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Americans in 100 Largest Metros Carry Median of $18,762 in Non-Mortgage Debt — Here’s a Breakdown by Generation

Maggie Davis
Written by Maggie Davis
Dan Shepard
Edited by Dan Shepard
Updated on: June 16, 2025 Content was accurate at the time of publication.
We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our editorial guidelines here.

Credit cards and loans, when managed effectively, can be powerful assets in your financial tool kit. However, the burden of debt can escalate quickly — and factors like age or location can play a big role in how you tackle your debt.

Researchers analyzed over 500,000 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 generations analyzed, the median non-mortgage debt in the 100 largest metros is $18,762. That’s down 23.9% from $24,668 last year. Gen Xers in these metros have the highest median debt at $26,207 — more than double that of Gen Zers ($12,715). Baby boomers saw the largest year-over-year decline (45.3%).
  • Gen Xers in El Paso, Texas, have the highest median non-mortgage debt. The median balance in El Paso for this age group is $40,709. McAllen, Texas, millennials and baby boomers have the highest median debt at $36,043 and $23,045, respectively. And North Port, Fla., Gen Zers have the highest median balance ($20,021).
  • Credit card debt is prevalent across generations. In the 100 largest metros, the percentage of those with credit card debt ranges from 70.2% of Gen Zers to 92.6% of baby boomers. Gen Xers in Bridgeport, Conn., carry the most card debt at a median of $8,656. Bridgeport also ranks first for card debt among baby boomers and millennials.
  • Over half (51.5%) of Gen Xers carry auto loan debt, with a median balance of $23,350. Millennials aren’t far behind, with 49.1% holding auto loans at a median balance of $21,233. McAllen has the highest auto debt among all generations, with millennials leading the way with a median balance of $31,236.
  • Gen Zers are the most likely to have student loan debt, but Gen Xers carry the biggest burden. 38.1% of Gen Zers have student loans, though their median balance is the lowest at just $13,391. In contrast, only 22.5% of Gen Xers hold student debt, but they owe the most, with a median balance of $33,988.
  • Baby boomers have the highest personal loan balances, at a median of $10,208. However, baby boomers also have the lowest percentage with personal loans, at 17.5%. In contrast, millennials have the highest rate of personal loans at 27.8%.

Smart money management is about prioritization. Spend on what matters most, and don’t spend on what doesn’t.

Matt Schulz Profile Image
Matt Schulz
LendingTree chief consumer finance analyst

Americans owe a median of $18,762 in non-mortgage debt

In the largest 100 metros, the median non-mortgage debt across all four generations analyzed is $18,762. Last year, that figure was $24,668, meaning non-mortgage debt has fallen 23.9%. 

Matt Schulz — LendingTree chief consumer finance analyst and author of “Ask Questions, Save Money, Make More: How to Take Control of Your Financial Life” — says that’s a significant decrease. 

“I think it’s a further sign that people are being cautious and looking to firm up their financial foundation amid all the economic uncertainty we’re facing today,” he says. “They’re trying to focus on paying down high-interest debt and building their emergency fund. With that in mind, they may choose to put off bigger-ticket purchases such as cars and kitchen appliances.”

Gen Xers ages 45 to 60 have the highest median debt at $26,207, though that’s down 22.6% from $33,859 last year. Following that: 

  • Millennials ages 29 to 44: $24,810, down 18.8% from $30,558 
  • Gen Zers ages 18 to 28: $12,715, down 23.2% from $16,562
  • Baby boomers ages 61 to 79: $10,272, down 45.3% from $18,779

Gen Zers (95.1%) have the lowest percentage with non-mortgage debt, while Gen Xers (97.5%) have the highest. Gen Xers also have the highest median debt in three categories: credit cards, auto loans and student loans. Meanwhile, baby boomers have the highest median personal loan debt.

Let’s break that down by generation.

How Gen Z debt breaks down

North Port, Fla., Gen Zers have the highest median non-mortgage debt. Here, the youngest adult generation owes a median of $20,021.

Across the 100 largest metros, Gen Zers owe just $12,715. With 95.1% of Gen Zers owing non-mortgage debt, they’re also the least likely to have it.

By debt type, 70.2% of Gen Zers in the largest 100 metros owe just $1,774 in credit card debt — the lowest for the amount owed and percentage with debt by generation. Three of the five metros where Gen Zers have the highest median credit card debt are in Florida, led by North Port at $3,109. 

Note

Unlike our overall look at non-mortgage debt, our by-type median balance data excludes users without that debt.

Where Gen Zers have highest median credit card debt

MetroMedian balance% with debt
North Port, FL$3,10977.4%
Deltona, FL$2,72971.8%
Colorado Springs, CO$2,65071.7%
Spokane, WA$2,57469.8%
Jacksonville, FL$2,56666.3%
100-metro median
$1,77470.2%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

McAllen, Texas, ranks first for auto loan debt, with Gen Zers here owing a median balance of $27,305. That compares with $18,320 across the 100 largest metros. In total, 37.9% of Gen Zers in the 100 largest metros have auto loan debt.

Where Gen Zers have highest median auto loan debt

MetroMedian balance% with debt
McAllen, TX$27,30540.7%
El Paso, TX$24,97048.2%
Deltona, FL$24,13234.2%
Las Vegas, NV$22,15237.8%
North Port, FL$22,09948.4%
100-metro median$18,32037.9%
Source: LendingTree analysis of 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 the most likely generation to owe this type of debt, at 38.1%. However, their median balance is just $13,391 — the lowest by age group. That figure rises to $24,685 in Pittsburgh.

Schulz believes this is simply because of where Gen Zers are in life. “They’re still young, not far removed from being in college and not yet earning enough money to put a major dent in their student loan debt,” he says.

Where Gen Zers have highest median student loan debt

MetroMedian balance% with debt
Pittsburgh, PA$24,68543.6%
Worcester, MA$22,53441.9%
Boston, MA$22,02943.1%
Washington, DC$21,12939.6%
Allentown, PA$21,06539.3%
100-metro median$13,39138.1%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Meanwhile, 20.8% of Gen Zers owe personal loan debt — the second-lowest by generation. Across the 100 largest metros, Gen Zers owe $2,723 in personal loan debt — significantly lower than the median across the other three age groups. In Albany, N.Y., that figure is $6,522.

Where Gen Zers have highest median personal loan debt

MetroMedian balance% with debt
Albany, NY$6,52220.2%
Honolulu, HI$6,00223.4%
Allentown, PA$5,94117.2%
Pittsburgh, PA$5,75719.7%
Syracuse, NY$5,49120.2%
100-metro median$2,72320.8%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

How millennial debt breaks down

Across the 100 largest metros, millennials owe a median of $24,810, the second-highest by generation. That figure is highest in McAllen, at $36,043.

Moving to credit card debt, millennials owe a median of $4,019. In Bridgeport, Conn., where median credit card debt is highest, they owe $5,470.

Where millennials have highest median credit card debt

MetroMedian balance% with debt
Bridgeport, CT$5,47089.1%
Oxnard, CA$5,36586.1%
Worcester, MA$5,04585.5%
North Port, FL$5,02782.0%
Providence, RI$4,95683.0%
100-metro median$4,01978.7%
Source: LendingTree analysis of 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 49.1% owing a median balance of $21,233. Those in McAllen owe the most across all millennials, with a median auto loan balance of $31,236.

Where millennials have highest median auto loan debt

MetroMedian balance% with debt
McAllen, TX$31,23661.6%
El Paso, TX$27,05957.7%
Houston, TX$25,56649.7%
San Antonio, TX$25,31855.9%
Knoxville, TN$24,53755.1%
100-metro median$21,23349.1%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Meanwhile, millennials are the second most likely group to have student loan debt, at 37.0%. Still, their median balance is $25,485 (behind Gen Xers and baby boomers). In Durham, N.C., where that figure is highest, millennials owe a median of $38,862.

Where millennials have highest median student loan debt

MetroMedian balance% with debt
Durham, NC$38,86234.6%
Akron, OH$34,46538.7%
Washington, DC$33,92037.5%
Toledo, OH$33,80845.0%
Minneapolis, MN$32,24138.3%
100-metro median$25,48537.0%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Millennials have the highest rate of personal loans at 27.8%, though they owe just $6,212 — the second-lowest behind Gen Zers. Millennials owe the highest personal loan balances in Honolulu, at a median of $11,029.

Where millennials have highest median personal loan debt

MetroMedian balance% with debt
Honolulu, HI$11,02933.6%
Madison, WI$10,20224.6%
Fresno, CA$9,82530.8%
Colorado Springs, CO$9,80730.6%
Minneapolis, MN$9,62625.4%
100-metro median$6,21227.8%
Source: LendingTree analysis of 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 El Paso, Texas, have the highest non-mortgage debt, at a median balance of $40,709. Notably, three of the five metros where Gen Xers owe the most are in Texas. Across the 100 metros, Gen Xers owe a median of $26,207 — also the highest by generation.

Gen Xers hold the highest median credit card debt, with those in Bridgeport owing a median of $8,656. Across Gen Xers in the largest 100 metros, that figure is $6,057.

Where Gen Xers have highest median credit card debt

MetroMedian balance% with debt
Bridgeport, CT$8,65694.1%
Fresno, CA$7,92386.3%
Miami, FL$7,58290.0%
Kiryas Joel, NY$7,56690.7%
Dallas, TX$7,32088.5%
100-metro median$6,05787.9%
Source: LendingTree analysis of 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 51.5%. They owe a median of $23,350 across the 100 metros — also the highest by generation.

Gen Xers in McAllen owe the most toward auto loans, with a median balance of $30,556.

Where Gen Xers have highest median auto loan debt

MetroMedian balance% with debt
McAllen, TX$30,55661.1%
San Antonio, TX$28,59759.1%
Augusta, GA$28,21757.3%
Baton Rouge, LA$28,00059.6%
El Paso, TX$27,47953.8%
100-metro median$23,35051.5%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

While just 22.5% of Gen Xers owe student loans, their median balance is $33,988 — the highest by generation. That rises to $49,264 in Lakeland, Fla.

Where Gen Xers have highest median student loan debt

MetroMedian balance% with debt
Lakeland, FL$49,26420.4%
Raleigh, NC$45,04922.4%
Atlanta, GA$44,95627.4%
Richmond, VA$43,75525.4%
Durham, NC$42,97721.2%
100-metro median$33,98822.5%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Moving to personal loan debt, 27.7% of Gen Xers have a balance, owing a median of $10,137. That places them closely behind baby boomers as the generation with the second-highest median balance across the 100 largest metros. In San Jose, Calif., that balance rises to $15,808.

Where Gen Xers have highest median personal loan debt

MetroMedian balance% with debt
San Jose, CA$15,80813.5%
Honolulu, HI$14,71928.8%
Denver, CO$14,64622.6%
Madison, WI$13,79624.2%
Minneapolis, MN$13,78123.9%
100-metro median$10,13727.7%
Source: LendingTree analysis of 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 second-highest median non-mortgage debt, owing $23,045. Overall, 97.0% of baby boomers in the largest 100 metros owe a balance of $10,272.

Baby boomers are the most likely to carry credit card debt, with 92.6% having a balance. They owe a median of $4,143 — a figure that rises to $6,057 in Bridgeport.

Where baby boomers have highest median credit card debt

MetroMedian balance% with debt
Bridgeport, CT$6,05795.6%
Miami, FL$6,02594.0%
Oxnard, CA$5,82994.0%
Riverside, CA$5,54990.9%
Cape Coral, FL$5,53193.4%
100-metro median$4,14392.6%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Schulz says those figures are troubling. 

“Even the youngest boomers are in their 60s now, well past their peak earning years and possibly even on a fixed income,” he says. “Carrying credit card debt can make a potentially difficult time even more challenging, but that’s the reality for millions of boomers across the country.”

Like all other generations analyzed, baby boomers in McAllen have the highest auto debt, owing a median of $27,883. Across the largest 100 metros, that figure is $18,910. Just 35.8% of baby boomers owe on auto loans — the lowest by generation.

Where baby boomers have highest median auto loan debt

MetroMedian balance% with debt
McAllen, TX$27,88346.4%
Knoxville, TN$25,20238.3%
Bakersfield, CA$24,38444.8%
Baton Rouge, LA$24,02445.5%
Lakeland, FL$23,95143.8%
100-metro median$18,91035.8%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Turning to student loan debt, 7.4% of baby boomers in the largest 100 metros owe $28,891. While they’re the least likely generation to owe this type of debt, their median balance is the second-highest. Baby boomers in Oxnard, Calif., owe the most, with a median student loan balance of $59,340 — higher than any other age group in any metro.

Where baby boomers have highest median student loan debt

MetroMedian balance% with debt
Oxnard, CA$59,3406.0%
Stockton, CA$48,6408.3%
Grand Rapids, MI$43,7716.6%
Chattanooga, TN$42,7926.9%
Lakeland, FL$39,8789.1%
100-metro median$28,8917.4%
Source: LendingTree analysis of 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 $10,208. That’s despite having the lowest percentage of those with personal loans, at 17.5%. In Spokane, Wash., baby boomers owe a staggering $20,584 in personal loan debt — also higher than any other age group in any metro.

Where baby boomers have highest median personal loan debt

MetroMedian balance% with debt
Spokane, WA$20,58414.8%
Honolulu, HI$15,28515.8%
San Jose, CA$14,8709.6%
Stockton, CA$14,74623.1%
Madison, WI$14,6618.5%
100-metro median$10,20817.5%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Full rankings

Where Gen Zers carry most non-mortgage debt

RankMetroMedian non-mortgage debt% with non-mortgage debtMedian credit card debt% with credit card debtMedian auto loan debt% with auto loan debtMedian student loan debt% with student loan debtMedian personal loan debt% with personal loan debt
1North Port, FL$20,02198.7%$3,10977.4%$22,09948.4%$11,75534.0%$3,13724.5%
2El Paso, TX$19,55294.1%$1,77269.8%$24,97048.2%$12,45940.1%$2,11432.4%
3Charleston, SC$19,19494.2%$2,38169.9%$20,11444.7%$15,57345.1%$3,41724.8%
4San Antonio, TX$16,88196.9%$1,95569.1%$19,51445.9%$10,40837.0%$2,35027.6%
5Pittsburgh, PA$16,54296.0%$2,07875.1%$17,68042.9%$24,68543.6%$5,75719.7%
6Knoxville, TN$16,19693.6%$2,30155.6%$20,82451.9%$10,00236.9%$2,27031.6%
7Worcester, MA$15,82596.8%$2,32081.9%$14,30246.5%$22,53441.9%$3,80120.6%
8Bridgeport, CT$15,79696.5%$2,48781.2%$16,57732.4%$20,85144.2%$3,62512.4%
9Colorado Springs, CO$15,75296.2%$2,65071.7%$19,13147.6%$10,87235.8%$3,55632.1%
10Buffalo, NY$15,11594.2%$1,67567.1%$15,35637.7%$15,63149.3%$4,71913.8%
11Grand Rapids, MI$15,11395.8%$1,80266.2%$14,16641.5%$20,64540.1%$2,89522.5%
12Nashville, TN$14,93394.0%$2,47764.1%$20,07440.3%$13,92338.1%$2,63026.7%
13Allentown, PA$14,84396.9%$1,72071.8%$19,11935.0%$21,06539.3%$5,94117.2%
14Baton Rouge, LA$14,61694.4%$1,20853.8%$21,00136.0%$12,42950.2%$1,69226.1%
15Boston, MA$14,47196.2%$2,12682.6%$16,77932.8%$22,02943.1%$3,12913.2%
16Raleigh, NC$14,37095.3%$1,60274.1%$18,49837.9%$17,14145.0%$2,13516.7%
17Phoenix, AZ$14,22295.8%$2,10472.0%$19,66544.8%$11,16433.1%$3,54121.4%
18Albany, NY$14,08094.6%$1,35374.7%$17,34739.0%$16,59843.8%$6,52220.2%
19Richmond, VA$14,03293.0%$1,53566.7%$17,50132.2%$19,56841.0%$3,89222.0%
20Greensboro, NC$14,02495.1%$1,84462.0%$17,22039.2%$14,41144.1%$2,71023.7%
21Honolulu, HI$14,01096.0%$2,35782.9%$20,79337.0%$12,86131.3%$6,00223.4%
22Syracuse, NY$13,97195.6%$1,66970.4%$15,24936.9%$17,39144.8%$5,49120.2%
23Scranton, PA$13,96992.4%$1,75069.5%$19,29737.1%$13,55940.0%$3,17221.9%
24Cape Coral, FL$13,96296.0%$1,76373.2%$19,95943.9%$12,23429.8%$2,33423.2%
25Greenville, SC$13,93093.6%$1,79762.4%$17,91837.2%$17,03541.6%$1,40019.2%
26Omaha, NE$13,89695.3%$1,62773.8%$17,26242.8%$12,57736.6%$3,78620.7%
27Augusta, GA$13,87396.4%$1,56160.4%$18,81234.5%$12,17239.6%$1,50128.1%
28Atlanta, GA$13,83394.7%$1,90969.8%$21,13133.1%$15,61442.9%$2,67917.6%
29McAllen, TX$13,81298.8%$1,53564.1%$27,30540.7%$8,64132.9%$1,80540.1%
30Cincinnati, OH$13,76594.6%$1,60470.3%$18,85140.8%$14,53437.1%$2,16020.2%
31Tampa, FL$13,68594.4%$1,80471.3%$20,82041.6%$12,27536.3%$2,86818.4%
32Virginia Beach, VA$13,68096.6%$1,74969.0%$17,16642.0%$16,58338.1%$2,55923.3%
33Little Rock, AR$13,65993.0%$1,69554.6%$19,88538.4%$13,59542.6%$2,46921.9%
34Albuquerque, NM$13,53496.4%$2,18268.0%$18,70845.7%$9,96225.8%$3,25431.3%
35Orlando, FL$13,44795.6%$2,32975.5%$18,92940.9%$11,83334.9%$2,32320.0%
36Des Moines, IA$13,43695.1%$1,43570.5%$15,66345.2%$13,92138.8%$3,17817.2%
37Dallas, TX$13,43595.3%$2,13370.1%$19,79339.0%$13,43037.3%$1,72022.1%
38Austin, TX$13,41595.8%$1,85475.5%$20,87838.0%$16,13833.3%$2,47921.0%
39Hartford, CT$13,34196.3%$1,59176.4%$17,05833.3%$13,78849.0%$4,36817.5%
40Oklahoma City, OK$13,31296.8%$1,14267.5%$17,32042.2%$12,28134.6%$2,60024.6%
41Harrisburg, PA$13,21694.1%$64666.7%$17,38437.3%$13,92845.1%$2,50317.6%
42Providence, RI$13,18596.3%$1,82175.7%$15,51538.1%$14,34147.1%$3,22420.5%
43New Haven, CT$13,15195.8%$1,53373.4%$15,25733.3%$14,27547.4%$2,81512.8%
44New Orleans, LA$13,14596.3%$1,53061.7%$19,35830.5%$12,11150.7%$2,44125.5%
45Akron, OH$13,06093.3%$1,48662.7%$15,55844.6%$13,35240.9%$2,51718.7%
46Tulsa, OK$13,01493.9%$1,60059.5%$17,18145.3%$9,93740.8%$2,41723.2%
47Jacksonville, FL$12,94793.6%$2,56666.3%$17,01638.5%$11,59937.0%$2,99322.0%
48Charlotte, NC$12,90095.7%$1,84368.4%$18,77335.2%$17,72139.2%$3,05222.2%
49Memphis, TN$12,75692.6%$1,27449.3%$18,73433.5%$14,30144.4%$1,56024.7%
50Toledo, OH$12,72894.1%$1,17265.6%$12,72739.2%$13,19248.4%$4,07621.5%
51Denver, CO$12,70194.7%$1,88878.6%$18,41338.2%$17,39832.6%$5,11014.4%
52Miami, FL$12,58695.4%$2,42577.7%$20,13437.8%$11,93231.0%$2,28519.1%
53Indianapolis, IN$12,46494.6%$1,21167.1%$17,06740.3%$11,44638.9%$2,17318.8%
54Jackson, MS$12,45993.3%$87652.2%$19,35736.2%$11,17948.5%$1,05526.5%
55Washington, DC$12,37195.6%$1,79278.3%$19,17629.5%$21,12939.6%$2,67513.2%
56Philadelphia, PA$12,33194.0%$1,67971.9%$16,97230.5%$15,80344.2%$2,89217.2%
57Chicago, IL$12,32194.4%$1,98073.7%$17,27834.2%$15,04339.6%$2,56217.8%
58Columbia, SC$12,11092.6%$1,61061.7%$18,28932.4%$15,39650.4%$1,59219.1%
59Houston, TX$12,10695.0%$1,90769.9%$20,92135.8%$12,58233.6%$1,97123.7%
60Birmingham, AL$12,09095.3%$1,28060.8%$18,90935.2%$14,16038.7%$1,64124.2%
61Las Vegas, NV$12,05795.0%$1,99874.2%$22,15237.8%$9,38731.7%$2,33021.0%
62Boise, ID$11,93896.4%$1,40472.7%$17,21045.8%$9,59028.1%$4,65425.4%
63St. Louis, MO$11,86894.2%$1,34964.5%$16,99536.3%$14,87738.2%$2,09418.8%
64Detroit, MI$11,78994.1%$1,67467.9%$14,47036.8%$13,61444.4%$1,99318.7%
65Provo, UT$11,73496.5%$1,52482.4%$16,11045.8%$11,11122.2%$3,47322.2%
66Riverside, CA$11,72893.8%$1,85375.9%$21,19840.3%$11,30931.4%$2,94925.1%
67Bakersfield, CA$11,69492.8%$2,02373.1%$21,88543.7%$10,12925.1%$3,74521.6%
68Stockton, CA$11,63592.9%$2,46967.9%$17,17141.7%$12,47130.1%$3,23619.2%
69Baltimore, MD$11,59591.7%$1,75768.5%$19,89831.5%$14,99540.7%$3,50016.3%
70Columbus, OH$11,57995.5%$1,70269.9%$15,15439.6%$13,63640.6%$2,51318.8%
71Oxnard, CA$11,55596.6%$2,15181.5%$17,22535.3%$14,04625.2%$2,26926.1%
72Wichita, KS$11,36795.1%$1,04762.5%$16,24040.9%$10,86837.9%$2,17919.7%
73Louisville, KY$11,33290.7%$1,30756.7%$18,35038.5%$11,13437.1%$2,35721.3%
74Kansas City, MO$11,30393.5%$1,62866.4%$18,83137.2%$14,37235.2%$1,59019.8%
75Portland, OR$11,26895.1%$1,94476.6%$21,11133.2%$14,47833.8%$5,10018.8%
76San Diego, CA$11,22697.0%$2,07783.9%$17,70939.6%$9,80628.5%$3,65021.8%
77Lakeland, FL$11,13391.3%$1,90965.8%$19,05440.2%$13,33729.2%$2,69922.8%
78Cleveland, OH$11,06393.2%$1,40962.4%$16,17638.3%$11,94038.5%$1,44914.5%
79Deltona, FL$11,02094.6%$2,72971.8%$24,13234.2%$12,95530.2%$3,10724.2%
80Rochester, NY$10,99192.8%$1,23165.6%$17,36335.5%$11,87341.3%$2,97418.7%
81Kiryas Joel, NY$10,91395.6%$1,82673.8%$19,16233.5%$17,05243.1%$3,80523.0%
82Durham, NC$10,64595.9%$1,94674.9%$15,27727.7%$17,70241.0%$3,4589.7%
83Salt Lake City, UT$10,28994.9%$1,78277.3%$18,45641.9%$10,01324.3%$2,71423.7%
84Los Angeles, CA$10,26595.1%$2,15180.5%$18,79934.3%$12,77829.6%$3,07919.6%
85Sacramento, CA$10,22496.0%$1,85375.6%$16,50038.3%$12,02133.5%$2,10220.1%
86Palm Bay, FL$10,19895.0%$1,77574.2%$17,30045.8%$9,19826.7%$2,73220.8%
87Winston-Salem, NC$9,94288.5%$2,24763.0%$18,25736.5%$15,15433.9%$2,35422.4%
88Minneapolis, MN$9,76495.8%$1,40979.6%$15,02731.4%$15,33639.9%$3,33816.9%
89Spokane, WA$9,52791.9%$2,57469.8%$12,76539.5%$8,59132.6%$4,37122.1%
90Dayton, OH$9,49094.8%$1,54067.3%$16,68737.4%$9,84536.5%$1,99120.9%
91Ogden, UT$9,41093.6%$1,55973.3%$14,38048.6%$10,04922.6%$3,27919.6%
92Fresno, CA$8,93496.1%$1,94771.9%$20,69837.9%$7,68326.8%$1,85122.9%
93Tucson, AZ$8,86395.1%$1,48667.0%$16,96934.1%$10,85634.6%$2,74021.1%
94Chattanooga, TN$8,66594.4%$1,76160.2%$17,72731.5%$12,83741.7%$1,29225.0%
95Seattle, WA$8,48294.8%$1,92979.5%$18,63034.0%$14,27025.6%$4,88515.9%
96Milwaukee, WI$8,45493.9%$1,11765.0%$16,45331.4%$14,80843.5%$1,72416.8%
97New York, NY$7,97894.3%$2,16678.7%$18,78019.4%$15,72737.8%$3,43513.4%
98Madison, WI$7,53595.3%$1,31582.4%$15,52731.8%$14,21830.6%$1,47711.2%
99San Francisco, CA$7,36995.3%$2,42784.7%$18,60924.8%$12,97126.4%$3,31713.2%
100San Jose, CA$5,67096.1%$1,58691.0%$18,81828.1%$11,82719.9%$4,69011.0%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Where millennials carry most non-mortgage debt

RankMetroMedian non-mortgage debt% with non-mortgage debtMedian credit card debt% with credit card debtMedian auto loan debt% with auto loan debtMedian student loan debt% with student loan debtMedian personal loan debt% with personal loan debt
1McAllen, TX$36,04397.4%$4,52176.0%$31,23661.6%$17,00430.3%$5,11845.9%
2El Paso, TX$34,04698.4%$4,45477.9%$27,05957.7%$27,54738.9%$5,62744.5%
3San Antonio, TX$29,96598.0%$4,06376.1%$25,31855.9%$24,77936.0%$5,17533.3%
4Colorado Springs, CO$28,85296.0%$4,50279.1%$22,49353.0%$24,28437.0%$9,80730.6%
5Little Rock, AR$28,42395.6%$3,33069.7%$22,99751.1%$29,73644.9%$5,18428.4%
6Charleston, SC$28,35097.8%$4,07677.7%$21,10449.7%$31,14342.9%$4,40731.6%
7Houston, TX$28,30497.4%$4,06978.6%$25,56649.7%$27,03037.1%$5,00030.4%
8Spokane, WA$28,15097.8%$3,40481.3%$18,24850.0%$24,07642.1%$7,27632.0%
9Tampa, FL$28,14597.4%$4,40378.7%$23,09252.6%$25,91737.1%$6,31927.0%
10Cape Coral, FL$28,13796.7%$3,96280.5%$23,62754.6%$28,77331.7%$4,97027.4%
11Columbia, SC$28,11797.3%$3,25073.0%$19,83148.5%$32,22747.0%$3,58330.9%
12Memphis, TN$27,88396.2%$2,31066.0%$21,53647.6%$31,55345.7%$2,95535.0%
13Jackson, MS$27,83997.4%$2,46367.6%$19,87846.4%$29,59952.9%$3,59435.1%
14North Port, FL$27,74597.4%$5,02782.0%$24,47550.1%$25,55633.6%$8,30329.6%
15Augusta, GA$27,63897.9%$3,15672.3%$22,55145.5%$28,17545.8%$4,69634.6%
16Albuquerque, NM$27,59398.0%$3,97378.6%$22,67950.9%$24,50437.4%$7,72234.2%
17Atlanta, GA$27,45496.8%$3,96377.6%$21,60745.3%$31,67243.3%$5,00925.3%
18Jacksonville, FL$27,35196.6%$4,07077.3%$22,20251.5%$24,76639.9%$4,72730.2%
19Phoenix, AZ$27,28896.3%$4,29079.9%$24,29550.5%$23,13535.0%$7,49129.0%
20Knoxville, TN$27,18398.1%$3,01575.9%$24,53755.1%$26,37131.8%$6,69527.0%
21Baton Rouge, LA$26,97697.8%$3,31268.6%$24,14452.5%$24,58740.6%$5,59637.0%
22Syracuse, NY$26,59997.0%$3,91377.7%$20,95655.3%$21,87237.5%$8,38630.6%
23Scranton, PA$26,59096.1%$4,19674.6%$19,99750.4%$24,32141.4%$5,75429.3%
24Dallas, TX$26,55797.3%$4,39679.8%$23,77350.1%$26,51835.0%$5,00429.4%
25Riverside, CA$26,46397.3%$4,84478.8%$23,89251.2%$22,47332.1%$7,38632.2%
26Tulsa, OK$26,31297.6%$3,89270.1%$21,73852.2%$22,36340.5%$4,75033.5%
27New Orleans, LA$26,23397.0%$3,60170.3%$21,74743.1%$27,34744.2%$3,77233.4%
28Deltona, FL$26,17995.8%$4,49576.9%$24,08855.3%$23,48535.1%$5,66431.4%
29Pittsburgh, PA$26,17597.3%$4,07180.5%$18,43853.2%$28,72540.9%$9,19127.8%
30Virginia Beach, VA$26,02796.1%$3,66375.3%$21,06650.0%$25,06538.4%$4,71733.9%
31Greensboro, NC$26,00595.9%$2,52171.0%$20,17749.8%$28,69945.3%$5,51431.7%
32Raleigh, NC$25,96797.2%$4,09381.8%$21,75548.9%$29,32240.7%$5,99726.4%
33Winston-Salem, NC$25,92296.9%$3,53779.5%$22,44048.3%$27,06139.0%$5,20933.2%
34Miami, FL$25,89396.4%$4,68383.5%$22,04950.6%$26,23333.4%$5,55625.8%
35Palm Bay, FL$25,88497.7%$4,57680.5%$24,37351.6%$22,69140.6%$4,53928.9%
36Worcester, MA$25,81796.8%$5,04585.5%$18,32853.7%$28,29134.5%$7,40427.9%
37Cleveland, OH$25,73097.4%$3,61177.1%$19,13153.1%$30,06742.3%$4,67424.5%
38Allentown, PA$25,70397.9%$3,41981.0%$21,07252.9%$25,25135.9%$7,28424.9%
39Omaha, NE$25,53796.5%$4,44580.9%$20,57052.3%$26,83237.1%$7,27327.3%
40Austin, TX$25,47197.7%$4,48385.1%$22,83850.6%$23,63630.6%$5,16127.4%
41Charlotte, NC$25,45896.9%$3,66180.0%$21,62249.8%$30,43136.6%$5,55529.4%
42Harrisburg, PA$25,39996.8%$4,40677.3%$18,92755.7%$20,73237.9%$5,62633.0%
43Fresno, CA$25,32395.7%$4,70876.3%$23,31747.5%$16,44534.2%$9,82530.8%
44Dayton, OH$25,30596.1%$2,92474.5%$19,86948.8%$28,34641.3%$4,65230.8%
45Kiryas Joel, NY$25,13597.2%$4,85884.8%$20,66447.7%$27,32331.2%$8,33729.1%
46Oklahoma City, OK$25,03797.3%$3,49975.1%$23,38854.4%$23,18134.2%$3,81932.8%
47Akron, OH$24,98997.5%$3,84280.2%$17,12051.3%$34,46538.7%$4,71025.3%
48Baltimore, MD$24,91196.2%$4,15780.2%$22,12047.2%$26,48736.6%$8,33325.2%
49Columbus, OH$24,87796.7%$3,74779.6%$19,34551.4%$28,13839.1%$7,62723.9%
50Minneapolis, MN$24,84297.8%$3,98685.0%$19,87245.0%$32,24138.3%$9,62625.4%
51Albany, NY$24,77896.3%$3,90476.3%$18,43651.1%$22,74241.5%$6,51825.9%
52Toledo, OH$24,76396.6%$3,79472.0%$17,03347.4%$33,80845.0%$6,85430.0%
53Richmond, VA$24,68795.6%$3,58177.9%$19,87951.0%$28,54539.6%$5,64031.7%
54Indianapolis, IN$24,53597.7%$3,87877.6%$18,85449.5%$26,53140.9%$5,62226.9%
55Lakeland, FL$24,46096.3%$3,63275.8%$23,89150.4%$19,22834.7%$6,29031.6%
56Wichita, KS$24,44196.7%$3,40071.4%$19,18248.0%$25,93944.8%$5,05528.0%
57Nashville, TN$24,42498.3%$3,90176.2%$21,89049.3%$25,41335.7%$6,13428.2%
58Des Moines, IA$24,36896.8%$4,40382.6%$22,08751.3%$27,01836.2%$8,29525.3%
59Bridgeport, CT$24,36598.3%$5,47089.1%$18,74147.4%$28,18033.8%$9,29321.3%
60Boise, ID$24,31796.9%$3,74179.2%$20,50049.1%$23,17636.4%$7,06428.4%
61New Haven, CT$24,23897.9%$4,10983.8%$19,65048.9%$21,66740.5%$6,51423.8%
62Orlando, FL$24,21496.8%$4,10282.2%$21,89549.0%$25,89633.6%$5,73126.9%
63Hartford, CT$24,15097.1%$4,31082.3%$17,77448.4%$24,78841.3%$7,07023.1%
64Birmingham, AL$24,09296.3%$2,72471.5%$22,98346.7%$32,07438.3%$4,21332.2%
65Buffalo, NY$23,85896.7%$4,07976.5%$18,75550.5%$28,53341.8%$6,63223.7%
66Rochester, NY$23,65696.7%$3,54377.5%$18,16152.5%$23,91942.1%$6,02627.8%
67Philadelphia, PA$23,53196.5%$3,75280.3%$19,33845.4%$28,91538.9%$7,51224.6%
68Honolulu, HI$23,49597.7%$4,84585.4%$21,91041.9%$23,70926.7%$11,02933.6%
69Providence, RI$23,47197.9%$4,95683.0%$18,49749.7%$23,26837.1%$6,71327.5%
70Detroit, MI$23,46296.3%$3,99576.2%$17,50048.8%$27,15941.2%$5,26425.8%
71Cincinnati, OH$23,37896.6%$3,59576.2%$20,19249.0%$24,88640.8%$5,78824.5%
72Washington, DC$23,36797.0%$4,40784.2%$21,71640.2%$33,92037.5%$8,02221.6%
73Denver, CO$23,07297.4%$4,65084.7%$19,53447.5%$28,23134.1%$7,75824.1%
74Portland, OR$22,83597.8%$4,14385.1%$19,98943.8%$27,12635.2%$8,41623.2%
75Durham, NC$22,67696.7%$4,31883.0%$19,43547.4%$38,86234.6%$7,17625.5%
76Chicago, IL$22,56996.0%$4,29581.8%$20,60644.0%$28,88335.2%$5,53124.8%
77Sacramento, CA$22,49597.5%$4,51383.5%$21,15846.2%$24,11730.9%$8,60526.2%
78Las Vegas, NV$22,38995.4%$3,89178.6%$23,42645.2%$20,69433.2%$4,87126.9%
79Provo, UT$22,30096.5%$4,47784.6%$22,66652.2%$21,63031.4%$7,29224.4%
80Stockton, CA$22,28495.9%$4,41178.0%$23,36947.0%$15,24830.8%$6,12130.3%
81St. Louis, MO$22,14196.1%$3,78275.2%$20,98346.7%$28,26537.6%$5,08426.1%
82Ogden, UT$21,93596.4%$3,45279.4%$21,32752.8%$20,71628.2%$6,41726.8%
83Chattanooga, TN$21,90297.6%$3,54074.5%$22,51943.9%$20,59539.2%$4,72030.0%
84Bakersfield, CA$21,84395.4%$3,62875.3%$21,80850.4%$17,40332.9%$7,37827.3%
85Kansas City, MO$21,75096.6%$3,69977.1%$19,79848.7%$23,83234.6%$6,34024.1%
86Madison, WI$21,61398.9%$4,04287.8%$18,19546.9%$24,59236.8%$10,20224.6%
87Boston, MA$21,50397.2%$4,70887.1%$18,82744.5%$24,63933.7%$8,37924.3%
88Milwaukee, WI$21,37596.3%$3,27475.9%$18,52643.7%$28,67042.0%$3,45325.3%
89San Diego, CA$21,32797.0%$4,50585.7%$20,91545.6%$21,86026.9%$7,26026.5%
90Tucson, AZ$21,08696.0%$3,50174.3%$21,61347.8%$23,02831.5%$8,01130.6%
91Salt Lake City, UT$20,77096.0%$3,92882.7%$21,35348.4%$23,72726.7%$6,65326.5%
92Greenville, SC$20,67496.2%$2,27273.5%$20,50745.5%$25,18736.3%$3,81131.8%
93Los Angeles, CA$20,47996.3%$4,59784.4%$21,30843.2%$22,99428.8%$6,66224.7%
94Seattle, WA$19,57797.0%$4,13787.0%$22,38344.1%$26,31825.8%$7,87521.6%
95Oxnard, CA$19,49997.3%$5,36586.1%$19,41048.7%$19,62223.4%$6,86129.0%
96Louisville, KY$19,23095.2%$2,76871.0%$17,95943.7%$24,60437.4%$4,99729.0%
97Grand Rapids, MI$17,69095.8%$3,00478.4%$16,39944.9%$21,99036.8%$4,52724.8%
98New York, NY$17,00396.6%$4,47485.5%$19,37633.1%$26,08531.5%$7,92222.4%
99San Francisco, CA$15,64896.9%$4,82887.8%$21,60237.9%$23,82721.4%$8,21218.7%
100San Jose, CA$13,23996.7%$4,19990.3%$22,12838.1%$24,04117.3%$7,18216.7%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Where Gen Xers carry most non-mortgage debt

RankMetroMedian non-mortgage debt% with non-mortgage debtMedian credit card debt% with credit card debtMedian auto loan debt% with auto loan debtMedian student loan debt% with student loan debtMedian personal loan debt% with personal loan debt
1El Paso, TX$40,70998.1%$6,08483.5%$27,47953.8%$30,22234.0%$11,20248.6%
2Augusta, GA$39,05696.9%$4,82682.3%$28,21757.3%$39,36530.0%$7,90439.6%
3San Antonio, TX$36,86098.2%$6,38483.9%$28,59759.1%$32,02625.4%$8,25738.1%
4McAllen, TX$35,37399.4%$4,56581.2%$30,55661.1%$21,20219.1%$8,76547.5%
5Columbia, SC$34,03397.9%$5,12885.5%$23,41255.6%$39,16329.9%$7,01537.2%
6Riverside, CA$32,94997.2%$7,12787.2%$25,44556.4%$33,87223.4%$12,92735.1%
7Baton Rouge, LA$32,45298.3%$4,82481.6%$28,00059.6%$30,85123.5%$9,43144.4%
8Dallas, TX$32,06597.6%$7,32088.5%$26,09553.7%$34,49423.0%$10,17030.8%
9Houston, TX$31,71597.6%$6,73087.0%$26,66352.7%$35,04224.1%$9,04233.5%
10Fresno, CA$31,52298.3%$7,92386.3%$24,38856.0%$19,91422.6%$11,15336.6%
11Oklahoma City, OK$30,93597.5%$5,34982.9%$25,14255.5%$28,46926.8%$9,16734.4%
12New Orleans, LA$30,88597.3%$5,56881.3%$24,98250.5%$30,50625.3%$8,90638.6%
13Virginia Beach, VA$30,65796.8%$6,06185.3%$22,57352.9%$33,35726.4%$11,07931.5%
14Lakeland, FL$30,22897.6%$5,87684.8%$26,78954.6%$49,26420.4%$8,65836.1%
15Baltimore, MD$30,14798.4%$6,81491.9%$25,45652.7%$37,32124.4%$11,66030.2%
16Memphis, TN$29,89897.1%$5,14081.0%$25,01553.6%$40,29228.0%$6,99640.0%
17Jacksonville, FL$29,73196.4%$6,57387.2%$26,56451.3%$31,69721.3%$10,47631.3%
18Cape Coral, FL$29,69597.5%$6,49689.9%$25,65357.5%$30,71416.8%$12,42027.4%
19Worcester, MA$29,62098.9%$6,46592.4%$21,88456.5%$29,36521.9%$11,28627.4%
20Miami, FL$29,61197.4%$7,58290.0%$23,79855.6%$35,00218.9%$9,18624.3%
21Knoxville, TN$29,54397.2%$5,52281.4%$26,61459.3%$29,57919.0%$9,73135.1%
22Kiryas Joel, NY$29,53597.5%$7,56690.7%$22,48453.5%$32,16925.3%$13,24828.9%
23Tampa, FL$29,48797.5%$6,39589.3%$24,79754.1%$35,05121.1%$10,68927.8%
24Austin, TX$29,35898.1%$7,28790.7%$25,05054.0%$36,85819.7%$10,31727.6%
25Jackson, MS$29,30797.1%$4,61581.4%$24,37750.9%$38,11829.6%$7,64840.9%
26Stockton, CA$29,00895.5%$7,05585.2%$26,97648.7%$23,64619.7%$13,57232.3%
27Orlando, FL$28,96897.1%$6,93889.1%$24,75854.1%$33,26119.8%$9,83929.0%
28Atlanta, GA$28,73997.5%$7,02789.4%$24,75148.2%$44,95627.4%$8,38727.6%
29Syracuse, NY$28,60297.6%$5,53287.9%$20,54259.2%$34,32826.1%$10,37031.5%
30Deltona, FL$28,60196.6%$6,06886.4%$24,31053.7%$33,53324.1%$10,05928.8%
31Albuquerque, NM$28,58598.0%$5,44686.5%$26,13252.9%$34,51922.5%$9,91634.2%
32Winston-Salem, NC$28,56997.6%$6,32383.5%$25,00351.9%$28,83824.9%$10,34735.6%
33Chattanooga, TN$28,41296.5%$5,43082.9%$26,19149.2%$30,73022.2%$8,17137.8%
34Pittsburgh, PA$28,33397.6%$5,35787.2%$21,51753.2%$31,42426.5%$12,09829.6%
35Scranton, PA$28,21697.3%$5,50384.0%$20,72055.1%$36,76423.2%$11,70431.9%
36Little Rock, AR$28,05796.6%$4,51881.0%$24,39752.0%$37,78229.9%$6,86031.2%
37Greensboro, NC$27,68897.0%$6,25483.9%$22,14151.7%$29,22727.0%$9,71935.0%
38Phoenix, AZ$27,66597.3%$6,74887.9%$26,39149.5%$31,13422.3%$11,97426.5%
39Tulsa, OK$27,30597.2%$5,12983.9%$23,82251.6%$40,02524.0%$9,47434.3%
40St. Louis, MO$27,15897.2%$5,65685.9%$24,70251.9%$33,28424.3%$9,18826.6%
41Buffalo, NY$26,97697.7%$6,01888.6%$19,86555.6%$31,93825.9%$9,73924.8%
42Charleston, SC$26,84197.4%$5,95289.1%$25,41953.6%$36,77925.0%$7,22225.7%
43Des Moines, IA$26,71097.1%$5,96089.8%$23,71253.4%$26,87721.0%$12,51424.2%
44Charlotte, NC$26,58997.9%$6,14888.4%$24,61951.1%$39,50023.1%$9,14830.3%
45Bridgeport, CT$26,50798.3%$8,65694.1%$21,08948.2%$40,65518.4%$10,38720.2%
46Las Vegas, NV$26,46996.2%$5,92986.6%$25,40849.5%$31,08120.9%$11,92728.7%
47Rochester, NY$26,36097.3%$6,16487.5%$19,49557.7%$31,46525.8%$9,61828.2%
48North Port, FL$26,33698.0%$6,60193.1%$25,42650.7%$27,45119.0%$12,26824.8%
49Richmond, VA$26,31797.2%$6,53386.7%$22,02151.5%$43,75525.4%$9,39932.0%
50Nashville, TN$26,22897.6%$5,84286.6%$25,64550.3%$31,41723.0%$9,79333.8%
51New Haven, CT$26,18698.5%$6,55890.4%$19,74150.1%$42,97226.2%$9,40225.1%
52Bakersfield, CA$26,16394.9%$6,83882.9%$25,23154.5%$31,86819.3%$12,04236.7%
53Ogden, UT$25,95797.3%$5,17188.7%$24,80754.6%$27,12517.7%$9,96924.9%
54Birmingham, AL$25,71296.0%$5,21482.7%$22,73249.3%$36,44523.5%$8,43335.9%
55Colorado Springs, CO$25,54896.9%$7,15087.2%$24,18447.7%$39,28218.2%$13,52228.0%
56Denver, CO$25,51797.6%$7,01391.4%$22,72746.7%$32,32122.1%$14,64622.6%
57Indianapolis, IN$25,36297.3%$5,28386.8%$21,94953.8%$32,03524.5%$10,58826.7%
58Omaha, NE$25,34297.8%$5,72089.0%$21,95654.6%$29,79020.7%$13,44525.1%
59Philadelphia, PA$25,26497.8%$6,29189.8%$20,89650.3%$34,87824.9%$10,05127.1%
60Greenville, SC$25,20799.0%$5,29088.0%$22,50351.6%$37,30524.4%$8,21733.6%
61Washington, DC$25,01497.5%$6,65591.6%$24,07845.3%$40,98121.6%$13,27126.0%
62Detroit, MI$24,41297.6%$5,45988.0%$18,21754.9%$42,50522.8%$9,42926.4%
63Albany, NY$24,31797.0%$5,29787.5%$21,56153.2%$36,95024.0%$10,48226.1%
64Sacramento, CA$24,16197.4%$6,55889.0%$23,44646.8%$33,53919.2%$13,71525.7%
65Raleigh, NC$24,04898.7%$5,87091.6%$21,28450.9%$45,04922.4%$8,96824.1%
66Allentown, PA$24,04598.8%$6,48590.1%$18,96151.2%$26,44120.2%$12,18525.6%
67Cleveland, OH$24,01797.5%$5,45887.2%$18,91154.1%$36,10426.3%$9,24526.1%
68Minneapolis, MN$23,98897.3%$6,00789.9%$20,46549.0%$38,39422.4%$13,78123.9%
69Chicago, IL$23,95197.2%$6,64789.8%$22,01047.3%$35,50722.1%$9,58125.0%
70Tucson, AZ$23,68497.3%$6,39986.5%$22,52149.3%$25,68718.2%$12,29330.4%
71Palm Bay, FL$23,44597.1%$5,97090.4%$21,59651.7%$33,35420.7%$10,68725.2%
72Hartford, CT$23,43697.8%$6,78492.0%$19,69850.6%$39,73122.7%$9,57923.5%
73Toledo, OH$23,30097.8%$4,99781.6%$19,80053.3%$35,98925.3%$6,25329.8%
74Milwaukee, WI$23,24998.0%$5,00287.3%$22,25751.4%$37,22723.2%$7,89726.6%
75Los Angeles, CA$23,22597.0%$6,87590.8%$21,43646.1%$31,92616.9%$12,52024.4%
76Columbus, OH$22,89097.7%$4,96088.9%$20,87852.0%$35,57623.0%$10,10426.0%
77Boston, MA$22,86498.1%$7,05493.1%$19,02647.5%$32,41919.9%$12,76723.4%
78Akron, OH$22,74696.9%$5,02988.0%$19,90254.3%$38,49321.0%$10,33722.9%
79Providence, RI$22,65098.0%$6,22790.5%$18,85649.7%$28,78819.3%$10,09325.8%
80Boise, ID$22,41597.3%$5,65788.8%$24,61747.3%$38,46719.0%$10,65525.1%
81Durham, NC$22,38098.1%$5,73191.1%$22,51245.2%$42,97721.2%$11,90622.2%
82Harrisburg, PA$22,22798.9%$5,06888.6%$23,07649.6%$38,11523.6%$10,37629.3%
83Grand Rapids, MI$22,16396.0%$4,29082.8%$18,90653.8%$36,32022.8%$6,10525.2%
84Spokane, WA$22,16298.4%$6,71385.4%$20,47943.8%$30,01825.5%$9,45030.2%
85Dayton, OH$21,99697.8%$4,66084.2%$22,58747.3%$35,11326.1%$7,97829.8%
86Provo, UT$21,91896.3%$6,23387.9%$23,55751.0%$39,06917.5%$12,47820.6%
87San Diego, CA$21,76497.3%$6,95791.4%$23,28843.0%$35,95116.5%$13,26824.1%
88Salt Lake City, UT$21,35297.2%$6,05387.2%$23,61047.5%$26,79414.8%$9,37625.2%
89Oxnard, CA$21,28797.4%$6,43290.8%$24,57344.2%$32,06718.2%$11,26123.7%
90Wichita, KS$21,11196.9%$5,43581.9%$22,45449.8%$36,61421.5%$7,09328.2%
91New York, NY$21,03597.3%$6,76191.4%$20,89540.5%$34,63219.0%$12,18623.1%
92Portland, OR$20,90297.6%$6,30589.9%$21,36940.8%$32,89820.3%$12,06222.5%
93Cincinnati, OH$20,89497.0%$5,32386.2%$21,20748.4%$33,12621.5%$9,84826.6%
94Kansas City, MO$20,76096.7%$5,45987.2%$23,02445.8%$31,89422.5%$8,74323.6%
95Louisville, KY$20,37297.5%$4,80486.0%$21,60846.1%$34,10322.9%$9,39728.2%
96Seattle, WA$19,60597.5%$6,11891.0%$25,28540.9%$32,16916.3%$12,94120.3%
97Honolulu, HI$18,92198.0%$5,64489.2%$20,48035.6%$38,62617.1%$14,71928.8%
98San Francisco, CA$16,79497.0%$6,86393.0%$21,93836.1%$33,82613.7%$12,10218.8%
99Madison, WI$15,93598.3%$5,18490.5%$18,49443.1%$36,47918.2%$13,79624.2%
100San Jose, CA$12,58196.9%$6,20491.9%$25,31933.6%$32,9177.5%$15,80813.5%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Where baby boomers carry most non-mortgage debt

RankMetroMedian non-mortgage debt% with non-mortgage debtMedian credit card debt% with credit card debtMedian auto loan debt% with auto loan debtMedian student loan debt% with student loan debtMedian personal loan debt% with personal loan debt
1McAllen, TX$23,04598.4%$3,71981.6%$27,88346.4%$36,18412.0%$4,64145.6%
2El Paso, TX$20,10697.8%$4,92790.9%$23,55646.3%$22,51910.8%$11,14635.5%
3San Antonio, TX$17,75897.4%$4,81889.0%$23,41642.5%$25,2547.7%$9,75429.0%
4Bakersfield, CA$17,69094.8%$3,75489.1%$24,38444.8%$29,6638.3%$11,30227.1%
5Riverside, CA$17,53496.4%$5,54990.9%$20,59440.6%$29,4809.0%$10,99424.7%
6Augusta, GA$17,49598.2%$3,92992.0%$21,41342.0%$17,11112.1%$10,12521.4%
7Miami, FL$16,50897.3%$6,02594.0%$20,00542.7%$30,2056.9%$9,79315.7%
8Kiryas Joel, NY$16,30997.4%$4,31993.7%$17,51144.4%$38,44312.7%$10,29920.8%
9Lakeland, FL$15,99196.4%$4,23890.1%$23,95143.8%$39,8789.1%$10,24727.0%
10Baton Rouge, LA$15,85098.1%$4,50584.7%$24,02445.5%$31,5856.8%$5,32534.1%
11Fresno, CA$15,54996.5%$5,22090.8%$18,91342.5%$23,07210.5%$13,37725.0%
12Houston, TX$15,42197.4%$5,51792.1%$21,63438.7%$29,5867.4%$9,33223.7%
13New Orleans, LA$15,24297.2%$4,04586.4%$21,16042.1%$17,86110.8%$7,11632.5%
14Memphis, TN$14,85197.4%$5,06386.5%$20,02542.4%$35,65311.7%$7,23931.5%
15Jacksonville, FL$14,61297.5%$5,01593.7%$22,62838.7%$24,1657.6%$10,16820.8%
16Deltona, FL$14,33197.6%$4,70294.7%$20,55541.4%$19,7407.4%$8,69817.9%
17Dallas, TX$14,11897.2%$5,50791.9%$22,44939.1%$30,3397.8%$10,00320.3%
18Chattanooga, TN$13,53197.1%$4,09987.7%$22,30539.2%$42,7926.9%$12,40222.5%
19Cape Coral, FL$13,50697.7%$5,53193.4%$21,41442.3%$29,8125.3%$11,29314.1%
20Rochester, NY$13,34897.4%$4,20293.9%$15,89044.6%$17,91710.0%$9,55717.3%
21Tampa, FL$13,19497.1%$4,74793.4%$21,40338.4%$31,2976.7%$11,02020.4%
22Orlando, FL$13,04397.2%$4,99292.7%$19,56838.6%$32,1257.6%$10,88819.6%
23Oxnard, CA$12,88197.9%$5,82994.0%$17,91034.7%$59,3406.0%$12,78815.1%
24Atlanta, GA$12,45597.0%$5,35791.8%$20,18334.9%$38,55311.1%$9,10819.1%
25Jackson, MS$12,27396.6%$3,82588.5%$23,30637.6%$25,10510.7%$5,44223.9%
26Palm Bay, FL$12,11998.2%$4,66396.3%$20,14336.9%$20,4415.5%$8,32617.5%
27Austin, TX$12,07897.5%$5,18992.9%$21,75237.1%$24,9087.1%$11,70917.6%
28Albany, NY$12,02097.1%$4,38192.8%$15,84447.1%$23,7969.4%$8,54617.6%
29Scranton, PA$11,96197.2%$3,44893.2%$16,90036.9%$34,70610.8%$8,40819.9%
30Virginia Beach, VA$11,91496.7%$4,53890.6%$19,57337.3%$39,49510.0%$10,90624.2%
31Syracuse, NY$11,74796.5%$3,93590.3%$17,59145.5%$28,4138.0%$9,55422.0%
32Phoenix, AZ$11,71096.6%$4,56692.5%$21,47534.0%$25,6157.3%$12,38116.8%
33Detroit, MI$11,70596.6%$4,14691.7%$14,68644.6%$23,1748.3%$8,01115.8%
34Buffalo, NY$11,57796.6%$4,02492.0%$15,64945.6%$17,4849.1%$10,13417.4%
35Baltimore, MD$11,39396.7%$4,21092.1%$19,64636.6%$35,7997.7%$10,07317.7%
36Bridgeport, CT$11,25997.6%$6,05795.6%$16,52237.4%$38,90110.1%$13,79011.0%
37Albuquerque, NM$11,05896.2%$3,98089.7%$21,72335.5%$38,2946.4%$8,37822.8%
38Stockton, CA$11,01596.3%$4,44989.4%$20,38634.3%$48,6408.3%$14,74623.1%
39Knoxville, TN$10,96995.9%$3,27986.1%$25,20238.3%$12,4445.9%$11,38623.9%
40Oklahoma City, OK$10,86796.8%$4,15390.4%$20,93136.4%$18,4756.6%$9,76222.4%
41Nashville, TN$10,75797.5%$4,24789.2%$19,98536.2%$19,4966.5%$11,15122.0%
42Indianapolis, IN$10,74696.5%$3,96991.6%$17,83936.4%$28,7618.2%$9,61715.9%
43Worcester, MA$10,71296.7%$3,82293.9%$15,70734.4%$22,4449.6%$10,73318.2%
44New York, NY$10,66296.6%$5,05993.5%$17,23933.0%$34,2319.4%$11,51015.0%
45Las Vegas, NV$10,58396.8%$4,02791.3%$20,06132.1%$28,4976.9%$12,05020.4%
46Spokane, WA$10,54797.7%$4,34092.0%$23,50232.4%$15,1044.5%$20,58414.8%
47Los Angeles, CA$10,53796.8%$4,92292.6%$18,98732.7%$36,3447.6%$11,89015.7%
48Ogden, UT$10,30895.6%$3,92190.4%$18,19836.4%$34,0543.6%$9,73720.1%
49Birmingham, AL$10,28596.7%$3,62190.0%$21,66137.5%$37,3075.9%$9,45622.9%
50Richmond, VA$10,27797.5%$3,94892.5%$19,82337.7%$23,6936.8%$9,97422.1%
51Pittsburgh, PA$10,26696.8%$3,51993.8%$15,85339.3%$26,3248.7%$9,24819.1%
52Philadelphia, PA$10,22897.9%$4,02394.6%$16,97836.6%$31,3378.7%$9,47115.9%
53Washington, DC$9,94796.7%$4,81893.6%$19,85629.7%$36,9369.1%$13,33816.5%
54Tulsa, OK$9,78896.5%$4,14489.1%$17,74135.4%$24,9537.7%$6,55920.8%
55North Port, FL$9,61997.9%$4,85196.7%$18,90734.5%$29,4944.8%$11,01913.7%
56San Diego, CA$9,60096.3%$4,79493.6%$18,06128.9%$30,9376.4%$10,38714.2%
57Columbia, SC$9,58997.2%$3,79589.9%$20,10034.8%$14,4588.1%$9,96422.7%
58Providence, RI$9,44697.0%$3,97293.8%$15,08335.3%$29,6358.3%$10,26614.9%
59Columbus, OH$9,38897.4%$3,65793.2%$17,17736.3%$28,1318.2%$8,45315.9%
60Cleveland, OH$9,09197.7%$3,46493.8%$14,14838.5%$26,7719.0%$8,29215.6%
61Greenville, SC$9,08997.7%$3,80091.3%$18,59233.8%$34,4836.9%$8,74821.1%
62Charleston, SC$9,01697.9%$4,44792.6%$19,68930.4%$28,0148.9%$9,25718.8%
63New Haven, CT$8,93497.1%$4,46292.8%$14,73638.2%$18,9828.4%$12,32614.1%
64Charlotte, NC$8,87097.7%$3,96693.0%$18,62934.2%$33,9227.2%$9,21718.2%
65Hartford, CT$8,84798.1%$4,49596.3%$16,03434.8%$30,0869.4%$10,61314.6%
66Denver, CO$8,74897.0%$4,71393.4%$17,96329.9%$35,0837.3%$12,66115.3%
67Chicago, IL$8,74797.1%$4,07193.3%$18,48331.4%$36,9229.4%$9,55114.9%
68Provo, UT$8,73896.0%$4,30692.6%$21,04833.6%$20,0025.0%$13,92715.6%
69Allentown, PA$8,70795.6%$3,96590.9%$15,69635.7%$18,3557.7%$12,98116.2%
70Boston, MA$8,69896.8%$4,32694.4%$15,24032.8%$27,0969.7%$11,62611.9%
71Raleigh, NC$8,66797.2%$4,55293.8%$19,54432.9%$31,7069.3%$11,37814.6%
72Kansas City, MO$8,59496.9%$4,28492.7%$19,04931.8%$30,0587.1%$10,81115.3%
73Little Rock, AR$8,54796.5%$3,48190.5%$22,22337.5%$31,3467.9%$7,29519.4%
74Omaha, NE$8,45296.1%$3,75292.6%$18,33036.6%$22,3016.4%$9,48213.2%
75Durham, NC$8,36998.2%$4,14294.6%$18,22634.2%$37,6505.2%$12,20413.6%
76Tucson, AZ$8,34696.4%$4,07291.7%$19,04831.8%$21,5416.1%$11,29516.8%
77Dayton, OH$8,31997.2%$3,21792.7%$15,69235.9%$27,6888.0%$8,49616.3%
78Cincinnati, OH$8,02697.3%$4,16793.7%$17,63532.5%$26,1677.1%$11,31614.8%
79Harrisburg, PA$8,00897.2%$3,18692.6%$12,34435.0%$21,1105.5%$12,03923.5%
80Toledo, OH$7,97697.4%$2,88290.4%$15,67334.5%$27,9399.3%$8,42417.6%
81San Francisco, CA$7,90196.2%$5,03493.7%$19,43224.7%$37,2924.8%$12,73011.0%
82Sacramento, CA$7,82596.9%$4,29992.3%$18,27030.3%$21,3396.2%$13,94215.5%
83Wichita, KS$7,73995.4%$3,11488.5%$18,31735.9%$27,4376.5%$8,55518.7%
84Greensboro, NC$7,59696.4%$3,47190.7%$16,13132.4%$33,0527.8%$7,93018.5%
85Grand Rapids, MI$7,50198.2%$3,82096.0%$15,45428.5%$43,7716.6%$7,93616.1%
86Boise, ID$7,41096.5%$4,00092.5%$21,16827.8%$22,3045.9%$13,31713.8%
87St. Louis, MO$7,31097.3%$3,78892.6%$17,63232.8%$29,0206.9%$7,39514.9%
88Seattle, WA$7,30896.3%$4,20293.3%$18,27626.8%$33,3725.6%$12,83712.5%
89Salt Lake City, UT$7,25294.1%$3,99888.7%$17,62128.7%$22,2014.2%$11,09214.3%
90Winston-Salem, NC$7,01796.4%$2,97791.7%$18,31431.1%$15,2935.7%$9,08520.4%
91Akron, OH$6,86497.0%$3,33291.3%$14,19437.7%$17,9026.7%$9,94916.2%
92Minneapolis, MN$6,72097.0%$3,71393.4%$17,32130.0%$24,1816.8%$10,98212.2%
93Portland, OR$6,70595.5%$4,03393.1%$17,60224.8%$28,3946.3%$11,50013.9%
94San Jose, CA$6,61896.5%$4,37894.0%$22,43520.5%$30,0174.5%$14,8709.6%
95Louisville, KY$6,57596.5%$3,31390.7%$17,43930.6%$32,4605.2%$7,36816.8%
96Honolulu, HI$6,49797.1%$3,63593.4%$18,36720.8%$30,0536.6%$15,28515.8%
97Colorado Springs, CO$6,46395.7%$3,98292.6%$20,63128.0%$30,5804.3%$9,06313.0%
98Milwaukee, WI$6,16096.2%$3,50592.7%$16,75229.5%$26,6767.0%$8,99512.3%
99Des Moines, IA$5,76096.2%$2,80191.6%$21,41931.8%$15,9436.6%$12,56511.4%
100Madison, WI$4,35598.2%$2,64495.4%$13,35823.7%$30,1872.8%$14,6618.5%
Source: LendingTree analysis of anonymized credit reports of LendingTree users. Note: By-type median balance data excludes users without that debt.

Managing debt: Top expert tips

Managing multiple debt types can be challenging and stressful, particularly if you owe a lot. To help whittle down your debt, we offer the following advice:

  • Get your interest rates down. “High interest rates are a killer when you have significant debt,” Schulz says. “However, you can significantly lower your rates with a 0% balance transfer credit card, a low-interest personal loan or potentially a phone call to your credit card issuer asking for a lower rate. Any of these options can substantially decrease the interest you pay over the life of the balance and the time it takes to pay off the balance.”
  • Consider a debt consolidation loan. If your credit isn’t good enough to qualify for a 0% balance transfer card, debt consolidation is another way to roll multiple high-interest debts into a single loan with a lower rate. Just be sure to compare offers and watch out for fees.
  • Ruthlessly prioritize. “Smart money management is about prioritization,” Schulz says. “Spend on what matters most, and don’t spend on what doesn’t. That may require some sacrifice and tough decisions, but once you’ve been able to make a major dent in your debt, it’ll have been worth it.”

Methodology

Analysts used over 500,000 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 balance regardless of whether a user had any debt
  • Percentage of users who had 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, 2024, through March 31, 2025. Non-mortgage debt includes credit cards, auto loans, personal loans, student loans and other debts.

We defined generations based on the following age groups in 2025:

  • Generation Z: 18 to 28
  • Millennial: 29 to 44
  • Generation X: 45 to 60
  • Baby boomer: 61 to 79

Data also includes the final quarter of 2024, which means that all age groups were one year younger in 2024.

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