Free Top 20 U.S. States by Credit Card Debt per Capita (2020-2025) Chart
The chart displays the top 20 U.S. states by credit card debt per capita from 2020 to 2025, emphasizing differences in consumer spending and financial behavior nationwide. Alaska leads the list with an average per capita credit card debt exceeding $7,000, reflecting high living costs and reliance on credit-based spending. New Jersey and Connecticut follow closely, both nearing $6,800 per capita, attributed to elevated household expenditures and higher median incomes enabling larger credit limits. Maryland and Virginia record similar levels, just above $6,500, supported by robust urban economies and strong retail activity. States like Hawaii, Colorado, and Washington fall within the $6,000–$6,400 range, consistent with regions having elevated cost-of-living indices and tourism-related credit use. Massachusetts, New York, and California show average debts around $6,000, linked to metropolitan spending and consumer lending patterns. New Hampshire, Illinois, and Rhode Island remain moderately high, around $5,800, reflecting regional stability but persistent household borrowing. Rounding out the top 20, Texas, Nevada, Oregon, Florida, Arizona, and Georgia maintain figures between $5,000–$5,500, signaling steady credit dependency amid growing populations. Overall, the data underscores increasing consumer reliance on credit, particularly in states with higher income, urbanization, and living expenses during the 2020–2025 period.
| Labels |
Total 2020-2025 Debt (Thousands USD) |
| Alaska | 7.3 |
| New Jersey | 6.9 |
| Connecticut | 6.7 |
| Maryland | 6.6 |
| Virginia | 6.3 |
| Hawaii | 6.2 |
| Colorado | 6 |
| Washington | 5.9 |
| Massachusetts | 5.8 |
| New York | 5.7 |
| California | 5.6 |
| New Hampshire | 5.5 |
| Illinois | 5.4 |
