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

Joel Anderson

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.

50. Mississippi


  • Average credit score: 647

49. Louisiana


  • Average credit score: 650

48. Alabama


  • Average credit score: 654

47. Georgia


  • Average credit score: 654

46. Nevada


  • Average credit score: 655

45. Oklahoma


  • Average credit score: 656

44. Texas


  • Average credit score: 656

43. Arkansas


  • Average credit score: 657

42. South Carolina


  • Average credit score: 657

41. West Virginia


  • Average credit score: 658

40. New Mexico


  • Average credit score: 659

39. Tennessee


  • Average credit score: 662

38. Kentucky


  • Average credit score: 663

37. North Carolina


  • Average credit score: 666

36. Indiana


  • Average credit score: 667

35. Alaska


  • Average credit score: 668

34. Florida


  • Average credit score: 668

33. Arizona


  • Average credit score: 669

32. Delaware


  • Average credit score: 672

31. Maryland


  • Average credit score: 672

30. Missouri


  • Average credit score: 675

29. Michigan


  • Average credit score: 677

28. Ohio


  • Average credit score: 678

27. Wyoming


  • Average credit score: 678

26. California


  • Average credit score: 680

25. Kansas


  • Average credit score: 680

24. Virginia


  • Average credit score: 680

23. Idaho


  • Average credit score: 681

22. Illinois


  • Average credit score: 683

21. Utah


  • Average credit score: 683

20. New Jersey


  • Average credit score: 686

19. Pennsylvania


  • Average credit score: 687

18. Rhode Island


  • Average credit score: 687

17. Colorado


  • Average credit score: 688

16. New York


  • Average credit score: 688

15. Oregon


  • Average credit score: 688

14. Maine


  • Average credit score: 689

13. Montana


  • Average credit score: 689

12. Connecticut


  • Average credit score: 690

11. Hawaii


  • Average credit score: 693

10. Washington


  • Average credit score: 693

9. Iowa


  • Average credit score: 695

8. Nebraska


  • Average credit score: 695

7. Wisconsin


  • Average credit score: 696

6. North Dakota


  • Average credit score: 697

5. Massachusetts


  • Average credit score: 699

4. South Dakota


  • Average credit score: 700

3. New Hampshire


  • Average credit score: 701

2. Vermont


  • Average credit score: 702

1. Minnesota


  • Average credit score: 709

More on Credit

This article originally appeared on GOBankingRates.com: The Average Credit Score in Every State — How Do You Stack Up?