Key takeaways
Average Credit Score by State
Minnesota has the highest average credit
Minnesota
Minnesota has the highest average credit score of any state at 741 in 2025.
Mississippi has the lowest average score at
Mississippi
Mississippi has the lowest average score at 677, a 64-point gap below Minnesota. Vermont and Wisconsin tie for second at 737, and New Hampshire ranks fourth at 735.
The national average FICO Score fell to
Louisiana
The national average FICO Score fell to 713 in 2025, its first annual decline since 2013. Louisiana dropped 4 points to 686, the largest fall of any state, while Illinois, Maine, and Vermont held steady.
Map
Average Credit Score by State Map
| Rank | State | Avg. Score |
|---|---|---|
| 1 | Minnesota | 741 |
| 2 | Vermont | 737 |
| 2 | Wisconsin | 737 |
| 4 | New Hampshire | 735 |
| 5 | Washington | 734 |
| 6 | Massachusetts | 731 |
| 6 | Maine | 731 |
| 6 | South Dakota | 731 |
| 9 | Hawaii | 730 |
| 9 | Montana | 730 |
| 9 | North Dakota | 730 |
| 9 | Oregon | 730 |
| 13 | Colorado | 729 |
| 13 | Idaho | 729 |
| 15 | Iowa | 728 |
| 15 | Nebraska | 728 |
| 15 | Utah | 728 |
| 18 | Connecticut | 724 |
| 19 | New Jersey | 722 |
| 19 | Wyoming | 722 |
| 21 | California | 721 |
| 21 | Virginia | 721 |
| 23 | Alaska | 720 |
| 23 | Illinois | 720 |
| 23 | Kansas | 720 |
| 23 | Pennsylvania | 720 |
| 27 | New York | 719 |
| 27 | Rhode Island | 719 |
| 29 | Michigan | 717 |
| 30 | Maryland | 714 |
| 31 | Delaware | 713 |
| 31 | Ohio | 713 |
| 33 | Missouri | 712 |
| 34 | Indiana | 710 |
| 35 | Arizona | 709 |
| 36 | North Carolina | 707 |
| 37 | Florida | 704 |
| 37 | Kentucky | 704 |
| 39 | Tennessee | 703 |
| 40 | New Mexico | 701 |
| 41 | Nevada | 699 |
| 41 | South Carolina | 699 |
| 41 | West Virginia | 699 |
| 44 | Arkansas | 693 |
| 44 | Oklahoma | 693 |
| 46 | Georgia | 692 |
| 46 | Texas | 692 |
| 48 | Alabama | 689 |
| 49 | Louisiana | 686 |
| 50 | Mississippi | 677 |
Minnesota has the highest average credit score at 741. Mississippi has the lowest at 677, a 64-point gap between the top and bottom states.
2025 Avg. Score: highest, median, and lowest
Average Credit Score by State Table
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|
Rank
|
State
|
2025 Avg. Score
|
2024 Avg. Score
|
YoY Change
|
|---|---|---|---|---|
| 1 |
Minnesota
|
741 | 742 | -1 |
| 2 |
Vermont
|
737 | 737 | 0 |
| 2 |
Wisconsin
|
737 | 738 | -1 |
| 4 |
New Hampshire
|
735 | 736 | -1 |
| 5 |
Washington
|
734 | 735 | -1 |
| 6 |
Massachusetts
|
731 | 732 | -1 |
| 6 |
Maine
|
731 | 731 | 0 |
| 6 |
South Dakota
|
731 | 734 | -3 |
| 9 |
Hawaii
|
730 | 732 | -2 |
| 9 |
Montana
|
730 | 732 | -2 |
| 9 |
North Dakota
|
730 | 733 | -3 |
| 9 |
Oregon
|
730 | 732 | -2 |
| 13 |
Colorado
|
729 | 731 | -2 |
| 13 |
Idaho
|
729 | 730 | -1 |
| 15 |
Iowa
|
728 | 730 | -2 |
| 15 |
Nebraska
|
728 | 731 | -3 |
| 15 |
Utah
|
728 | 730 | -2 |
| 18 |
Connecticut
|
724 | 726 | -2 |
| 19 |
New Jersey
|
722 | 724 | -2 |
| 19 |
Wyoming
|
722 | 725 | -3 |
| 21 |
California
|
721 | 722 | -1 |
| 21 |
Virginia
|
721 | 723 | -2 |
| 23 |
Alaska
|
720 | 722 | -2 |
| 23 |
Illinois
|
720 | 720 | 0 |
| 23 |
Kansas
|
720 | 722 | -2 |
| 23 |
Pennsylvania
|
720 | 722 | -2 |
| 27 |
New York
|
719 | 721 | -2 |
| 27 |
Rhode Island
|
719 | 721 | -2 |
| 29 |
Michigan
|
717 | 719 | -2 |
| 30 |
Maryland
|
714 | 715 | -1 |
| 31 |
Delaware
|
713 | 714 | -1 |
| 31 |
Ohio
|
713 | 716 | -3 |
| 33 |
Missouri
|
712 | 714 | -2 |
| 34 |
Indiana
|
710 | 712 | -2 |
| 35 |
Arizona
|
709 | 712 | -3 |
| 36 |
North Carolina
|
707 | 709 | -2 |
| 37 |
Florida
|
704 | 707 | -3 |
| 37 |
Kentucky
|
704 | 705 | -1 |
| 39 |
Tennessee
|
703 | 706 | -3 |
| 40 |
New Mexico
|
701 | 702 | -1 |
| 41 |
Nevada
|
699 | 701 | -2 |
| 41 |
South Carolina
|
699 | 700 | -1 |
| 41 |
West Virginia
|
699 | 702 | -3 |
| 44 |
Arkansas
|
693 | 695 | -2 |
| 44 |
Oklahoma
|
693 | 696 | -3 |
| 46 |
Georgia
|
692 | 695 | -3 |
| 46 |
Texas
|
692 | 695 | -3 |
| 48 |
Alabama
|
689 | 692 | -3 |
| 49 |
Louisiana
|
686 | 690 | -4 |
| 50 |
Mississippi
|
677 | 680 | -3 |
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Distribution
How 2025 avg. score varies across 50 states
The top three states account for 6.2% of the combined total.
States With the Highest and Lowest Credit Scores
Highest
741
Minnesota
Lowest
677
Mississippi
Top 10 Highest — 2025 Avg. Score
Top 10 Lowest — 2025 Avg. Score
States With the Highest Credit Scores
Minnesota has the highest average credit score at 741, ahead of Vermont and Wisconsin, which tie for second at 737. New Hampshire ranks fourth at 735, and Washington is fifth at 734.
Vermont held steady at 737 with no change from 2024, while Wisconsin slipped 1 point. South Dakota dropped 3 points to 731 but still ties for sixth alongside Massachusetts and Maine.
| Rank | State | 2025 Avg. Score | YoY Change |
|---|---|---|---|
| 1 | Minnesota | 741 | -1 |
| 2 | Vermont | 737 | 0 |
| 2 | Wisconsin | 737 | -1 |
| 4 | New Hampshire | 735 | -1 |
| 5 | Washington | 734 | -1 |
| 6 | Massachusetts | 731 | -1 |
| 6 | Maine | 731 | 0 |
| 6 | South Dakota | 731 | -3 |
| 9 | Hawaii | 730 | -2 |
| 9 | Montana | 730 | -2 |
States With the Lowest Credit Scores
Mississippi has the lowest average credit score at 677, 9 points below Louisiana at 686. Alabama ranks third-lowest at 689, and Georgia and Texas tie for the next spot at 692 each.
Nevada, South Carolina, and West Virginia tie at 699, just under the 700 mark. Louisiana's 4-point drop from 690 to 686 is the steepest decline among these ten states.
| Rank | State | 2025 Avg. Score | YoY Change |
|---|---|---|---|
| 50 | Mississippi | 677 | -3 |
| 49 | Louisiana | 686 | -4 |
| 48 | Alabama | 689 | -3 |
| 46 | Georgia | 692 | -3 |
| 46 | Texas | 692 | -3 |
| 44 | Arkansas | 693 | -2 |
| 44 | Oklahoma | 693 | -3 |
| 41 | Nevada | 699 | -2 |
| 41 | South Carolina | 699 | -1 |
| 41 | West Virginia | 699 | -3 |
Biggest Credit Score Drops by State
The national average FICO Score fell to 713 in 2025 from 715 in 2024, the first annual decline since 2013. Louisiana posted the single largest state drop, falling 4 points from 690 to 686.
South Dakota, North Dakota, Nebraska, and Wyoming fell 3 points each. Illinois, Maine, and Vermont recorded no change in 2025.
| State | 2024 Avg. Score | 2025 Avg. Score | YoY Change |
|---|---|---|---|
|
Louisiana
|
690 | 686 | -4 |
|
South Dakota
|
734 | 731 | -3 |
|
North Dakota
|
733 | 730 | -3 |
|
Nebraska
|
731 | 728 | -3 |
|
Wyoming
|
725 | 722 | -3 |
Quick Answers
Which state has the highest credit score?
Which state has the lowest credit score?
What is the average credit score in the US?
What is the average credit score in Texas?
Which states had the biggest credit score drop in 2025?
Did any state's credit score stay the same in 2025?
Methodology
Scores are Experian's FICO Score 8 averages as of year-end 2025, compared against year-end 2024 figures. The District of Columbia is excluded.
Sources
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