On Thursday, WalletHub released its list of the cities with the highest credit scores in the country.
The ranking examines the median credit scores of residents from across 182 American cities to “give credit where credit is literally and figuratively due.”
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“If you’ve ever applied for a loan or credit card, you know that your credit score is more than just a three-digit number,” the study reads. “It’s a representation of your financial habits. And it tends to speak volumes, especially about how well you manage your debts.”
According to WalletHub, the list was constructed using the credit scores as of Q4 last year, based on proprietary data gathered by researchers.
Nationally, the city with the highest credit score was South Burlington in Vermont, which managed a whopping 701 points.
“South Burlington, VT residents have the highest average credit score in the study, at 701. That puts them into the good credit range. Since residents are financially responsible, it’s not surprising that they also have good incomes. The median income is nearly $73,000, ranking 21st among the 182 cities in our study.
South Burlington is a relatively small city, with only around 20,000 residents, and since people are handling their finances well, it’s no wonder why it’s also one of the happiest cities in America.”
WalletHub, "Cities with the Highest & Lowest Credit Scores (2025)"
However, one city in the Sunshine State managed to crack the top 10 on the list: Port St. Lucie, which scored 672 points, landing it in ninth place.
The remaining Florida cities included in the ranking were as follows:
| Rank | City | Credit Score |
|---|---|---|
| 9 | Port St. Lucie | 672 |
| 23 | Pembroke Pines | 658 |
| 33 | Miami | 652 |
| 40 | Fort Lauderdale | 647 |
| 41 | Cape Coral | 646 |
| 53 | Hialeah | 640 |
| 55 (Tied with four others) | St. Petersburg | 638 |
| 60 (Tied with six others) | Tallahassee | 637 |
| 73 (Tied with 10 others) | Tampa | 631 |
| 92 (Tied with one other) | Orlando | 628 |
| 114 | Jacksonville | 619 |
In addition, WalletHub provided the following tips for improving your credit score:
- Always pay on time: Try to make at least the minimum payment on all credit accounts by the due date each month. Automatic payments can be a good tool to achieve this.
- Keep credit use low: Strive to use below 30% of your credit limit at a time, as credit utilization is a big component in a credit score. The ideal credit utilization is around 1% - 10%, though anything below 30% is fine.
- Regularly check your credit reports: Regularly monitor credit reports from major credit bureaus to identify any potential errors or inaccuracies. Dispute any discrepancies promptly to ensure the accuracy of your credit report, which may boost your credit score.
- Avoid opening multiple accounts at once: Limit the number of new credit accounts you open within a short period, as each new account application can temporarily lower your credit score. It’s best to wait at least six months between applications to give your score enough recovery time.
- Don’t close unused accounts: The length of credit history is another big component in calculating your credit score. As such, closing older credit cards or lines of credit that you no longer use can shorten your average account age and possibly lower your score. However, feel free to close unused accounts that may carry an annual fee.