GOBankingRates

The Average Credit Score in Every State — How Do You Stack Up?

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RyanJLane / Getty Images

Your credit score can be either a valuable ally or a millstone around your neck. For people with a long, documented history of making good on their financial obligations, you can expect to secure better rates on loans — which ultimately translates to thousands of dollars in savings over the course of a 30-year mortgage, for instance. But, if you’ve struggled to pay your bills or made a point of avoiding debt altogether, you might find that a lower credit rating will throw a wrench into certain aspects of your life plan.

After all, greater creditworthiness can mean more freedom for consumers to make major purchases. To see if Americans in different parts of the country have an easier — or harder — time accessing credit, GOBankingRates compiled data from Experian that shows the average VantageScore in every state, providing a panoramic snapshot of the nation’s credit.

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50. Mississippi

  • Average credit score: 647
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49. Louisiana

  • Average credit score: 650
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48. Alabama

  • Average credit score: 654
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47. Georgia

  • Average credit score: 654
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46. Nevada

  • Average credit score: 655
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45. Oklahoma

  • Average credit score: 656
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44. Texas

  • Average credit score: 656
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43. Arkansas

  • Average credit score: 657
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42. South Carolina

  • Average credit score: 657
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41. West Virginia

  • Average credit score: 658
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40. New Mexico

  • Average credit score: 659
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39. Tennessee

  • Average credit score: 662
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38. Kentucky

  • Average credit score: 663
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37. North Carolina

  • Average credit score: 666
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36. Indiana

  • Average credit score: 667
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35. Alaska

  • Average credit score: 668
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34. Florida

  • Average credit score: 668
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33. Arizona

  • Average credit score: 669
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32. Delaware

  • Average credit score: 672
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31. Maryland

  • Average credit score: 672
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30. Missouri

  • Average credit score: 675
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29. Michigan

  • Average credit score: 677
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28. Ohio

  • Average credit score: 678
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27. Wyoming

  • Average credit score: 678
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26. California

  • Average credit score: 680
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25. Kansas

  • Average credit score: 680
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24. Virginia

  • Average credit score: 680
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23. Idaho

  • Average credit score: 681
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22. Illinois

  • Average credit score: 683
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21. Utah

  • Average credit score: 683
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20. New Jersey

  • Average credit score: 686
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19. Pennsylvania

  • Average credit score: 687
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18. Rhode Island

  • Average credit score: 687
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17. Colorado

  • Average credit score: 688
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16. New York

  • Average credit score: 688
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15. Oregon

  • Average credit score: 688
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14. Maine

  • Average credit score: 689
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13. Montana

  • Average credit score: 689
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12. Connecticut

  • Average credit score: 690
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11. Hawaii

  • Average credit score: 693
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10. Washington

  • Average credit score: 693
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9. Iowa

  • Average credit score: 695
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8. Nebraska

  • Average credit score: 695
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7. Wisconsin

  • Average credit score: 696
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6. North Dakota

  • Average credit score: 697
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5. Massachusetts

  • Average credit score: 699
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4. South Dakota

  • Average credit score: 700
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3. New Hampshire

  • Average credit score: 701
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2. Vermont

  • Average credit score: 702