People with a credit report in the District of Columbia carried $102,400 in debt per person at the end of 2025, the most of any state or D.C. West Virginia had the least, $37,850. Among the states, Colorado ($92,690), California ($87,850) and Washington ($85,880) were highest. The national figure was $63,200, up from $61,660 a year earlier.
Most of the gap between states comes from mortgages, which are largest where homes cost more. Other kinds of debt split differently. Credit card debt per person was highest in the District of Columbia ($5,500) and lowest in Mississippi ($3,030). Auto loan debt ran the other way: Texas was highest at $8,000 per person and the District of Columbia lowest at $3,350. Student loan debt per person was highest in the District of Columbia ($12,650) and lowest in Wyoming ($3,180). Total debt per person rose from 2024 to 2025 in 49 of the 51.
Debt per person, fourth quarter of 2025
| State | Total debt per person | Mortgage | Auto loan | Credit card | Student loan | Total, change from 2024 |
|---|---|---|---|---|---|---|
| District of Columbia | $102,400 | $78,140 | $3,350 | $5,500 | $12,650 | -1.1% |
| Colorado | $92,690 | $72,210 | $5,340 | $4,910 | $5,760 | +2.4% |
| California | $87,850 | $69,660 | $5,210 | $5,000 | $4,650 | +2.2% |
| Washington | $85,880 | $67,840 | $4,810 | $4,640 | $4,250 | +2.5% |
| Hawaii | $83,480 | $63,810 | $3,990 | $5,220 | $3,810 | +2.2% |
| Utah | $83,350 | $63,650 | $6,030 | $4,260 | $3,980 | +3.1% |
| Maryland | $81,390 | $59,910 | $5,850 | $5,090 | $6,830 | +2.0% |
| Massachusetts | $77,400 | $58,200 | $4,310 | $4,650 | $6,120 | +1.3% |
| Virginia | $77,060 | $57,130 | $5,560 | $4,770 | $6,100 | +1.8% |
| Nevada | $71,260 | $52,540 | $6,230 | $5,060 | $4,480 | +4.0% |
| Arizona | $70,850 | $51,800 | $6,130 | $4,530 | $4,960 | +4.5% |
| Oregon | $69,640 | $52,060 | $4,360 | $4,030 | $5,600 | +3.1% |
| New Jersey | $69,550 | $49,650 | $4,860 | $5,160 | $6,540 | +1.6% |
| Alaska | $69,460 | $51,070 | $5,790 | $5,250 | $3,860 | +0.8% |
| Idaho | $69,450 | $50,320 | $5,670 | $3,870 | $4,480 | +4.0% |
| Connecticut | $67,530 | $48,380 | $4,460 | $4,960 | $6,470 | +1.4% |
| New Hampshire | $66,480 | $45,690 | $5,930 | $4,500 | $5,950 | +1.4% |
| Delaware | $66,170 | $46,450 | $5,650 | $4,520 | $6,320 | +3.4% |
| Minnesota | $63,860 | $46,300 | $4,570 | $3,990 | $5,820 | +1.3% |
| Georgia | $62,070 | $40,310 | $6,490 | $4,610 | $7,120 | +2.7% |
| Florida | $61,890 | $41,600 | $6,570 | $5,050 | $5,110 | +3.5% |
| North Carolina | $61,070 | $41,240 | $5,980 | $4,160 | $5,630 | +3.7% |
| Rhode Island | $60,090 | $41,690 | $4,380 | $4,490 | $5,630 | -2.0% |
| Texas | $60,020 | $39,230 | $8,000 | $4,620 | $5,140 | +3.7% |
| South Carolina | $59,460 | $39,360 | $6,050 | $4,090 | $6,120 | +5.0% |
| New York | $59,420 | $41,110 | $4,320 | $4,820 | $6,060 | +0.8% |
| Montana | $58,390 | $40,740 | $4,990 | $3,850 | $4,390 | +2.5% |
| Wyoming | $57,120 | $40,830 | $5,430 | $3,990 | $3,180 | +3.2% |
| Tennessee | $56,690 | $37,910 | $5,810 | $3,710 | $5,120 | +3.6% |
| Illinois | $54,050 | $36,470 | $4,880 | $4,260 | $5,940 | +1.2% |
| Maine | $53,360 | $34,340 | $5,860 | $3,760 | $5,320 | +2.1% |
| North Dakota | $53,300 | $34,410 | $6,640 | $3,970 | $4,880 | +1.8% |
| Vermont | $52,910 | $34,090 | $6,110 | $3,790 | $5,670 | +1.9% |
| South Dakota | $52,270 | $34,380 | $5,370 | $3,530 | $4,820 | +2.2% |
| Pennsylvania | $50,360 | $31,540 | $4,850 | $3,950 | $6,450 | +1.7% |
| Nebraska | $49,530 | $33,170 | $4,960 | $3,650 | $4,990 | +1.5% |
| Missouri | $49,420 | $32,450 | $5,150 | $3,550 | $5,180 | +3.2% |
| Indiana | $49,330 | $32,520 | $5,220 | $3,410 | $4,830 | +2.7% |
| New Mexico | $49,260 | $31,940 | $7,000 | $3,520 | $3,900 | +2.8% |
| Wisconsin | $49,210 | $33,260 | $4,560 | $3,400 | $4,600 | +2.4% |
| Alabama | $48,910 | $29,890 | $6,370 | $3,400 | $5,470 | +3.8% |
| Louisiana | $48,250 | $28,450 | $7,000 | $3,610 | $6,010 | +1.8% |
| Michigan | $48,050 | $30,600 | $4,960 | $3,670 | $5,700 | +2.3% |
| Iowa | $47,410 | $31,150 | $5,130 | $3,250 | $4,730 | +1.1% |
| Ohio | $46,780 | $28,700 | $5,410 | $3,560 | $5,860 | +2.2% |
| Kansas | $46,720 | $30,510 | $4,930 | $3,670 | $5,190 | +3.2% |
| Oklahoma | $43,170 | $26,000 | $6,370 | $3,460 | $4,490 | +3.1% |
| Kentucky | $43,160 | $26,280 | $5,080 | $3,140 | $5,270 | +2.3% |
| Arkansas | $43,090 | $25,550 | $6,420 | $3,310 | $4,890 | +2.8% |
| Mississippi | $41,450 | $21,690 | $6,680 | $3,030 | $6,120 | +2.8% |
| West Virginia | $37,850 | $20,770 | $6,650 | $3,180 | $4,240 | +4.4% |
| United States (all states) | $63,200 | $44,300 | $5,660 | $4,350 | $5,460 | +2.5% |
50 states and D.C., in dollars per person with a credit report, as published. The change column is our calculation. "Mortgage" excludes home equity lines of credit; the total includes them and other types of debt not shown separately. The CSV adds 2024 and 2019 figures for each type.
What these numbers are
The New York Fed draws these figures from a random sample of anonymized Equifax credit reports. "Per person" means the total balance in a state divided by the number of people age 18 and older with an Equifax credit file, including people who owe nothing. It is an average, so a few large balances can pull it up, and it is not the debt of a typical household. Student loan figures come from a smaller 1% sample. The New York Fed notes that the figures are subject to sampling variation and may not match its national quarterly report.
Why it matters
Debt levels say little on their own about whether people are struggling; higher balances often go with higher incomes and home values. Comparing debt types across states, alongside delinquency, shows where particular kinds of borrowing such as car loans or credit cards weigh more heavily.
What you can do
- Compare your own balances with your income, not with state averages. Lenders look at your debt-to-income ratio and your payment history.
- Pay down high-rate debt such as credit cards first if you can; it usually costs the most.
- Check your credit reports for free at AnnualCreditReport.com to make sure the balances reported for you are right.
Source
Federal Reserve Bank of New York, Household Debt and Credit, State Level Household Debt Statistics 2003-2025 (February 2026), sheets for total, mortgage, auto loan, credit card and student loan debt balance per capita, from the New York Fed Consumer Credit Panel / Equifax, downloaded October 21, 2026.
© 2026 Federal Reserve Bank of New York. Content from the New York Fed subject to the Terms of Use at newyorkfed.org.
The New York Fed does not endorse this page, My Credit Guide, or any use of these figures. We have not changed the source figures. Anything labelled as a rank, a change, or a comparison is our calculation.
Our table is available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Debt per Person by State and Type of Loan," My Credit Guide, October 21, 2026, https://mycreditguide.org/data/debt-per-person-by-state/.