 47.1% |
| Oxnard, CA | $21,028 | 42.4% |
| 100-metro median | $17,402 | 47.5% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
As far as student loan debt goes, Gen Zers are significantly less likely to owe this type of debt than those already analyzed, at just 37.2%. Their median balance is $12,172, a figure that rises to $20,986 in Boston.
Where Gen Zers have the highest median student loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| Boston, MA | $20,986 | 47.7% |
| New Haven, CT | $20,173 | 56.0% |
| Bridgeport, CT | $19,250 | 43.1% |
| Hartford, CT | $18,481 | 40.9% |
| Scranton, PA | $18,172 | 36.6% |
| 100-metro median | $12,172 | 37.2% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Meanwhile, 17.5% of Gen Zers owe personal loan debt — the highest by generation. Across the 100 largest metros, Gen Zers owe $1,743 in personal loan debt — the lowest by generation. In Springfield, Mass., that figure is $6,765.
Where Gen Zers have the highest median personal loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| Springfield, MA | $6,765 | 12.9% |
| Allentown, PA | $5,201 | 12.2% |
| Bridgeport, CT | $5,140 | 13.1% |
| Honolulu, HI | $4,445 | 22.2% |
| Harrisburg, PA | $3,645 | 17.7% |
| 100-metro median | $1,743 | 17.5% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
How millennial debt breaks down
Millennials with non-mortgage debt owe the most in El Paso, Texas, at a median of $42,982. This is the only generation analyzed where non-mortgage debt isn’t highest in McAllen. Across the 100 largest metros, millennials owe a median of $30,558.
Moving to credit card debt, millennials owe a median of $4,372. In Bridgeport, Conn., where median credit card debt is highest, they owe $6,250.
Where millennials have the highest median credit card debt
| Metro | Median balance | % with debt |
|---|---|---|
| Bridgeport, CT | $6,250 | 92.8% |
| Poughkeepsie, NY | $6,032 | 90.6% |
| Miami, FL | $5,712 | 91.5% |
| New York, NY | $5,687 | 91.9% |
| Worcester, MA | $5,592 | 91.5% |
| 100-metro median | $4,372 | 88.5% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Millennials have the second-highest auto loan debt across generations, with 59.8% owing a median balance of $20,826. Those in McAllen owe the most across all millennials, with a median auto loan balance of $30,700.
Where millennials have the highest median auto loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| McAllen, TX | $30,700 | 68.2% |
| San Antonio, TX | $25,934 | 63.9% |
| Houston, TX | $24,982 | 60.6% |
| El Paso, TX | $24,947 | 66.6% |
| Fresno, CA | $24,821 | 54.5% |
| 100-metro median | $20,826 | 59.8% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Although millennials don’t have the highest student loan balance by generation, they’re most likely to have this type of debt. While a whopping 38.4% of millennials have student debt, their median balance is $24,112 (behind Gen Xers and baby boomers). In Washington, D.C., where that figure is highest, millennials owe a median of $31,895.
Where millennials have the highest median student loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| Washington, DC | $31,895 | 38.0% |
| Durham, NC | $30,606 | 39.1% |
| Raleigh, NC | $30,119 | 40.9% |
| Atlanta, GA | $29,724 | 42.2% |
| Columbia, SC | $29,353 | 47.4% |
| 100-metro median | $24,112 | 38.4% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Meanwhile, millennials are the second most likely to have personal loans at 16.8%, with a median balance of $2,921. Millennials owe the highest personal loan balances in Springfield, Mass., at a median of $5,939.
Where millennials have the highest median personal loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| Springfield, MA | $5,939 | 10.6% |
| Des Moines, IA | $5,643 | 15.9% |
| Bridgeport, CT | $5,571 | 14.5% |
| Omaha, NE | $5,245 | 16.5% |
| Honolulu, HI | $5,002 | 13.4% |
| 100-metro median | $2,921 | 16.8% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
How Gen X debt breaks down
Across all generations in the 100 largest metros, Gen Xers in McAllen have the highest non-mortgage debt at a median balance of $46,166. Notably, four of the five metros where Gen Xers owe the most are in Texas. Across the 100 metros, Gen Xers owe a median of $33,859.
Gen Xers hold the highest median credit card debt, with those in Bridgeport, Conn., owing a median of $8,669. Across Gen Xers in the largest 100 metros, that figure is $6,255 — the highest across all generations.
Where Gen Xers have the highest median credit card debt
| Metro | Median balance | % with debt |
|---|---|---|
| Bridgeport, CT | $8,669 | 96.2% |
| New York, NY | $7,922 | 95.1% |
| Miami, FL | $7,797 | 95.4% |
| Lakeland, FL | $7,777 | 92.6% |
| Cape Coral, FL | $7,714 | 95.8% |
| 100-metro median | $6,255 | 92.5% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Meanwhile, Gen Xers have a higher share of those owing auto loan debt than any other generation, at 61.2%. They owe a median of $23,260 — also the highest by generation.
Gen Xers in McAllen owe the most toward auto loans, with a median balance of $29,862.
Where Gen Xers have the highest median auto loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| McAllen, TX | $29,862 | 70.5% |
| El Paso, TX | $29,355 | 63.5% |
| Lakeland, FL | $29,025 | 66.1% |
| San Antonio, TX | $28,350 | 67.2% |
| Ogden, UT | $28,067 | 65.5% |
| 100-metro median | $23,260 | 61.2% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
While just 25.4% of Gen Xers owe student loans, their median balance is $31,066 — the highest by generation. That rises to $53,036 in Jackson, Miss.
Where Gen Xers have the highest median student loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| Jackson, MS | $53,036 | 32.4% |
| Oxnard, CA | $43,327 | 16.6% |
| Atlanta, GA | $42,653 | 29.4% |
| Durham, NC | $42,512 | 27.7% |
| Richmond, VA | $41,772 | 29.6% |
| 100-metro median | $31,066 | 25.4% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Moving to personal loan debt, 14.5% of Gen Xers have a balance, owing a median of $5,063. While Gen Xers have the second-lowest share of consumers owing personal loans, their median balance is also the second-highest.
Where Gen Xers have the highest median personal loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| Fresno, CA | $9,160 | 11.6% |
| San Jose, CA | $8,961 | 10.7% |
| Scranton, PA | $8,288 | 14.4% |
| San Diego, CA | $7,959 | 12.7% |
| Honolulu, HI | $7,663 | 15.4% |
| 100-metro median | $5,063 | 14.5% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
How baby boomer debt breaks down
McAllen baby boomers have the highest median non-mortgage debt, owing $33,020. Overall, 97.7% of baby boomers in the largest 100 metros owe a balance of $18,779.
Baby boomers are the most likely to carry credit card debt, with 93.1% having a balance. They owe a median of $4,862 — a figure that rises to $6,292 in Dallas.
Where baby boomers have the highest median credit card debt
| Metro | Median balance | % with debt |
|---|---|---|
| Dallas, TX | $6,292 | 92.9% |
| Fresno, CA | $6,215 | 90.1% |
| Austin, TX | $6,202 | 94.9% |
| Bridgeport, CT | $6,071 | 97.2% |
| Miami, FL | $6,012 | 95.2% |
| 100-metro median | $4,862 | 93.1% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Like all other generations analyzed, baby boomers in McAllen have the highest auto debt, owing a median of $27,973. Across the largest 100 metros, that figure is $19,526. Just 47.7% of baby boomers owe on auto loans — the second-lowest by generation.
Where baby boomers have the highest median auto loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| McAllen, TX | $27,973 | 62.2% |
| Salt Lake City, UT | $25,400 | 46.4% |
| Little Rock, AR | $25,204 | 54.5% |
| El Paso, TX | $24,008 | 50.5% |
| San Antonio, TX | $23,941 | 53.9% |
| 100-metro median | $19,526 | 47.7% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Turning to student loan debt, 11.2% of baby boomers in the largest 100 metros owe $25,763. While they’re the least likely generation to owe this type of debt, their median balance is second-highest. Baby boomers in Stockton, Calif., owe the most, with a median student loan balance of $49,780.
Where baby boomers have the highest median student loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| Stockton, CA | $49,780 | 8.7% |
| Charleston, SC | $47,753 | 12.9% |
| Albuquerque, NM | $41,155 | 10.0% |
| Boise, ID | $40,670 | 8.3% |
| Salt Lake City, UT | $40,556 | 5.0% |
| 100-metro median | $25,763 | 11.2% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Baby boomers have the highest personal loan balances, owing a median of $5,363. That’s despite having the lowest percentage of personal loans, at 11.1%. In Honolulu, baby boomers owe a staggering $12,676 in personal loan debt — making it the only metro with a five-figure median personal loan debt balance.
Where baby boomers have the highest median personal loan debt
| Metro | Median balance | % with debt |
|---|---|---|
| Honolulu, HI | $12,676 | 9.3% |
| Colorado Springs, CO | $8,325 | 11.2% |
| Provo, UT | $8,250 | 8.8% |
| Stockton, CA | $8,033 | 11.6% |
| Des Moines, IA | $7,840 | 9.2% |
| 100-metro median | $5,363 | 11.1% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Full rankings
Where Gen Zers carry the most non-mortgage debt
| Rank | Metro | Median non-mortgage debt | % with non-mortgage debt | Median credit card debt | % with credit card debt | Median auto debt | % with auto debt | Median student loan debt | % with student loan debt | Median personal loan debt | % with personal loan debt |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | McAllen, TX | $27,781 | 97.7% | $2,873 | 82.1% | $29,421 | 59.2% | $9,731 | 36.2% | $1,256 | 29.8% |
| 2 | El Paso, TX | $22,476 | 99.2% | $2,935 | 83.7% | $20,294 | 60.3% | $10,307 | 32.6% | $1,660 | 27.6% |
| 3 | Cape Coral, FL | $21,208 | 97.1% | $3,046 | 86.0% | $20,681 | 58.1% | $12,825 | 32.0% | $1,924 | 18.6% |
| 4 | Harrisburg, PA | $21,178 | 96.8% | $1,187 | 83.9% | $16,119 | 54.8% | $17,777 | 41.9% | $3,645 | 17.7% |
| 5 | Syracuse, NY | $21,166 | 97.6% | $1,925 | 78.3% | $17,488 | 48.8% | $17,986 | 48.8% | $2,361 | 14.5% |
| 6 | Bridgeport, CT | $21,003 | 99.4% | $3,234 | 88.8% | $16,144 | 47.5% | $19,250 | 43.1% | $5,140 | 13.1% |
| 7 | Little Rock, AR | $20,747 | 96.7% | $1,417 | 72.9% | $17,968 | 59.5% | $16,154 | 45.0% | $958 | 14.5% |
| 8 | Pittsburgh, PA | $20,492 | 97.0% | $2,212 | 81.7% | $17,546 | 49.7% | $18,130 | 43.7% | $2,504 | 12.9% |
| 9 | Worcester, MA | $20,359 | 97.0% | $2,610 | 85.7% | $15,702 | 56.4% | $16,591 | 38.3% | $2,042 | 9.0% |
| 10 | New Orleans, LA | $20,129 | 98.3% | $1,850 | 75.1% | $18,494 | 44.6% | $14,009 | 58.6% | $1,541 | 20.0% |
| 11 | Charleston, SC | $20,080 | 96.2% | $2,617 | 73.1% | $17,240 | 47.5% | $13,825 | 47.9% | $1,400 | 20.6% |
| 12 | Albuquerque, NM | $19,967 | 97.3% | $1,881 | 81.4% | $17,454 | 64.1% | $8,765 | 30.9% | $1,137 | 25.9% |
| 13 | New Haven, CT | $19,652 | 99.4% | $2,660 | 88.1% | $16,387 | 47.8% | $20,173 | 56.0% | $3,200 | 11.9% |
| 14 | Austin, TX | $19,614 | 98.5% | $2,394 | 78.6% | $20,847 | 51.7% | $13,505 | 34.8% | $1,098 | 21.0% |
| 15 | San Antonio, TX | $19,490 | 97.7% | $2,316 | 78.5% | $19,185 | 53.9% | $12,183 | 38.5% | $1,098 | 22.3% |
| 16 | Boston, MA | $19,405 | 97.2% | $2,755 | 87.4% | $16,754 | 42.0% | $20,986 | 47.7% | $1,440 | 11.8% |
| 17 | Allentown, PA | $19,362 | 97.6% | $2,272 | 88.6% | $19,178 | 46.3% | $12,161 | 43.1% | $5,201 | 12.2% |
| 18 | Boise, ID | $19,302 | 96.3% | $1,545 | 85.6% | $17,686 | 60.6% | $9,586 | 28.1% | $1,152 | 21.3% |
| 19 | Colorado Springs, CO | $19,178 | 96.7% | $2,224 | 83.7% | $17,341 | 57.1% | $9,574 | 31.0% | $2,399 | 20.1% |
| 20 | Augusta, GA | $19,057 | 95.4% | $1,725 | 72.2% | $16,931 | 45.4% | $16,030 | 40.7% | $1,226 | 19.4% |
| 21 | Washington, DC | $18,909 | 97.3% | $2,375 | 80.1% | $18,147 | 44.3% | $17,971 | 42.4% | $2,145 | 14.1% |
| 22 | Philadelphia, PA | $18,841 | 97.4% | $2,003 | 82.1% | $17,922 | 41.2% | $16,083 | 50.1% | $1,787 | 15.6% |
| 23 | Dallas, TX | $18,827 | 97.5% | $2,449 | 78.6% | $20,044 | 49.3% | $12,000 | 37.3% | $1,074 | 21.9% |
| 24 | Raleigh, NC | $18,779 | 97.7% | $1,824 | 79.2% | $16,439 | 51.0% | $15,362 | 48.5% | $1,875 | 16.9% |
| 25 | Atlanta, GA | $18,686 | 96.9% | $1,973 | 78.8% | $19,125 | 44.8% | $12,902 | 43.9% | $1,196 | 16.9% |
| 26 | Minneapolis, MN | $18,680 | 97.0% | $2,244 | 86.3% | $15,204 | 44.4% | $16,126 | 44.9% | $2,663 | 17.9% |
| 27 | Columbia, SC | $18,569 | 98.3% | $1,662 | 72.3% | $17,903 | 38.5% | $14,079 | 48.9% | $1,171 | 25.1% |
| 28 | Phoenix, AZ | $18,368 | 97.0% | $2,527 | 84.3% | $19,226 | 53.0% | $11,345 | 34.2% | $1,883 | 16.0% |
| 29 | Houston, TX | $18,333 | 97.5% | $2,239 | 79.4% | $20,206 | 49.8% | $11,073 | 35.8% | $1,226 | 22.5% |
| 30 | Jackson, MS | $18,272 | 96.0% | $1,004 | 65.0% | $18,560 | 47.0% | $12,080 | 56.5% | $867 | 17.5% |
| 31 | North Port, FL | $18,234 | 97.7% | $2,599 | 83.3% | $19,077 | 55.2% | $12,294 | 24.7% | $1,488 | 14.9% |
| 32 | Nashville, TN | $18,172 | 96.6% | $2,177 | 74.0% | $17,484 | 47.6% | $13,044 | 37.6% | $1,457 | 19.4% |
| 33 | Columbus, OH | $17,823 | 98.5% | $1,943 | 81.3% | $17,265 | 52.1% | $11,004 | 41.9% | $1,491 | 17.1% |
| 34 | Oklahoma City, OK | $17,553 | 97.4% | $1,888 | 74.0% | $18,882 | 53.8% | $9,864 | 35.3% | $1,497 | 19.0% |
| 35 | Winston-Salem, NC | $17,547 | 97.7% | $1,865 | 77.2% | $15,718 | 47.4% | $12,809 | 46.0% | $1,640 | 20.0% |
| 36 | Baton Rouge, LA | $17,516 | 96.7% | $1,565 | 72.2% | $19,433 | 45.2% | $11,902 | 50.9% | $848 | 22.2% |
| 37 | Virginia Beach, VA | $17,445 | 96.3% | $2,534 | 75.8% | $17,226 | 50.3% | $11,872 | 36.5% | $1,359 | 18.1% |
| 38 | Akron, OH | $17,152 | 97.8% | $2,083 | 75.0% | $14,481 | 61.2% | $9,996 | 39.3% | $1,459 | 19.6% |
| 39 | Rochester, NY | $17,091 | 98.1% | $1,898 | 80.6% | $16,126 | 51.2% | $14,736 | 44.9% | $1,767 | 12.7% |
| 40 | Tampa, FL | $16,966 | 97.2% | $2,406 | 80.8% | $18,010 | 49.3% | $9,825 | 37.5% | $1,566 | 16.5% |
| 41 | Buffalo, NY | $16,939 | 94.9% | $2,247 | 80.3% | $14,237 | 47.3% | $14,390 | 47.8% | $2,715 | 12.7% |
| 42 | Denver, CO | $16,929 | 97.8% | $2,666 | 85.6% | $18,717 | 51.5% | $11,920 | 35.0% | $2,482 | 15.9% |
| 43 | Baltimore, MD | $16,906 | 94.5% | $2,218 | 82.1% | $19,212 | 44.1% | $18,124 | 38.3% | $1,142 | 12.4% |
| 44 | Memphis, TN | $16,860 | 96.2% | $1,482 | 67.3% | $22,060 | 43.9% | $12,711 | 43.9% | $1,286 | 21.0% |
| 45 | Las Vegas, NV | $16,781 | 98.4% | $2,254 | 81.4% | $18,091 | 48.0% | $9,500 | 35.1% | $1,430 | 19.6% |
| 46 | Tucson, AZ | $16,715 | 96.3% | $2,664 | 82.1% | $15,801 | 49.4% | $13,062 | 35.8% | $1,871 | 24.1% |
| 47 | Lakeland, FL | $16,669 | 98.6% | $2,162 | 80.9% | $17,310 | 49.8% | $12,769 | 29.2% | $1,891 | 19.6% |
| 48 | Omaha, NE | $16,655 | 96.4% | $2,385 | 79.1% | $16,533 | 49.8% | $12,059 | 40.7% | $1,534 | 10.3% |
| 49 | Orlando, FL | $16,648 | 98.1% | $2,316 | 86.1% | $16,255 | 46.3% | $12,232 | 37.0% | $1,230 | 19.3% |
| 50 | Birmingham, AL | $16,618 | 96.2% | $1,783 | 73.7% | $17,304 | 49.1% | $12,787 | 36.4% | $775 | 20.4% |
| 51 | Miami, FL | $16,507 | 96.9% | $2,574 | 86.8% | $19,915 | 46.4% | $10,291 | 31.6% | $1,271 | 18.1% |
| 52 | Los Angeles, CA | $16,487 | 97.9% | $2,903 | 88.5% | $19,623 | 46.0% | $11,295 | 30.4% | $2,050 | 18.7% |
| 53 | Cleveland, OH | $16,335 | 96.7% | $1,397 | 75.5% | $15,110 | 55.6% | $14,075 | 35.2% | $1,157 | 12.1% |
| 54 | San Diego, CA | $16,185 | 97.4% | $2,644 | 90.0% | $19,314 | 45.5% | $9,658 | 27.5% | $2,495 | 19.1% |
| 55 | Richmond, VA | $16,129 | 98.3% | $1,322 | 79.1% | $12,796 | 43.9% | $14,340 | 43.0% | $1,000 | 17.4% |
| 56 | Deltona, FL | $16,080 | 97.8% | $1,615 | 82.6% | $17,739 | 47.2% | $10,405 | 32.0% | $1,304 | 18.5% |
| 57 | Wichita, KS | $16,041 | 96.8% | $1,950 | 71.7% | $18,052 | 56.6% | $9,270 | 37.4% | $1,983 | 19.6% |
| 58 | Durham, NC | $15,966 | 97.0% | $1,633 | 78.8% | $17,388 | 48.5% | $15,891 | 43.6% | $2,340 | 19.4% |
| 59 | Albany, NY | $15,922 | 97.0% | $2,026 | 78.2% | $14,560 | 49.3% | $10,555 | 47.5% | $2,200 | 15.5% |
| 60 | Charlotte, NC | $15,834 | 96.9% | $1,863 | 79.7% | $17,446 | 47.7% | $14,033 | 38.1% | $1,641 | 19.5% |
| 61 | Cincinnati, OH | $15,826 | 95.9% | $1,665 | 71.6% | $17,695 | 50.1% | $12,863 | 39.0% | $1,292 | 16.9% |
| 62 | Des Moines, IA | $15,774 | 99.2% | $1,743 | 79.5% | $12,469 | 58.2% | $14,884 | 39.3% | $1,871 | 9.8% |
| 63 | Greensboro, NC | $15,766 | 96.8% | $1,540 | 77.5% | $16,705 | 46.6% | $12,074 | 43.1% | $2,259 | 17.0% |
| 64 | Jacksonville, FL | $15,751 | 96.4% | $2,115 | 78.6% | $17,047 | 45.3% | $13,064 | 31.5% | $932 | 19.3% |
| 65 | Providence, RI | $15,706 | 97.5% | $2,414 | 86.1% | $17,072 | 44.9% | $10,471 | 40.6% | $1,719 | 16.4% |
| 66 | Indianapolis, IN | $15,671 | 96.6% | $1,640 | 78.6% | $15,731 | 50.8% | $12,872 | 36.5% | $1,359 | 17.4% |
| 67 | Poughkeepsie, NY | $15,433 | 97.3% | $2,394 | 88.8% | $16,918 | 42.4% | $12,797 | 45.5% | $1,460 | 14.7% |
| 68 | Riverside, CA | $15,432 | 97.4% | $2,536 | 89.2% | $19,464 | 48.2% | $10,843 | 29.8% | $2,058 | 18.8% |
| 69 | Hartford, CT | $15,399 | 97.1% | $2,246 | 82.7% | $14,377 | 43.8% | $18,481 | 40.9% | $1,884 | 13.0% |
| 70 | Springfield, MA | $15,398 | 92.9% | $1,804 | 84.7% | $16,837 | 45.9% | $14,495 | 40.0% | $6,765 | 12.9% |
| 71 | Ogden, UT | $15,320 | 97.2% | $1,589 | 81.6% | $13,497 | 66.7% | $11,430 | 17.7% | $3,353 | 12.8% |
| 72 | Tulsa, OK | $15,215 | 96.1% | $1,416 | 67.5% | $15,400 | 54.3% | $9,661 | 33.9% | $1,423 | 25.4% |
| 73 | Chicago, IL | $15,185 | 97.9% | $2,326 | 81.6% | $17,019 | 43.1% | $11,497 | 36.2% | $2,193 | 16.8% |
| 74 | San Jose, CA | $15,167 | 97.9% | $2,162 | 89.5% | $21,127 | 47.1% | $12,574 | 21.0% | $1,804 | 14.3% |
| 75 | Fresno, CA | $15,000 | 95.9% | $2,292 | 82.3% | $17,416 | 47.6% | $7,437 | 34.0% | $1,862 | 18.4% |
| 76 | Knoxville, TN | $14,913 | 95.3% | $1,552 | 77.9% | $16,905 | 49.0% | $14,683 | 32.2% | $2,723 | 17.4% |
| 77 | Seattle, WA | $14,897 | 95.1% | $2,474 | 83.2% | $19,900 | 48.9% | $11,433 | 25.2% | $1,891 | 20.9% |
| 78 | Salt Lake City, UT | $14,787 | 98.4% | $2,070 | 85.4% | $14,298 | 55.7% | $9,043 | 28.3% | $1,973 | 18.5% |
| 79 | Toledo, OH | $14,525 | 96.5% | $1,688 | 74.1% | $14,118 | 47.6% | $12,946 | 44.7% | $2,121 | 17.1% |
| 80 | Kansas City, MO | $14,083 | 98.2% | $1,942 | 73.8% | $17,538 | 46.5% | $12,562 | 34.5% | $1,950 | 13.2% |
| 81 | Stockton, CA | $14,066 | 97.4% | $1,901 | 89.7% | $16,689 | 38.5% | $10,380 | 28.8% | $2,029 | 16.0% |
| 82 | Provo, UT | $13,996 | 96.7% | $1,897 | 86.3% | $16,547 | 57.4% | $6,104 | 20.8% | $2,845 | 15.3% |
| 83 | Milwaukee, WI | $13,955 | 95.7% | $1,388 | 73.0% | $17,446 | 42.1% | $13,950 | 39.5% | $1,433 | 20.6% |
| 84 | Oxnard, CA | $13,801 | 98.8% | $3,619 | 90.6% | $21,028 | 42.4% | $9,788 | 29.4% | $1,458 | 11.8% |
| 85 | Honolulu, HI | $13,742 | 99.1% | $2,696 | 88.9% | $15,078 | 45.4% | $9,180 | 25.0% | $4,445 | 22.2% |
| 86 | Louisville, KY | $13,514 | 95.9% | $1,509 | 77.1% | $16,063 | 40.8% | $10,510 | 37.0% | $1,150 | 16.8% |
| 87 | New York, NY | $13,505 | 97.1% | $2,765 | 86.9% | $17,499 | 29.1% | $14,817 | 42.0% | $1,824 | 12.8% |
| 88 | Grand Rapids, MI | $13,504 | 96.0% | $1,911 | 73.3% | $13,890 | 46.5% | $14,618 | 41.6% | $2,347 | 12.9% |
| 89 | Sacramento, CA | $13,422 | 98.0% | $2,062 | 82.8% | $15,769 | 46.5% | $9,813 | 33.0% | $1,859 | 14.9% |
| 90 | Bakersfield, CA | $13,416 | 96.8% | $2,467 | 85.5% | $20,760 | 46.0% | $8,943 | 25.8% | $2,589 | 20.2% |
| 91 | St. Louis, MO | $13,130 | 96.3% | $1,769 | 72.5% | $18,874 | 46.3% | $9,880 | 34.3% | $999 | 17.9% |
| 92 | Greenville, SC | $13,053 | 97.5% | $1,684 | 76.5% | $20,598 | 41.2% | $10,848 | 35.3% | $1,165 | 19.3% |
| 93 | San Francisco, CA | $13,012 | 98.7% | $2,773 | 87.3% | $20,070 | 37.4% | $11,553 | 26.5% | $2,074 | 18.2% |
| 94 | Detroit, MI | $12,279 | 93.6% | $1,976 | 73.0% | $14,360 | 44.0% | $11,266 | 37.6% | $1,467 | 15.2% |
| 95 | Dayton, OH | $12,061 | 96.9% | $1,972 | 75.8% | $14,216 | 51.5% | $9,439 | 29.9% | $1,410 | 23.2% |
| 96 | Portland, OR | $11,751 | 97.6% | $2,345 | 89.0% | $16,206 | 46.0% | $9,154 | 30.1% | $3,198 | 17.7% |
| 97 | Palm Bay, FL | $11,726 | 96.1% | $2,243 | 82.9% | $18,430 | 46.5% | $11,361 | 27.1% | $2,494 | 12.4% |
| 98 | Spokane, WA | $10,956 | 94.3% | $1,129 | 83.0% | $11,481 | 42.0% | $11,087 | 30.7% | $2,195 | 11.4% |
| 99 | Scranton, PA | $10,754 | 91.4% | $1,522 | 74.2% | $21,132 | 35.5% | $18,172 | 36.6% | $712 | 14.0% |
| 100 | Madison, WI | $9,147 | 96.9% | $1,078 | 79.7% | $15,592 | 42.2% | $10,767 | 40.6% | $2,605 | 14.1% |
| N/A | 100-metro median | $16,562 | 97.1% | $2,076 | 80.8% | $17,402 | 47.5% | $12,172 | 37.2% | $1,743 | 17.5% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Where millennials carry the most non-mortgage debt
| Rank | Metro | Median non-mortgage debt | % with non-mortgage debt | Median credit card debt | % with credit card debt | Median auto debt | % with auto debt | Median student loan debt | % with student loan debt | Median personal loan debt | % with personal loan debt |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | El Paso, TX | $42,982 | 99.3% | $5,172 | 89.5% | $24,947 | 66.6% | $19,886 | 44.0% | $2,971 | 25.9% |
| 2 | McAllen, TX | $40,293 | 99.4% | $4,579 | 88.5% | $30,700 | 68.2% | $13,528 | 34.2% | $3,438 | 26.5% |
| 3 | San Antonio, TX | $38,744 | 99.3% | $4,952 | 87.7% | $25,934 | 63.9% | $20,405 | 39.3% | $2,393 | 24.0% |
| 4 | Augusta, GA | $36,730 | 99.0% | $3,705 | 82.8% | $23,880 | 62.7% | $26,297 | 42.2% | $2,078 | 27.2% |
| 5 | Cape Coral, FL | $36,684 | 98.1% | $5,360 | 89.0% | $24,191 | 65.9% | $24,861 | 37.0% | $3,994 | 18.1% |
| 6 | Colorado Springs, CO | $35,889 | 99.3% | $4,746 | 91.1% | $22,276 | 63.1% | $19,519 | 41.6% | $2,724 | 18.5% |
| 7 | Houston, TX | $35,730 | 99.2% | $4,895 | 88.7% | $24,982 | 60.6% | $24,046 | 37.0% | $2,300 | 22.6% |
| 8 | Little Rock, AR | $35,475 | 98.3% | $3,286 | 81.7% | $22,438 | 64.7% | $22,483 | 49.3% | $2,381 | 17.6% |
| 9 | Charleston, SC | $35,471 | 98.8% | $4,488 | 86.7% | $20,134 | 61.3% | $28,661 | 43.9% | $2,657 | 19.6% |
| 10 | Columbia, SC | $35,284 | 99.0% | $3,543 | 83.3% | $21,974 | 62.1% | $29,353 | 47.4% | $2,211 | 22.3% |
| 11 | Baton Rouge, LA | $34,829 | 98.6% | $2,997 | 81.1% | $23,152 | 58.5% | $25,410 | 44.5% | $2,479 | 24.1% |
| 12 | Austin, TX | $34,792 | 99.1% | $5,132 | 91.5% | $24,475 | 63.6% | $23,843 | 33.8% | $2,732 | 18.3% |
| 13 | Dallas, TX | $34,778 | 99.0% | $4,804 | 88.7% | $23,928 | 61.8% | $23,974 | 36.8% | $2,382 | 21.2% |
| 14 | New Orleans, LA | $34,321 | 99.0% | $4,056 | 84.8% | $21,758 | 54.9% | $27,434 | 46.3% | $2,295 | 23.4% |
| 15 | Memphis, TN | $34,179 | 99.2% | $3,542 | 80.4% | $23,550 | 57.2% | $25,999 | 47.7% | $2,155 | 22.0% |
| 16 | Birmingham, AL | $34,019 | 99.0% | $3,148 | 83.4% | $22,492 | 60.3% | $29,001 | 42.0% | $2,160 | 21.7% |
| 17 | North Port, FL | $33,897 | 98.7% | $5,005 | 90.5% | $23,426 | 61.3% | $23,902 | 34.9% | $3,085 | 15.9% |
| 18 | Tampa, FL | $33,863 | 98.8% | $4,816 | 89.0% | $22,201 | 59.7% | $24,936 | 37.9% | $2,919 | 17.4% |
| 19 | Omaha, NE | $33,824 | 98.4% | $4,784 | 89.3% | $20,716 | 62.4% | $26,292 | 38.5% | $5,245 | 16.5% |
| 20 | Phoenix, AZ | $33,329 | 99.0% | $4,134 | 89.6% | $23,539 | 60.3% | $22,228 | 37.1% | $3,380 | 16.1% |
| 21 | Miami, FL | $33,173 | 98.8% | $5,712 | 91.5% | $21,850 | 59.6% | $25,058 | 34.3% | $2,806 | 16.2% |
| 22 | Scranton, PA | $33,067 | 99.7% | $3,888 | 88.0% | $18,406 | 61.3% | $21,614 | 45.8% | $4,393 | 16.6% |
| 23 | Bridgeport, CT | $33,054 | 99.2% | $6,250 | 92.8% | $17,954 | 56.3% | $27,628 | 38.9% | $5,571 | 14.5% |
| 24 | Durham, NC | $33,011 | 98.9% | $4,257 | 88.1% | $21,665 | 58.8% | $30,606 | 39.1% | $2,696 | 13.1% |
| 25 | Jacksonville, FL | $32,973 | 98.8% | $4,240 | 87.1% | $21,539 | 61.1% | $23,977 | 38.9% | $2,224 | 22.0% |
| 26 | Oklahoma City, OK | $32,806 | 98.6% | $4,016 | 84.7% | $23,376 | 63.7% | $24,360 | 40.1% | $3,296 | 23.6% |
| 27 | New Haven, CT | $32,616 | 99.0% | $5,055 | 90.0% | $17,776 | 60.0% | $25,653 | 45.5% | $3,690 | 14.0% |
| 28 | Raleigh, NC | $32,600 | 99.0% | $4,466 | 90.2% | $20,480 | 61.4% | $30,119 | 40.9% | $3,228 | 18.1% |
| 29 | Albuquerque, NM | $32,580 | 98.9% | $4,018 | 86.1% | $24,264 | 60.6% | $23,217 | 37.2% | $2,919 | 22.7% |
| 30 | Riverside, CA | $32,547 | 98.9% | $5,065 | 91.0% | $23,541 | 60.8% | $19,371 | 31.7% | $2,784 | 19.8% |
| 31 | Pittsburgh, PA | $32,523 | 98.5% | $4,472 | 88.9% | $19,320 | 62.6% | $26,890 | 41.6% | $3,829 | 12.3% |
| 32 | Atlanta, GA | $32,512 | 98.5% | $4,096 | 86.8% | $22,530 | 56.3% | $29,724 | 42.2% | $2,269 | 17.8% |
| 33 | Poughkeepsie, NY | $32,495 | 99.1% | $6,032 | 90.6% | $18,709 | 60.5% | $26,395 | 37.0% | $3,154 | 17.5% |
| 34 | Buffalo, NY | $32,470 | 98.6% | $4,937 | 87.7% | $17,785 | 62.6% | $26,375 | 44.8% | $3,861 | 15.8% |
| 35 | Syracuse, NY | $32,365 | 98.3% | $3,816 | 87.1% | $20,223 | 68.1% | $23,132 | 42.3% | $3,331 | 16.5% |
| 36 | Bakersfield, CA | $32,224 | 99.6% | $4,620 | 88.5% | $24,245 | 61.4% | $20,028 | 32.1% | $3,136 | 16.6% |
| 37 | Virginia Beach, VA | $31,988 | 98.4% | $4,648 | 83.2% | $20,044 | 56.2% | $24,500 | 41.2% | $3,165 | 18.9% |
| 38 | Lakeland, FL | $31,674 | 98.8% | $4,581 | 86.5% | $24,369 | 62.4% | $24,778 | 32.1% | $2,566 | 16.3% |
| 39 | Deltona, FL | $31,509 | 98.3% | $5,044 | 86.9% | $20,670 | 61.7% | $24,247 | 36.6% | $4,391 | 15.5% |
| 40 | Orlando, FL | $31,450 | 99.0% | $5,044 | 89.8% | $21,304 | 59.6% | $22,352 | 38.2% | $2,564 | 17.9% |
| 41 | Las Vegas, NV | $31,428 | 98.5% | $4,540 | 89.3% | $22,651 | 58.3% | $20,048 | 34.3% | $2,486 | 17.2% |
| 42 | Baltimore, MD | $31,275 | 99.0% | $4,547 | 89.1% | $21,510 | 59.1% | $25,985 | 38.2% | $3,521 | 13.3% |
| 43 | Charlotte, NC | $31,190 | 99.3% | $3,929 | 89.7% | $20,820 | 59.9% | $28,692 | 38.6% | $2,597 | 17.5% |
| 44 | Denver, CO | $31,134 | 98.5% | $5,007 | 91.7% | $21,267 | 56.7% | $25,430 | 38.3% | $4,569 | 14.1% |
| 45 | Honolulu, HI | $30,963 | 98.7% | $4,715 | 92.0% | $21,138 | 53.1% | $23,947 | 28.8% | $5,002 | 13.4% |
| 46 | Portland, OR | $30,825 | 98.2% | $4,664 | 90.9% | $20,514 | 56.5% | $27,805 | 35.9% | $3,499 | 14.5% |
| 47 | Boston, MA | $30,703 | 98.8% | $5,222 | 92.3% | $18,274 | 56.7% | $24,042 | 40.4% | $4,089 | 12.0% |
| 48 | Palm Bay, FL | $30,679 | 98.2% | $4,243 | 90.1% | $20,134 | 59.8% | $19,369 | 38.4% | $2,523 | 17.8% |
| 49 | Philadelphia, PA | $30,646 | 98.8% | $4,432 | 89.6% | $18,839 | 56.5% | $24,469 | 42.3% | $2,703 | 15.0% |
| 50 | Indianapolis, IN | $30,562 | 98.5% | $3,672 | 87.7% | $20,121 | 61.8% | $24,687 | 41.2% | $3,283 | 16.0% |
| 51 | Toledo, OH | $30,553 | 98.9% | $3,486 | 85.9% | $17,540 | 64.2% | $26,886 | 43.1% | $2,482 | 16.8% |
| 52 | Hartford, CT | $30,547 | 98.8% | $5,244 | 91.5% | $17,057 | 57.5% | $21,369 | 41.4% | $4,709 | 14.4% |
| 53 | Washington, DC | $30,479 | 98.7% | $4,694 | 91.1% | $21,654 | 49.2% | $31,895 | 38.0% | $3,727 | 13.1% |
| 54 | Allentown, PA | $30,285 | 99.4% | $5,407 | 89.1% | $17,851 | 64.7% | $17,302 | 37.4% | $4,146 | 13.5% |
| 55 | Wichita, KS | $30,109 | 99.1% | $3,831 | 85.1% | $20,946 | 58.4% | $21,993 | 41.8% | $2,381 | 17.1% |
| 56 | Oxnard, CA | $30,025 | 99.0% | $5,054 | 92.7% | $23,296 | 58.6% | $17,650 | 28.1% | $3,418 | 19.3% |
| 57 | Jackson, MS | $30,020 | 97.7% | $2,717 | 76.2% | $19,653 | 56.3% | $26,295 | 53.5% | $2,108 | 27.6% |
| 58 | Chicago, IL | $29,952 | 97.7% | $4,806 | 89.0% | $20,817 | 56.1% | $24,512 | 36.5% | $3,670 | 14.7% |
| 59 | San Diego, CA | $29,889 | 99.1% | $5,458 | 93.0% | $21,534 | 55.4% | $19,534 | 30.6% | $4,377 | 16.6% |
| 60 | Worcester, MA | $29,803 | 99.0% | $5,592 | 91.5% | $18,783 | 61.9% | $21,611 | 35.1% | $3,121 | 16.1% |
| 61 | Des Moines, IA | $29,793 | 98.7% | $4,290 | 88.5% | $22,860 | 60.5% | $20,385 | 44.4% | $5,643 | 15.9% |
| 62 | Nashville, TN | $29,765 | 98.6% | $4,014 | 85.6% | $20,833 | 58.8% | $24,770 | 36.9% | $2,142 | 17.1% |
| 63 | Tulsa, OK | $29,723 | 99.2% | $3,414 | 82.6% | $21,671 | 61.8% | $21,193 | 39.9% | $1,671 | 24.5% |
| 64 | Greensboro, NC | $29,687 | 98.4% | $2,996 | 82.8% | $18,015 | 59.3% | $27,579 | 41.0% | $2,478 | 19.0% |
| 65 | Akron, OH | $29,615 | 98.7% | $4,249 | 89.9% | $17,232 | 62.2% | $26,633 | 45.3% | $2,753 | 16.9% |
| 66 | Albany, NY | $29,556 | 98.1% | $4,481 | 85.1% | $18,450 | 62.4% | $24,790 | 38.9% | $4,567 | 14.4% |
| 67 | Kansas City, MO | $29,544 | 98.7% | $4,241 | 87.5% | $19,946 | 59.0% | $22,701 | 38.1% | $2,238 | 16.1% |
| 68 | Sacramento, CA | $29,498 | 98.6% | $4,488 | 90.2% | $21,707 | 55.4% | $22,273 | 34.7% | $3,145 | 14.7% |
| 69 | Columbus, OH | $29,311 | 97.6% | $3,744 | 87.4% | $19,400 | 60.2% | $24,178 | 41.6% | $3,253 | 16.4% |
| 70 | Boise, ID | $29,300 | 98.0% | $3,703 | 87.6% | $20,301 | 59.9% | $23,688 | 35.8% | $3,201 | 16.5% |
| 71 | Rochester, NY | $29,282 | 98.0% | $4,312 | 85.4% | $18,454 | 60.2% | $22,352 | 42.8% | $3,701 | 18.4% |
| 72 | Cleveland, OH | $29,237 | 98.2% | $3,957 | 86.2% | $18,601 | 64.1% | $23,867 | 42.2% | $2,583 | 15.9% |
| 73 | Knoxville, TN | $29,138 | 98.8% | $3,209 | 84.0% | $22,322 | 64.2% | $21,982 | 31.3% | $2,018 | 22.5% |
| 74 | Tucson, AZ | $29,126 | 98.4% | $3,531 | 86.5% | $20,191 | 57.6% | $23,536 | 34.6% | $3,519 | 19.0% |
| 75 | Richmond, VA | $29,078 | 97.8% | $3,581 | 85.2% | $17,123 | 55.1% | $27,860 | 41.5% | $3,224 | 17.5% |
| 76 | St. Louis, MO | $29,027 | 98.5% | $3,637 | 84.0% | $19,344 | 59.9% | $22,330 | 37.9% | $2,662 | 18.5% |
| 77 | Winston-Salem, NC | $28,675 | 98.1% | $3,682 | 83.4% | $20,908 | 60.1% | $21,256 | 38.0% | $3,812 | 16.2% |
| 78 | Provo, UT | $28,672 | 97.5% | $4,513 | 89.0% | $18,879 | 56.8% | $26,968 | 32.8% | $3,910 | 15.5% |
| 79 | Harrisburg, PA | $28,583 | 98.5% | $3,350 | 88.2% | $21,885 | 57.6% | $25,596 | 38.9% | $2,243 | 17.2% |
| 80 | Cincinnati, OH | $28,477 | 98.4% | $4,066 | 85.1% | $19,533 | 60.1% | $24,535 | 40.5% | $2,572 | 15.3% |
| 81 | Minneapolis, MN | $28,370 | 98.0% | $4,232 | 89.1% | $18,440 | 54.2% | $26,076 | 41.6% | $3,191 | 16.2% |
| 82 | Seattle, WA | $28,255 | 98.6% | $4,633 | 92.4% | $22,371 | 57.5% | $22,498 | 25.4% | $3,483 | 14.5% |
| 83 | Los Angeles, CA | $28,150 | 98.7% | $5,192 | 92.3% | $21,199 | 54.0% | $20,459 | 30.6% | $2,923 | 16.5% |
| 84 | Detroit, MI | $28,068 | 98.1% | $3,652 | 86.7% | $16,969 | 58.0% | $26,097 | 41.6% | $2,758 | 16.6% |
| 85 | Providence, RI | $27,934 | 99.0% | $5,219 | 93.3% | $16,736 | 57.9% | $21,945 | 38.2% | $3,741 | 15.6% |
| 86 | Salt Lake City, UT | $27,883 | 98.4% | $4,445 | 88.0% | $20,639 | 60.2% | $26,335 | 29.5% | $2,647 | 19.7% |
| 87 | Madison, WI | $27,595 | 98.9% | $3,455 | 86.9% | $19,819 | 64.0% | $20,006 | 34.5% | $2,661 | 17.2% |
| 88 | Stockton, CA | $27,579 | 99.0% | $4,950 | 90.2% | $21,464 | 58.9% | $12,584 | 25.5% | $3,567 | 11.8% |
| 89 | Milwaukee, WI | $27,363 | 98.7% | $4,262 | 82.9% | $18,259 | 56.7% | $24,602 | 43.1% | $2,532 | 16.9% |
| 90 | Springfield, MA | $27,115 | 98.7% | $5,289 | 92.2% | $17,623 | 55.1% | $16,118 | 42.1% | $5,939 | 10.6% |
| 91 | Dayton, OH | $26,952 | 98.7% | $3,218 | 84.4% | $18,610 | 61.9% | $23,550 | 43.5% | $2,054 | 21.5% |
| 92 | Greenville, SC | $26,933 | 99.1% | $3,211 | 82.8% | $19,956 | 57.1% | $27,908 | 36.7% | $2,261 | 23.6% |
| 93 | New York, NY | $26,351 | 98.7% | $5,687 | 91.9% | $18,798 | 43.9% | $24,182 | 35.9% | $3,796 | 13.6% |
| 94 | Ogden, UT | $26,072 | 99.2% | $3,396 | 88.7% | $21,500 | 57.5% | $20,257 | 30.6% | $2,056 | 17.3% |
| 95 | San Francisco, CA | $25,537 | 99.0% | $4,906 | 93.0% | $22,515 | 49.4% | $22,933 | 24.5% | $4,179 | 11.9% |
| 96 | Louisville, KY | $25,260 | 98.3% | $3,343 | 83.9% | $19,499 | 53.5% | $28,030 | 39.7% | $2,612 | 17.5% |
| 97 | Fresno, CA | $25,132 | 98.6% | $3,998 | 91.4% | $24,821 | 54.5% | $13,081 | 30.9% | $2,107 | 16.4% |
| 98 | Grand Rapids, MI | $24,288 | 97.3% | $3,116 | 86.1% | $15,927 | 56.1% | $27,509 | 42.1% | $2,798 | 15.4% |
| 99 | San Jose, CA | $22,945 | 98.7% | $4,308 | 94.6% | $24,414 | 49.7% | $18,447 | 18.7% | $4,750 | 10.9% |
| 100 | Spokane, WA | $22,036 | 98.1% | $3,538 | 85.0% | $19,020 | 53.6% | $13,819 | 37.7% | $2,875 | 20.9% |
| N/A | 100-metro median | $30,558 | 98.7% | $4,372 | 88.5% | $20,826 | 59.8% | $24,112 | 38.4% | $2,921 | 16.8% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Where Gen Xers carry the most non-mortgage debt
| Rank | Metro | Median non-mortgage debt | % with non-mortgage debt | Median credit card debt | % with credit card debt | Median auto debt | % with auto debt | Median student loan debt | % with student loan debt | Median personal loan debt | % with personal loan debt |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | McAllen, TX | $46,166 | 99.8% | $6,570 | 89.8% | $29,862 | 70.5% | $18,776 | 21.4% | $4,337 | 25.5% |
| 2 | San Antonio, TX | $43,893 | 99.1% | $6,379 | 91.4% | $28,350 | 67.2% | $29,696 | 26.9% | $3,088 | 19.8% |
| 3 | El Paso, TX | $43,596 | 98.6% | $7,446 | 92.1% | $29,355 | 63.5% | $31,327 | 27.4% | $5,789 | 21.1% |
| 4 | Jacksonville, FL | $41,442 | 99.1% | $7,011 | 94.6% | $27,368 | 65.0% | $34,771 | 25.6% | $4,613 | 16.3% |
| 5 | Dallas, TX | $40,921 | 99.1% | $7,309 | 92.8% | $26,362 | 64.8% | $31,084 | 25.6% | $3,547 | 16.0% |
| 6 | Austin, TX | $40,043 | 99.5% | $7,583 | 94.2% | $28,021 | 63.1% | $28,965 | 23.4% | $5,309 | 14.8% |
| 7 | Cape Coral, FL | $39,521 | 99.2% | $7,714 | 95.8% | $26,340 | 69.5% | $29,583 | 21.0% | $5,953 | 14.4% |
| 8 | Colorado Springs, CO | $39,278 | 99.3% | $7,214 | 93.1% | $24,371 | 63.2% | $33,668 | 25.7% | $6,037 | 13.7% |
| 9 | Augusta, GA | $38,539 | 98.1% | $5,762 | 87.2% | $24,616 | 66.0% | $27,346 | 25.9% | $2,538 | 17.4% |
| 10 | Lakeland, FL | $38,470 | 98.5% | $7,777 | 92.6% | $29,025 | 66.1% | $24,135 | 21.0% | $4,902 | 18.1% |
| 11 | Little Rock, AR | $38,407 | 97.4% | $5,105 | 89.5% | $26,643 | 62.8% | $31,109 | 30.8% | $3,099 | 16.6% |
| 12 | Deltona, FL | $38,218 | 99.6% | $6,450 | 94.9% | $25,382 | 66.4% | $33,950 | 24.8% | $5,596 | 16.1% |
| 13 | Houston, TX | $38,183 | 98.6% | $7,002 | 92.0% | $27,765 | 60.1% | $32,710 | 23.4% | $3,662 | 17.6% |
| 14 | Denver, CO | $37,947 | 98.1% | $7,382 | 93.1% | $23,448 | 58.6% | $33,037 | 26.3% | $6,099 | 12.0% |
| 15 | Bakersfield, CA | $37,915 | 98.7% | $7,049 | 93.7% | $25,696 | 66.2% | $27,444 | 22.5% | $3,858 | 16.2% |
| 16 | Baton Rouge, LA | $37,875 | 98.8% | $5,493 | 89.4% | $25,847 | 63.9% | $26,804 | 27.4% | $3,998 | 17.7% |
| 17 | Riverside, CA | $37,753 | 98.7% | $7,064 | 94.3% | $26,624 | 63.8% | $29,854 | 22.0% | $5,744 | 14.1% |
| 18 | Provo, UT | $37,407 | 97.4% | $7,231 | 91.5% | $26,637 | 64.5% | $31,827 | 21.6% | $4,207 | 14.2% |
| 19 | North Port, FL | $37,376 | 99.1% | $6,542 | 94.5% | $25,787 | 63.9% | $27,271 | 21.6% | $5,209 | 10.5% |
| 20 | Richmond, VA | $37,216 | 98.3% | $6,230 | 92.0% | $21,102 | 59.8% | $41,772 | 29.6% | $5,069 | 15.6% |
| 21 | Phoenix, AZ | $37,152 | 98.8% | $6,404 | 93.0% | $26,030 | 61.2% | $31,449 | 26.1% | $5,345 | 14.2% |
| 22 | Baltimore, MD | $36,967 | 98.4% | $6,676 | 94.4% | $25,775 | 61.0% | $41,234 | 24.0% | $6,202 | 12.7% |
| 23 | Las Vegas, NV | $36,749 | 98.6% | $7,048 | 93.6% | $25,487 | 58.4% | $31,047 | 21.5% | $4,119 | 15.6% |
| 24 | Atlanta, GA | $36,697 | 98.8% | $6,331 | 93.2% | $24,966 | 59.1% | $42,653 | 29.4% | $3,989 | 15.9% |
| 25 | Virginia Beach, VA | $36,537 | 98.8% | $6,423 | 92.4% | $23,239 | 62.2% | $29,292 | 27.0% | $5,561 | 17.1% |
| 26 | Des Moines, IA | $36,506 | 99.4% | $5,770 | 95.2% | $21,151 | 69.1% | $29,934 | 26.7% | $6,080 | 13.3% |
| 27 | Palm Bay, FL | $36,259 | 98.4% | $6,393 | 93.0% | $25,278 | 60.4% | $26,743 | 22.4% | $6,568 | 17.9% |
| 28 | Tampa, FL | $36,083 | 98.9% | $6,931 | 94.2% | $24,250 | 62.9% | $31,571 | 23.9% | $4,724 | 15.3% |
| 29 | Charleston, SC | $35,853 | 99.1% | $6,585 | 89.7% | $21,468 | 61.9% | $32,535 | 29.4% | $3,817 | 19.0% |
| 30 | Miami, FL | $35,834 | 99.0% | $7,797 | 95.4% | $23,927 | 63.2% | $29,040 | 22.4% | $4,944 | 13.3% |
| 31 | Washington, DC | $35,726 | 98.3% | $7,218 | 94.5% | $25,496 | 55.2% | $33,931 | 25.0% | $6,697 | 11.3% |
| 32 | New Orleans, LA | $35,671 | 98.8% | $6,000 | 91.2% | $24,068 | 60.5% | $33,558 | 26.8% | $4,649 | 17.1% |
| 33 | Albuquerque, NM | $35,611 | 98.9% | $5,686 | 89.6% | $26,955 | 61.6% | $28,682 | 24.7% | $4,102 | 19.7% |
| 34 | Memphis, TN | $35,593 | 99.0% | $5,146 | 90.8% | $23,787 | 58.9% | $31,578 | 31.1% | $2,443 | 19.5% |
| 35 | Durham, NC | $35,434 | 98.2% | $7,442 | 91.7% | $23,022 | 57.4% | $42,512 | 27.7% | $4,371 | 11.4% |
| 36 | Sacramento, CA | $35,424 | 99.0% | $7,306 | 95.4% | $24,505 | 59.4% | $28,979 | 22.3% | $6,741 | 12.1% |
| 37 | Columbia, SC | $35,283 | 98.7% | $5,306 | 87.5% | $20,859 | 60.1% | $29,885 | 34.7% | $2,690 | 19.9% |
| 38 | Orlando, FL | $35,214 | 99.0% | $6,581 | 94.4% | $24,484 | 61.7% | $32,519 | 22.9% | $5,056 | 14.5% |
| 39 | Stockton, CA | $35,072 | 98.6% | $5,999 | 89.5% | $26,081 | 62.6% | $25,058 | 19.4% | $4,197 | 13.1% |
| 40 | Kansas City, MO | $35,069 | 98.2% | $6,343 | 91.7% | $22,920 | 59.2% | $31,440 | 28.4% | $3,954 | 15.1% |
| 41 | Jackson, MS | $34,594 | 97.7% | $4,599 | 85.9% | $23,281 | 56.1% | $53,036 | 32.4% | $3,436 | 23.2% |
| 42 | Raleigh, NC | $34,528 | 98.8% | $6,783 | 92.6% | $24,381 | 60.5% | $34,974 | 28.7% | $5,378 | 14.5% |
| 43 | Indianapolis, IN | $34,387 | 98.1% | $5,791 | 90.7% | $23,922 | 63.8% | $27,182 | 28.1% | $3,957 | 15.5% |
| 44 | Hartford, CT | $34,345 | 99.3% | $7,544 | 94.6% | $20,559 | 60.1% | $32,081 | 28.7% | $5,817 | 12.5% |
| 45 | Fresno, CA | $34,281 | 98.7% | $6,876 | 94.3% | $24,226 | 57.5% | $21,897 | 18.2% | $9,160 | 11.6% |
| 46 | Syracuse, NY | $34,231 | 98.6% | $6,006 | 91.1% | $19,029 | 69.1% | $35,625 | 25.5% | $5,442 | 15.1% |
| 47 | St. Louis, MO | $34,043 | 98.4% | $5,192 | 89.9% | $23,311 | 60.9% | $34,392 | 28.2% | $4,664 | 16.2% |
| 48 | Bridgeport, CT | $34,035 | 98.4% | $8,669 | 96.2% | $19,900 | 58.6% | $35,969 | 18.6% | $7,444 | 11.8% |
| 49 | Greensboro, NC | $33,936 | 98.9% | $5,208 | 90.2% | $22,360 | 58.0% | $39,800 | 25.7% | $5,166 | 14.5% |
| 50 | Spokane, WA | $33,893 | 97.8% | $5,447 | 91.5% | $22,678 | 60.1% | $21,445 | 30.9% | $3,893 | 14.3% |
| 51 | Philadelphia, PA | $33,825 | 99.2% | $6,712 | 94.7% | $21,363 | 61.5% | $31,797 | 26.0% | $5,224 | 12.6% |
| 52 | Birmingham, AL | $33,751 | 97.9% | $4,955 | 89.6% | $24,178 | 60.9% | $30,262 | 27.2% | $3,578 | 20.1% |
| 53 | Charlotte, NC | $33,562 | 98.7% | $6,109 | 92.5% | $23,812 | 61.4% | $32,802 | 23.7% | $4,288 | 15.6% |
| 54 | Tucson, AZ | $33,506 | 98.8% | $5,460 | 91.8% | $22,321 | 60.4% | $29,659 | 24.0% | $6,181 | 15.4% |
| 55 | Omaha, NE | $33,478 | 98.3% | $6,390 | 93.2% | $21,989 | 67.3% | $37,614 | 22.5% | $5,607 | 13.0% |
| 56 | Poughkeepsie, NY | $33,330 | 98.5% | $7,312 | 94.1% | $21,912 | 62.1% | $32,146 | 24.3% | $5,550 | 12.4% |
| 57 | Wichita, KS | $33,220 | 99.4% | $5,817 | 90.4% | $22,783 | 63.2% | $25,068 | 29.7% | $3,455 | 16.3% |
| 58 | Pittsburgh, PA | $33,170 | 98.3% | $4,894 | 92.5% | $23,061 | 66.4% | $27,453 | 25.7% | $6,696 | 14.6% |
| 59 | Oklahoma City, OK | $33,108 | 98.5% | $5,154 | 87.5% | $22,472 | 64.2% | $26,476 | 26.1% | $2,351 | 18.6% |
| 60 | Buffalo, NY | $33,083 | 98.4% | $6,774 | 92.6% | $19,704 | 68.1% | $27,612 | 26.1% | $6,465 | 12.2% |
| 61 | Tulsa, OK | $32,849 | 99.0% | $4,481 | 87.2% | $22,161 | 62.4% | $30,810 | 29.0% | $2,937 | 18.2% |
| 62 | Oxnard, CA | $32,826 | 99.7% | $6,818 | 96.3% | $25,196 | 57.5% | $43,327 | 16.6% | $6,060 | 13.5% |
| 63 | San Diego, CA | $32,612 | 99.0% | $7,209 | 94.6% | $25,236 | 52.4% | $32,461 | 19.8% | $7,959 | 12.7% |
| 64 | Louisville, KY | $32,608 | 97.6% | $4,810 | 90.3% | $21,695 | 56.1% | $36,280 | 28.4% | $4,521 | 16.3% |
| 65 | Boise, ID | $32,526 | 99.1% | $5,489 | 91.7% | $24,357 | 61.2% | $26,370 | 26.8% | $4,453 | 12.7% |
| 66 | New Haven, CT | $32,477 | 99.8% | $7,319 | 95.7% | $20,168 | 59.8% | $27,328 | 29.7% | $6,201 | 14.5% |
| 67 | Ogden, UT | $32,460 | 97.5% | $5,081 | 88.2% | $28,067 | 65.5% | $20,335 | 19.0% | $2,719 | 11.5% |
| 68 | Winston-Salem, NC | $32,358 | 98.4% | $5,616 | 90.9% | $22,784 | 63.2% | $25,213 | 24.3% | $4,862 | 15.2% |
| 69 | Dayton, OH | $32,358 | 98.4% | $4,357 | 89.3% | $21,665 | 61.3% | $26,164 | 29.8% | $2,746 | 14.6% |
| 70 | Minneapolis, MN | $32,266 | 98.9% | $6,209 | 93.9% | $22,061 | 58.5% | $28,749 | 27.7% | $6,994 | 11.8% |
| 71 | Nashville, TN | $32,107 | 98.7% | $5,587 | 90.4% | $24,826 | 58.1% | $26,396 | 26.0% | $3,822 | 15.5% |
| 72 | Los Angeles, CA | $32,013 | 98.4% | $7,098 | 94.4% | $23,722 | 55.5% | $30,033 | 19.5% | $5,158 | 11.9% |
| 73 | Columbus, OH | $31,814 | 98.6% | $5,216 | 91.7% | $21,550 | 61.3% | $31,118 | 29.0% | $5,282 | 13.2% |
| 74 | Chicago, IL | $31,711 | 98.2% | $6,457 | 94.2% | $22,613 | 56.9% | $34,346 | 23.2% | $5,367 | 13.1% |
| 75 | Portland, OR | $31,530 | 98.2% | $5,937 | 94.1% | $23,191 | 55.4% | $29,378 | 23.4% | $5,128 | 12.9% |
| 76 | Seattle, WA | $31,510 | 98.1% | $6,234 | 94.1% | $26,269 | 56.4% | $25,251 | 17.9% | $7,200 | 11.8% |
| 77 | Providence, RI | $31,466 | 99.2% | $6,974 | 94.5% | $20,273 | 58.4% | $25,592 | 21.1% | $5,183 | 13.4% |
| 78 | Allentown, PA | $31,238 | 98.9% | $5,729 | 93.9% | $21,096 | 63.2% | $33,908 | 21.1% | $6,098 | 11.8% |
| 79 | Cincinnati, OH | $31,153 | 98.7% | $5,604 | 92.4% | $21,924 | 60.5% | $33,595 | 26.4% | $4,139 | 14.0% |
| 80 | Salt Lake City, UT | $31,048 | 98.2% | $5,611 | 92.0% | $23,383 | 61.5% | $39,109 | 18.5% | $4,447 | 13.5% |
| 81 | Worcester, MA | $30,733 | 99.2% | $6,207 | 94.6% | $20,500 | 67.2% | $30,186 | 24.9% | $6,679 | 15.1% |
| 82 | Knoxville, TN | $30,662 | 99.1% | $4,826 | 89.0% | $25,133 | 65.8% | $31,350 | 23.7% | $2,825 | 18.3% |
| 83 | Honolulu, HI | $30,592 | 99.2% | $6,961 | 94.1% | $20,090 | 42.9% | $36,211 | 19.6% | $7,663 | 15.4% |
| 84 | Detroit, MI | $30,566 | 98.5% | $6,181 | 91.8% | $20,068 | 64.1% | $27,545 | 25.8% | $3,891 | 14.3% |
| 85 | Greenville, SC | $30,522 | 98.7% | $5,483 | 87.2% | $22,741 | 57.0% | $28,680 | 23.7% | $3,576 | 20.6% |
| 86 | Rochester, NY | $30,403 | 98.6% | $5,887 | 93.4% | $21,278 | 64.4% | $30,714 | 26.6% | $5,940 | 10.9% |
| 87 | Cleveland, OH | $29,892 | 98.6% | $5,576 | 92.4% | $19,116 | 64.3% | $33,736 | 26.7% | $3,898 | 13.9% |
| 88 | Akron, OH | $29,806 | 98.1% | $5,264 | 92.0% | $21,659 | 64.3% | $31,746 | 29.3% | $4,918 | 12.1% |
| 89 | Grand Rapids, MI | $29,450 | 98.5% | $5,198 | 91.2% | $17,552 | 60.0% | $27,879 | 34.1% | $6,655 | 14.6% |
| 90 | Harrisburg, PA | $29,345 | 97.7% | $6,276 | 91.7% | $19,567 | 62.2% | $30,740 | 26.3% | $4,472 | 13.4% |
| 91 | Boston, MA | $29,296 | 99.0% | $7,151 | 96.2% | $19,599 | 55.2% | $28,901 | 23.2% | $6,397 | 10.5% |
| 92 | Toledo, OH | $28,920 | 99.1% | $5,263 | 92.6% | $18,444 | 63.0% | $39,818 | 24.8% | $4,606 | 12.6% |
| 93 | New York, NY | $28,384 | 98.7% | $7,922 | 95.1% | $20,006 | 49.7% | $31,331 | 20.6% | $6,506 | 11.5% |
| 94 | Madison, WI | $28,328 | 98.3% | $4,956 | 94.3% | $22,637 | 57.8% | $33,302 | 21.7% | $4,592 | 15.2% |
| 95 | Albany, NY | $28,281 | 98.5% | $5,978 | 93.6% | $19,390 | 59.6% | $28,673 | 24.4% | $6,968 | 13.4% |
| 96 | Milwaukee, WI | $28,140 | 98.5% | $5,961 | 90.8% | $20,276 | 59.7% | $33,486 | 25.2% | $2,877 | 14.7% |
| 97 | Scranton, PA | $27,820 | 98.2% | $4,928 | 92.4% | $21,004 | 60.6% | $28,117 | 26.7% | $8,288 | 14.4% |
| 98 | San Jose, CA | $27,036 | 97.4% | $7,212 | 95.3% | $25,162 | 47.2% | $40,470 | 12.0% | $8,961 | 10.7% |
| 99 | San Francisco, CA | $25,691 | 98.6% | $6,967 | 96.0% | $22,281 | 49.0% | $37,018 | 15.6% | $5,706 | 8.6% |
| 100 | Springfield, MA | $23,845 | 97.7% | $4,944 | 90.9% | $15,278 | 57.7% | $19,477 | 22.5% | $7,266 | 11.1% |
| N/A | 100-metro median | $33,859 | 98.7% | $6,255 | 92.5% | $23,260 | 61.2% | $31,066 | 25.4% | $5,063 | 14.5% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Where baby boomers carry the most non-mortgage debt
| Rank | Metro | Median non-mortgage debt | % with non-mortgage debt | Median credit card debt | % with credit card debt | Median auto debt | % with auto debt | Median student loan debt | % with student loan debt | Median personal loan debt | % with personal loan debt |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | McAllen, TX | $33,020 | 99.5% | $5,062 | 92.2% | $27,973 | 62.2% | $12,635 | 8.3% | $3,083 | 23.5% |
| 2 | Augusta, GA | $29,754 | 97.0% | $4,311 | 90.4% | $22,092 | 52.5% | $30,662 | 13.6% | $6,208 | 17.2% |
| 3 | San Antonio, TX | $28,524 | 98.1% | $5,995 | 91.0% | $23,941 | 53.9% | $15,917 | 12.5% | $4,105 | 18.1% |
| 4 | Austin, TX | $26,686 | 98.5% | $6,202 | 94.9% | $22,894 | 54.2% | $19,552 | 10.3% | $4,494 | 14.8% |
| 5 | Dallas, TX | $25,965 | 98.0% | $6,292 | 92.9% | $22,962 | 51.1% | $33,994 | 11.9% | $4,576 | 15.1% |
| 6 | Little Rock, AR | $25,143 | 97.8% | $5,029 | 93.2% | $25,204 | 54.5% | $24,472 | 8.8% | $4,283 | 15.1% |
| 7 | Cape Coral, FL | $25,046 | 97.8% | $5,563 | 95.0% | $22,091 | 58.1% | $24,573 | 8.8% | $4,909 | 7.7% |
| 8 | Columbia, SC | $24,491 | 97.2% | $4,791 | 90.3% | $21,054 | 49.9% | $22,763 | 13.0% | $5,027 | 19.2% |
| 9 | El Paso, TX | $23,903 | 98.4% | $4,786 | 93.4% | $24,008 | 50.5% | $18,447 | 11.7% | $5,396 | 22.1% |
| 10 | Deltona, FL | $23,691 | 97.7% | $4,998 | 93.8% | $22,088 | 53.1% | $19,750 | 9.1% | $6,551 | 11.8% |
| 11 | Baton Rouge, LA | $23,265 | 98.7% | $4,515 | 91.4% | $22,644 | 50.4% | $14,452 | 9.9% | $4,993 | 17.2% |
| 12 | Orlando, FL | $23,164 | 98.3% | $5,381 | 94.8% | $22,405 | 50.5% | $30,145 | 8.7% | $6,621 | 12.0% |
| 13 | Oklahoma City, OK | $23,127 | 98.1% | $5,203 | 89.8% | $21,679 | 55.1% | $21,058 | 10.2% | $4,288 | 18.1% |
| 14 | Jacksonville, FL | $22,858 | 97.7% | $5,986 | 94.3% | $22,898 | 49.9% | $31,775 | 10.0% | $4,863 | 11.6% |
| 15 | Charleston, SC | $22,835 | 98.4% | $5,540 | 92.1% | $18,614 | 51.9% | $47,753 | 12.9% | $5,729 | 16.7% |
| 16 | Albuquerque, NM | $22,178 | 96.6% | $4,681 | 91.8% | $21,923 | 50.0% | $41,155 | 10.0% | $5,177 | 17.2% |
| 17 | Jackson, MS | $22,085 | 96.9% | $4,361 | 88.5% | $18,686 | 47.3% | $20,673 | 14.2% | $4,421 | 17.7% |
| 18 | Riverside, CA | $21,645 | 96.8% | $5,527 | 93.0% | $20,837 | 49.1% | $37,953 | 9.9% | $6,173 | 11.0% |
| 19 | Memphis, TN | $21,314 | 96.9% | $5,197 | 92.5% | $23,554 | 46.1% | $25,780 | 13.2% | $4,183 | 16.1% |
| 20 | Stockton, CA | $21,215 | 95.9% | $4,902 | 90.9% | $19,526 | 40.7% | $49,780 | 8.7% | $8,033 | 11.6% |
| 21 | Houston, TX | $21,211 | 98.0% | $5,593 | 93.7% | $22,777 | 44.9% | $32,237 | 11.3% | $4,252 | 13.8% |
| 22 | Tampa, FL | $20,924 | 98.1% | $5,584 | 94.8% | $20,294 | 47.2% | $28,962 | 9.6% | $4,982 | 12.3% |
| 23 | Greenville, SC | $20,920 | 98.0% | $5,187 | 90.5% | $19,759 | 45.9% | $24,009 | 8.6% | $5,687 | 17.7% |
| 24 | Harrisburg, PA | $20,903 | 98.0% | $4,286 | 94.1% | $15,721 | 53.9% | $19,808 | 8.8% | $4,898 | 10.8% |
| 25 | Birmingham, AL | $20,826 | 98.0% | $4,168 | 90.5% | $20,605 | 49.9% | $26,678 | 11.4% | $4,151 | 14.8% |
| 26 | Raleigh, NC | $20,715 | 98.0% | $4,927 | 94.0% | $17,950 | 49.4% | $33,540 | 12.8% | $4,962 | 12.8% |
| 27 | Bridgeport, CT | $20,633 | 99.0% | $6,071 | 97.2% | $14,835 | 53.1% | $38,650 | 17.4% | $6,504 | 7.4% |
| 28 | Provo, UT | $20,562 | 97.5% | $4,509 | 90.6% | $20,863 | 50.3% | $14,872 | 11.3% | $8,250 | 8.8% |
| 29 | Scranton, PA | $20,544 | 98.0% | $4,826 | 94.0% | $21,269 | 53.0% | $21,325 | 14.1% | $6,416 | 14.8% |
| 30 | Des Moines, IA | $20,491 | 98.2% | $4,623 | 93.9% | $21,588 | 46.9% | $26,932 | 13.2% | $7,840 | 9.2% |
| 31 | North Port, FL | $20,471 | 97.7% | $5,683 | 95.2% | $19,635 | 52.3% | $27,660 | 8.4% | $6,426 | 9.2% |
| 32 | Miami, FL | $20,342 | 98.1% | $6,012 | 95.2% | $19,394 | 51.4% | $25,350 | 9.8% | $5,357 | 10.0% |
| 33 | Las Vegas, NV | $20,329 | 97.9% | $5,382 | 93.8% | $21,930 | 44.2% | $19,203 | 9.5% | $3,884 | 11.7% |
| 34 | Durham, NC | $20,224 | 96.4% | $4,340 | 91.6% | $20,491 | 47.1% | $20,315 | 11.7% | $4,964 | 13.3% |
| 35 | New Orleans, LA | $20,178 | 97.9% | $5,053 | 91.6% | $19,239 | 46.7% | $29,155 | 10.6% | $4,908 | 15.4% |
| 36 | Atlanta, GA | $20,081 | 98.0% | $5,070 | 93.2% | $21,095 | 46.2% | $39,656 | 15.4% | $5,369 | 12.5% |
| 37 | Lakeland, FL | $20,028 | 97.6% | $5,157 | 93.3% | $21,682 | 53.5% | $24,617 | 6.7% | $5,080 | 13.7% |
| 38 | Worcester, MA | $19,975 | 97.6% | $4,550 | 95.3% | $17,122 | 54.9% | $24,161 | 13.5% | $3,804 | 11.1% |
| 39 | Richmond, VA | $19,857 | 97.3% | $5,596 | 92.0% | $19,947 | 45.3% | $25,746 | 12.3% | $5,206 | 14.5% |
| 40 | Baltimore, MD | $19,842 | 98.3% | $5,403 | 95.0% | $19,754 | 47.9% | $26,898 | 14.6% | $5,911 | 10.5% |
| 41 | Fresno, CA | $19,760 | 94.1% | $6,215 | 90.1% | $19,297 | 48.8% | $31,808 | 7.9% | $3,632 | 11.3% |
| 42 | Wichita, KS | $19,471 | 97.8% | $4,850 | 91.8% | $20,438 | 52.7% | $22,290 | 13.2% | $3,910 | 14.8% |
| 43 | Poughkeepsie, NY | $19,448 | 97.6% | $5,498 | 94.4% | $18,472 | 47.5% | $39,573 | 13.9% | $6,573 | 11.8% |
| 44 | Charlotte, NC | $19,369 | 98.1% | $4,819 | 92.2% | $19,994 | 47.9% | $30,643 | 12.7% | $5,847 | 12.5% |
| 45 | Nashville, TN | $19,146 | 98.1% | $4,327 | 91.9% | $20,485 | 48.1% | $27,794 | 10.9% | $4,036 | 12.6% |
| 46 | Virginia Beach, VA | $19,105 | 98.1% | $4,873 | 92.0% | $17,348 | 45.3% | $25,333 | 11.2% | $5,044 | 12.9% |
| 47 | Albany, NY | $19,005 | 97.5% | $4,405 | 94.4% | $17,015 | 55.1% | $26,118 | 12.5% | $6,713 | 11.5% |
| 48 | Detroit, MI | $18,895 | 97.7% | $4,352 | 93.0% | $15,965 | 55.9% | $27,640 | 11.3% | $4,039 | 9.8% |
| 49 | Washington, DC | $18,886 | 98.0% | $5,225 | 94.4% | $20,643 | 42.0% | $35,537 | 13.5% | $5,916 | 9.8% |
| 50 | Philadelphia, PA | $18,792 | 97.8% | $4,836 | 93.1% | $16,095 | 48.9% | $32,146 | 14.9% | $6,477 | 9.6% |
| 51 | Tulsa, OK | $18,765 | 97.7% | $4,472 | 89.6% | $20,889 | 46.0% | $23,243 | 11.3% | $5,064 | 16.9% |
| 52 | Palm Bay, FL | $18,723 | 98.6% | $5,190 | 96.6% | $19,020 | 50.2% | $24,904 | 6.8% | $5,547 | 12.9% |
| 53 | Bakersfield, CA | $18,613 | 96.6% | $5,173 | 93.2% | $22,811 | 45.9% | $21,972 | 10.6% | $4,468 | 12.6% |
| 54 | Pittsburgh, PA | $18,603 | 97.6% | $3,986 | 92.7% | $17,027 | 57.2% | $25,008 | 14.3% | $5,153 | 10.4% |
| 55 | Columbus, OH | $18,338 | 95.4% | $4,245 | 90.1% | $19,629 | 48.0% | $34,908 | 12.4% | $5,982 | 10.0% |
| 56 | Los Angeles, CA | $18,244 | 96.9% | $5,513 | 93.3% | $19,269 | 42.6% | $26,610 | 9.4% | $6,897 | 8.5% |
| 57 | New Haven, CT | $18,205 | 97.6% | $5,462 | 96.3% | $11,915 | 48.1% | $15,397 | 17.1% | $5,498 | 8.8% |
| 58 | Rochester, NY | $18,188 | 97.6% | $4,585 | 94.1% | $15,962 | 55.3% | $25,277 | 10.2% | $7,148 | 9.4% |
| 59 | Phoenix, AZ | $18,063 | 97.4% | $5,061 | 93.4% | $20,394 | 45.5% | $23,114 | 10.2% | $6,071 | 9.5% |
| 60 | Tucson, AZ | $17,922 | 97.1% | $4,840 | 93.8% | $19,802 | 40.8% | $19,282 | 10.2% | $7,145 | 11.0% |
| 61 | Toledo, OH | $17,751 | 97.7% | $3,983 | 91.7% | $17,730 | 48.8% | $17,853 | 13.0% | $5,508 | 12.0% |
| 62 | Syracuse, NY | $17,716 | 97.3% | $4,518 | 93.1% | $17,045 | 56.6% | $31,940 | 10.8% | $5,765 | 11.4% |
| 63 | Dayton, OH | $17,558 | 97.1% | $4,228 | 93.5% | $16,398 | 47.6% | $25,891 | 13.4% | $3,682 | 10.1% |
| 64 | Cleveland, OH | $17,466 | 97.9% | $4,070 | 92.2% | $16,490 | 51.5% | $28,633 | 10.3% | $4,808 | 10.8% |
| 65 | Omaha, NE | $17,359 | 97.2% | $4,789 | 93.3% | $18,217 | 47.4% | $25,080 | 11.3% | $6,941 | 10.8% |
| 66 | Indianapolis, IN | $17,318 | 98.0% | $4,314 | 91.5% | $18,284 | 47.3% | $19,651 | 13.3% | $4,067 | 8.9% |
| 67 | New York, NY | $17,203 | 97.7% | $5,761 | 94.9% | $16,858 | 42.7% | $31,759 | 12.3% | $7,298 | 8.0% |
| 68 | San Diego, CA | $17,193 | 96.9% | $5,090 | 93.1% | $20,969 | 42.9% | $24,949 | 8.9% | $6,299 | 8.6% |
| 69 | Buffalo, NY | $17,098 | 98.3% | $4,483 | 93.7% | $15,212 | 53.6% | $19,585 | 14.0% | $4,810 | 8.9% |
| 70 | Winston-Salem, NC | $16,956 | 98.9% | $4,081 | 93.0% | $19,224 | 43.9% | $32,211 | 10.4% | $5,545 | 17.2% |
| 71 | Denver, CO | $16,953 | 97.7% | $5,084 | 95.0% | $21,486 | 40.1% | $30,756 | 10.1% | $7,282 | 8.8% |
| 72 | Colorado Springs, CO | $16,941 | 96.6% | $4,295 | 93.3% | $17,409 | 43.3% | $22,071 | 8.2% | $8,325 | 11.2% |
| 73 | Cincinnati, OH | $16,814 | 97.6% | $4,253 | 93.4% | $17,664 | 49.8% | $25,851 | 11.5% | $4,966 | 11.5% |
| 74 | Kansas City, MO | $16,657 | 97.6% | $5,138 | 93.0% | $17,404 | 44.1% | $20,230 | 11.9% | $5,572 | 8.2% |
| 75 | Chicago, IL | $16,578 | 97.0% | $5,073 | 92.6% | $18,083 | 43.2% | $30,204 | 13.1% | $5,201 | 10.6% |
| 76 | Honolulu, HI | $16,367 | 97.0% | $5,050 | 92.4% | $19,527 | 29.9% | $36,700 | 8.3% | $12,676 | 9.3% |
| 77 | Akron, OH | $16,225 | 96.8% | $3,175 | 92.1% | $15,790 | 48.7% | $23,224 | 11.8% | $3,622 | 10.3% |
| 78 | Madison, WI | $16,211 | 99.0% | $4,958 | 91.3% | $15,108 | 50.0% | $9,853 | 10.6% | $6,631 | 10.6% |
| 79 | Oxnard, CA | $16,085 | 97.8% | $5,250 | 94.5% | $20,414 | 40.4% | $30,650 | 9.1% | $7,056 | 5.8% |
| 80 | Allentown, PA | $15,988 | 97.5% | $4,533 | 94.3% | $15,419 | 51.9% | $30,235 | 12.7% | $6,949 | 10.2% |
| 81 | St. Louis, MO | $15,967 | 98.0% | $3,962 | 93.9% | $16,997 | 46.5% | $30,424 | 8.9% | $5,133 | 12.2% |
| 82 | Greensboro, NC | $15,892 | 97.3% | $3,841 | 90.2% | $18,298 | 46.7% | $14,865 | 10.4% | $2,809 | 10.4% |
| 83 | Hartford, CT | $15,277 | 98.1% | $4,427 | 96.4% | $15,191 | 45.2% | $30,974 | 15.2% | $5,388 | 10.4% |
| 84 | Grand Rapids, MI | $15,234 | 99.3% | $4,076 | 97.8% | $14,857 | 50.7% | $20,134 | 15.7% | $5,653 | 11.2% |
| 85 | Sacramento, CA | $15,216 | 95.9% | $4,538 | 91.7% | $19,880 | 42.4% | $25,411 | 9.4% | $4,179 | 9.2% |
| 86 | Providence, RI | $15,186 | 97.4% | $4,966 | 94.4% | $14,306 | 45.4% | $22,891 | 10.9% | $6,038 | 9.9% |
| 87 | Knoxville, TN | $15,052 | 96.9% | $3,363 | 91.0% | $20,453 | 46.9% | $14,441 | 6.6% | $3,157 | 18.8% |
| 88 | Salt Lake City, UT | $15,012 | 95.9% | $4,383 | 91.8% | $25,400 | 46.4% | $40,556 | 5.0% | $5,169 | 9.3% |
| 89 | Boston, MA | $14,934 | 97.4% | $4,909 | 94.4% | $16,685 | 43.0% | $28,455 | 15.8% | $4,102 | 9.4% |
| 90 | Seattle, WA | $14,574 | 97.2% | $4,897 | 93.5% | $19,004 | 38.9% | $14,177 | 7.8% | $6,877 | 10.4% |
| 91 | Louisville, KY | $14,204 | 97.1% | $4,664 | 91.4% | $17,467 | 40.1% | $26,282 | 11.3% | $5,340 | 11.7% |
| 92 | Spokane, WA | $14,156 | 96.3% | $5,032 | 90.6% | $18,490 | 41.3% | $33,616 | 11.3% | $7,221 | 10.0% |
| 93 | Milwaukee, WI | $14,068 | 97.0% | $3,738 | 93.0% | $16,588 | 42.8% | $19,278 | 11.7% | $3,178 | 10.9% |
| 94 | Portland, OR | $13,709 | 95.6% | $4,496 | 92.0% | $18,640 | 38.9% | $33,404 | 10.0% | $7,500 | 8.5% |
| 95 | San Francisco, CA | $13,656 | 96.7% | $5,207 | 94.3% | $19,317 | 35.1% | $37,813 | 8.6% | $6,527 | 7.8% |
| 96 | San Jose, CA | $13,205 | 97.8% | $4,966 | 94.1% | $21,381 | 36.5% | $23,314 | 6.5% | $7,505 | 6.5% |
| 97 | Springfield, MA | $13,011 | 95.1% | $3,195 | 89.2% | $14,185 | 52.0% | $18,554 | 12.7% | $5,962 | 9.8% |
| 98 | Minneapolis, MN | $12,997 | 96.6% | $4,173 | 93.7% | $16,179 | 42.0% | $19,966 | 13.5% | $5,391 | 8.5% |
| 99 | Ogden, UT | $12,893 | 95.1% | $4,503 | 87.7% | $20,741 | 38.9% | $26,994 | 3.9% | $2,060 | 9.4% |
| 100 | Boise, ID | $12,712 | 96.0% | $4,159 | 90.9% | $20,728 | 40.1% | $40,670 | 8.3% | $4,825 | 10.3% |
| N/A | 100-metro median | $18,779 | 97.7% | $4,862 | 93.1% | $19,526 | 47.7% | $25,763 | 11.2% | $5,363 | 11.1% |
Source: LendingTree analysis of about 428,000 anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.
Methodology
Analysts used 428,128 anonymized credit reports from LendingTree users who live in the 100 largest metropolitan statistical areas (“MSAs”) to calculate the following, aggregated by generation and MSA:
- Median non-mortgage debt balances regardless of whether a user had any debt
- Percentage of users with any debt or debt of a specific type
- Median balances for those with active balances for those debt types
The credit reports are from Oct. 1, 2023, through March 31, 2024. Non-mortgage debt includes credit card, auto loan, student loan, personal loan and other debts.
We defined generations as the following ages in 2024:
- Generation Z: born after 1996; ages 18 to 27
- Millennials: born between 1981 and 1996; ages 28 to 43
- Generation X: born between 1965 and 1980; ages 44 to 59
- Baby boomers: born between 1946 and 1964; ages 60 to 78
Data also includes the final quarter of 2023, which means that all age groups were one year younger in 2023.