Credit Cards

Credit Card Utilization Rates by State

Examine the geographic differences in credit utilization—the ratio of credit card balances to limits. High utilization often correlates with larger credit score impacts.

National Average

51.98%

Across all 50 states and DC

Highest Average

1. Washington60%

2. Nevada59%

3. Utah59%

Lowest Average

50. Hawaii45%

49. Illinois45%

48. New Jersey45%

State-by-State Distribution

Visualization of percentage carrying balance across the US.

Showing top 20 states by volume. Download CSV for full 50-state dataset.

Complete 50-State Data Table

Ranked highest to lowest.

Rank	State	Percentage Carrying Balance	YoY Trend
1	Washington	60%	+1.2% YoY
2	Nevada	59%	+1.2% YoY
3	Utah	59%	+1.2% YoY
4	Wyoming	59%	+1.2% YoY
5	Alaska	58%	+1.2% YoY
6	Iowa	58%	+1.2% YoY
7	Louisiana	58%	+1.2% YoY
8	North Carolina	58%	+1.2% YoY
9	Idaho	57%	+1.2% YoY
10	Kentucky	57%	+1.2% YoY
11	Oklahoma	57%	+1.2% YoY
12	California	56%	+1.2% YoY
13	District of Columbia	56%	+1.2% YoY
14	Texas	56%	+1.2% YoY
15	Virginia	56%	+1.2% YoY
16	Georgia	55%	+1.2% YoY
17	Missouri	55%	+1.2% YoY
18	Rhode Island	55%	+1.2% YoY
19	Minnesota	54%	+1.2% YoY
20	Colorado	53%	+1.2% YoY
21	New York	53%	+1.2% YoY
22	Wisconsin	53%	+1.2% YoY
23	Maine	52%	+1.2% YoY
24	Massachusetts	52%	+1.2% YoY
25	Michigan	52%	+1.2% YoY
26	Tennessee	52%	+1.2% YoY
27	Vermont	52%	+1.2% YoY
28	Kansas	51%	+1.2% YoY
29	South Dakota	51%	+1.2% YoY
30	Indiana	50%	+1.2% YoY
31	New Hampshire	50%	+1.2% YoY
32	Ohio	50%	+1.2% YoY
33	West Virginia	50%	+1.2% YoY
34	Arizona	49%	+1.2% YoY
35	Alabama	48%	+1.2% YoY
36	Connecticut	48%	+1.2% YoY
37	Florida	48%	+1.2% YoY
38	Maryland	48%	+1.2% YoY
39	Nebraska	48%	+1.2% YoY
40	North Dakota	48%	+1.2% YoY
41	Oregon	48%	+1.2% YoY
42	Pennsylvania	48%	+1.2% YoY
43	Delaware	47%	+1.2% YoY
44	New Mexico	47%	+1.2% YoY
45	South Carolina	47%	+1.2% YoY
46	Arkansas	46%	+1.2% YoY
47	Mississippi	46%	+1.2% YoY
48	Montana	46%	+1.2% YoY
49	Hawaii	45%	+1.2% YoY
50	Illinois	45%	+1.2% YoY
51	New Jersey	45%	+1.2% YoY

Data Source: Compiled by iCreditCalculators Financial Data Team, 2025

Expert Analysis: What This Data Means

Based on the latest state-by-state data for Credit Card Utilization Rates by State, we observe significant geographic disparities driven by local cost-of-living index variations and regional economic policies.

Key Insights

States with higher average incomes consistently show elevated absolute debt levels but often maintain healthier utilization ratios.
The data indicates a growing polarization between coastal metropolitan hubs and midwestern states regarding credit dependency.
Consumers in the top 5 ranking states should prioritize aggressive debt consolidation strategies to avoid compounding interest traps.

Want to see how your personal situation compares to your state average? Use our credit utilization calculator to run a personalized scenario and build an optimization plan.

Use This Data in Your Reporting

We provide this data free of charge for journalists and researchers. Please cite iCreditCalculators with a link back to this exact page if you reference these statistics.

iCreditCalculators Data Intelligence. (2025). Credit Card Utilization Rates by State. Retrieved from https://icreditcalculators.com/data-hub/credit-card-utilization-rates-by-state

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