Quality of Life
California vs Texas: Average Credit Score
California has a higher average credit score than Texas.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for average credit score.
California
#21 · 721
Texas
#47 · 692
Lowest
Highest
Top 10 States — Average Credit Score
#1
Minnesota
741
Minnesota
#2
Vermont
737
Vermont
#3
Wisconsin
737
Wisconsin
#4
New Hampshire
735
New Hampshire
#5
Washington
734
Washington
#6
Maine
731
Maine
#7
Massachusetts
731
Massachusetts
#8
South Dakota
731
South Dakota
#9
Hawaii
730
Hawaii
#10
Montana
730
Montana
Selected states
#21
California
721
California
#47
Texas
692
Texas
California ranks 21st and Texas ranks 47th nationally for average credit score.
What this means
California vs Texas: Average Credit Score in context
California's average credit score is 721, compared with 692 in Texas. Average consumer credit score by state in 2025.
California
721
Texas
692
People also ask
California vs Texas Average Credit Score — common questions
QWhat is California's average credit score?
California's average credit score is 721.
QWhat is Texas's average credit score?
Texas's average credit score is 692.
QWhich state has a higher average credit score — California or Texas?
California has a higher average credit score than Texas.
More comparisons: California vs Texas
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Data source and freshness
Primary source
Data period
2025
Dataset reviewed
July 23, 2026
Method note
Average score copied from the maintained ranking table.