State rankings
Debt by State
District of Columbia has the highest Average Personal Debt in 2025 ($102,400), followed by Colorado ($92,690) and California ($87,850). West Virginia has the lowest ($37,850).
51 of 51 states
Average Personal Debt, 2025
Green is better, red is worse (lower is better). Click a place to highlight it.
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All 51 ranked
Best first.
Distribution Median and middle halfThe median is the middle value: half of places are above it, half below. The middle half is the range holding the central 50% of places.More in the glossary →
Each dot is one state; the lines mark the median and the middle half.
Median
$59,420
Middle half $49,295 – $69,505
Average
$60,977
51 states
Lowest (best)
$37,850
West Virginia
Highest (worst)
$102,400
District of Columbia
Biggest changes · 2024 → 2025
51 states have a value in both years.
Improved most
Declined most
Data
Click a column to sort, a row to highlight that place on the charts.
51 states · # = rank by Average Personal Debt
| # | ||||||
|---|---|---|---|---|---|---|
| 1 |  West Virginia | $37,850 | $6,650 | $3,180 | $20,770 | $4,240 |
| 2 |  Mississippi | $41,450 | $6,680 | $3,030 | $21,690 | $6,120 |
| 3 |  Arkansas | $43,090 | $6,420 | $3,310 | $25,550 | $4,890 |
| 4 |  Kentucky | $43,160 | $5,080 | $3,140 | $26,280 | $5,270 |
| 5 |  Oklahoma | $43,170 | $6,370 | $3,460 | $26,000 | $4,490 |
| 6 |  Kansas | $46,720 | $4,930 | $3,670 | $30,510 | $5,190 |
| 7 |  Ohio | $46,780 | $5,410 | $3,560 | $28,700 | $5,860 |
| 8 |  Iowa | $47,410 | $5,130 | $3,250 | $31,150 | $4,730 |
| 9 |  Michigan | $48,050 | $4,960 | $3,670 | $30,600 | $5,700 |
| 10 |  Louisiana | $48,250 | $7,000 | $3,610 | $28,450 | $6,010 |
| 11 |  Alabama | $48,910 | $6,370 | $3,400 | $29,890 | $5,470 |
| 12 |  Wisconsin | $49,210 | $4,560 | $3,400 | $33,260 | $4,600 |
| 13 |  New Mexico | $49,260 | $7,000 | $3,520 | $31,940 | $3,900 |
| 14 |  Indiana | $49,330 | $5,220 | $3,410 | $32,520 | $4,830 |
| 15 |  Missouri | $49,420 | $5,150 | $3,550 | $32,450 | $5,180 |
| 16 |  Nebraska | $49,530 | $4,960 | $3,650 | $33,170 | $4,990 |
| 17 |  Pennsylvania | $50,360 | $4,850 | $3,950 | $31,540 | $6,450 |
| 18 |  South Dakota | $52,270 | $5,370 | $3,530 | $34,380 | $4,820 |
| 19 |  Vermont | $52,910 | $6,110 | $3,790 | $34,090 | $5,670 |
| 20 |  North Dakota | $53,300 | $6,640 | $3,970 | $34,410 | $4,880 |
| 21 |  Maine | $53,360 | $5,860 | $3,760 | $34,340 | $5,320 |
| 22 |  Illinois | $54,050 | $4,880 | $4,260 | $36,470 | $5,940 |
| 23 |  Tennessee | $56,690 | $5,810 | $3,710 | $37,910 | $5,120 |
| 24 |  Wyoming | $57,120 | $5,430 | $3,990 | $40,830 | $3,180 |
| 25 |  Montana | $58,390 | $4,990 | $3,850 | $40,740 | $4,390 |
| 26 |  New York | $59,420 | $4,320 | $4,820 | $41,110 | $6,060 |
| 27 |  South Carolina | $59,460 | $6,050 | $4,090 | $39,360 | $6,120 |
| 28 |  Texas | $60,020 | $8,000 | $4,620 | $39,230 | $5,140 |
| 29 |  Rhode Island | $60,090 | $4,380 | $4,490 | $41,690 | $5,630 |
| 30 |  North Carolina | $61,070 | $5,980 | $4,160 | $41,240 | $5,630 |
| 31 |  Florida | $61,890 | $6,570 | $5,050 | $41,600 | $5,110 |
| 32 |  Georgia | $62,070 | $6,490 | $4,610 | $40,310 | $7,120 |
| 33 |  Minnesota | $63,860 | $4,570 | $3,990 | $46,300 | $5,820 |
| 34 |  Delaware | $66,170 | $5,650 | $4,520 | $46,450 | $6,320 |
| 35 |  New Hampshire | $66,480 | $5,930 | $4,500 | $45,690 | $5,950 |
| 36 |  Connecticut | $67,530 | $4,460 | $4,960 | $48,380 | $6,470 |
| 37 |  Idaho | $69,450 | $5,670 | $3,870 | $50,320 | $4,480 |
| 38 |  Alaska | $69,460 | $5,790 | $5,250 | $51,070 | $3,860 |
| 39 |  New Jersey | $69,550 | $4,860 | $5,160 | $49,650 | $6,540 |
| 40 |  Oregon | $69,640 | $4,360 | $4,030 | $52,060 | $5,600 |
| 41 |  Arizona | $70,850 | $6,130 | $4,530 | $51,800 | $4,960 |
| 42 |  Nevada | $71,260 | $6,230 | $5,060 | $52,540 | $4,480 |
| 43 |  Virginia | $77,060 | $5,560 | $4,770 | $57,130 | $6,100 |
| 44 |  Massachusetts | $77,400 | $4,310 | $4,650 | $58,200 | $6,120 |
| 45 |  Maryland | $81,390 | $5,850 | $5,090 | $59,910 | $6,830 |
| 46 |  Utah | $83,350 | $6,030 | $4,260 | $63,650 | $3,980 |
| 47 |  Hawaii | $83,480 | $3,990 | $5,220 | $63,810 | $3,810 |
| 48 |  Washington | $85,880 | $4,810 | $4,640 | $67,840 | $4,250 |
| 49 |  California | $87,850 | $5,210 | $5,000 | $69,660 | $4,650 |
| 50 |  Colorado | $92,690 | $5,340 | $4,910 | $72,210 | $5,760 |
| 51 |  District of Columbia | $102,400 | $3,350 | $5,500 | $78,140 | $12,650 |
What correlates with Average Personal Debt (2025)?
Pearson r against 2,090 other state metrics sharing at least 31 states. Ranks are read by standing: a better rank counts as higher, whether rank 1 is the best place on a list or the worst. Correlation is not causation.
Higher together
Places that have a higher Average Personal Debt tend to score higher on these (or rank better)
- Median Home Value ($2,000,001 Means $2M or More)Housing, Income and Commutes by State (Census)Plotr = +0.91 · very strong · n = 51
- Median Rent (Monthly; $3,501 Means $3,500 or More)Housing, Income and Commutes by State (Census)Plotr = +0.91 · very strong · n = 51
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- Price Level (Housing Rents)Cost of Living by State (Regional Price Parities)Plotr = +0.89 · very strong · n = 51
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Opposite directions
Places that have a higher Average Personal Debt tend to score lower on these (or rank worse)
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- Affordability RankDisability Benefits by StateA rank: rank 1 is the bestPlotr = +0.81 · very strong · n = 51
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- % of Pop. with High School Diploma or EquivalentMost Educated U.S. StatesPlotr = −0.79 · very strong · n = 51
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Quick answers
- Which state has the highest Average Personal Debt?
- District of Columbia has the highest Average Personal Debt in 2025, at $102,400, followed by Colorado ($92,690) and California ($87,850).
- Which state has the lowest Average Personal Debt?
- West Virginia has the lowest Average Personal Debt in 2025, at $37,850.
- What is the median Average Personal Debt across US states?
- The median is $59,420 across the 51 US states with data in 2025.
- Where does this debt by state data come from?
- Rankodex compiles it from World Population Review and the primary sources it cites: State Debt-to-Income Ratio, 1999 - 2024 - Federal Reserve; Center for Microeconomic Data - Federal Reserve Bank of New York; The average American debt by type, age, and state - Business Insider; U.S. States with the Most and Least Debt - Credit Karma.