The Average Credit Score in Every State

As a whole, the average US credit score in 2022 is 716. 

Given that a score between 670-739 is considered good credit and there was an average five-point increase from 2020, it shows many Americans are on the right track. 

But to go even deeper here’s the average credit score in every state based on the most recent data from Experian.

Alabama

Average Credit Score: 691

At 25 points below the national average, Alabama has the third-lowest average credit score on our list. 

That said, it did rise by five points from 2020 to 2021, jumping from 686 to 691, indicating that it’s heading in a positive direction. 

Alaska

Average Credit Score: 717

With a score of 717, Alaska is one of the higher-ranking states on our list and isn’t too far from reaching very good credit status, which starts at 740. 

Also, the average credit score increased by three points from 714 in 2020. 

Arizona

Average Credit Score: 710

Rising four points from 706 to 710 year-over-year, Arizona residents have maintained a solid average credit score.

They’re right in the heart of the good credit range of 670-739 and are following a positive trajectory. 

Arkansas

Average Credit Score: 694

At 694, Arkansas is one of the 10 states in the US that had a score of under 700 in 2021. 

However, like every single state on our list, Arkansas has seen its average credit score rise, increasing by four points from 690 in 2020 to 694 in 2021. 

California

Average Credit Score: 721

While not quite as high as some other states, California clocked a healthy score of 721 on average. 

There was also a five-point bump from 716 in 2020, situating it fairly close to very good credit territory. 

Colorado

Average Credit Score: 728

Speaking of healthy credit scores, Colorado collectively hit 728 in 2021, which was up three points from 725 in 2020. 

This makes Colorado one of the highest-ranking states on our list and means most of its residents are spending responsibly.

Connecticut

Average Credit Score: 728

Also at 728, Connecticut ties Colorado with its average credit score and shows it’s definitely doing something right when it comes to spending. 

Note that the score also saw a healthy increase of five points year-over-year from 723 in 2020. 

Delaware

Average Credit Score: 714

Delaware falls right about in the middle of our list with its average credit score. 

It’s considerably higher than some states in the 680s but not as high as states in the 730s or higher. 

As for growth between 2020 and 2021, Delaware’s collective score rose by four points from 710 to 714.

Florida

Average Credit Score: 706

With a score of 706, Florida ranks as one of the lower scores on our list—something I found a bit surprising given it ranks eighth in the country for overall economic outlook. 

However, it still sits respectably in the good credit range, and Floridians saw their average score increase by five points over the past year.

Georgia 

Average Credit Score: 693

Georgia is one of a smaller group of states that failed to reach a 700 credit score in 2021. In fact, it’s one of the lowest scores on the list. 

That said, there was positive growth year-over-year, rising by four points from 689 in 2020.

Hawaii

Average Credit Score: 732

Sitting at 732 in 2021, Hawaii ranks in the top ten on our list and saw a five-point increase from 727 in 2020.

Clearly, Hawaiians understand credit best practices, are smart spenders, and are following a positive trajectory.

Idaho

Average Credit Score: 725

Not too far behind Hawaii is Idaho with an average credit score of 725. 

This state also saw a five-point increase year-over-year, going from 720 in 2020 to 725 in 2021, indicating good spending habits and positive credit growth.  

Illinois

Average Credit Score: 719

With a score of 719, Illinois sits solidly on the list. 

While there was only a three-point increase from 716 in 2020, which was lower than many other states, Illinois is definitely heading in the right direction.

Indiana

Average Credit Score: 712

Indiana ranks right in the middle for the average credit score among states in America. 

Like many others, it saw a five-point increase from 707 in 2020 to 712 in 2021, indicating its residents are adopting smarter spending habits.

Iowa

Average Credit Score: 729

Sitting at 729 in 2021, Iowa had one of the more impressive average credit scores in the US. 

In terms of year-over-year growth, there was a three-point increase from 726 in 2020, meaning it’s looking good overall. 

Kansas 

Average Credit Score: 721

Not too far behind Iowa is Kansas, boasting a respectable score in its own right of 721. 

Like every state on this list, there was an increase in average credit score, jumping four points from 717 in 2020, marking a decent improvement. 

Kentucky

Average Credit Score: 702

Kentucky barely hit the 700 credit score threshold, reaching 702 in 2021. 

While there’s certainly room for improvement in this state, there was solid growth from the 698 score the prior year, showing Kansas is moving in the right direction.&