cities with the highest credit scores
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Credit scores are a key indicator of financial health, and the averages a city holds on credit scores can help paint a picture of its residents economic well-being. Although these scores don’t tell the whole story (especially since they don’t include income), they can serve as a useful financial barometer.

So, what cities have that barometer pointing to good financial health? LendEdu.com worked with the credit bureau Experian to identify the cities with the highest credit scores. We also looked at median household income, which was found via the United States Census Bureau. (Overall, median household income in the United States was $55,322, according to 2012-2016 American Community Survey 5-Year Estimates.)

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Read on to see which made the list of the top 20 cities with the highest credit scores in the United States. You can also see which cities scored the lowest here.

1. The Villages, FL

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  • Credit Score: 804
  • Percentage above the national average: 19%
  • Number of points above the national average: 129
  • Median Household Income: $59,318
  • Percentage above the national median: 7%

2. Sun City West, AZ

Photo by Mark Wagner
  • Credit Score: 789
  • Percentage above the national average: 17%
  • Number of points above the national average: 114
  • Median Household Income: $44,409
  • Percentage below the national median: 20%

3. Green Valley, AZ

Photo by James Brooks
  • Credit Score: 780
  • Percentage above the national average: 16%
  • Number of points above the national average: 105
  • Median Household Income: $46,563
  • Percentage below the national median: 16%

4. Saratoga, CA

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  • Credit Score: 777
  • Percentage above the national average: 15%
  • Number of points above the national average: 102
  • Median Household Income: $169,579
  • Percentage above the national median: 207%

5. Los Altos, CA

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  • Credit Score: 776
  • Percentage above the national average: 15%
  • Number of points above the national average: 101
  • Median Household Income: $187,656
  • Percentage above the national median: 239%

6. Needham, MA

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  • Credit Score: 774
  • Percentage above the national average: 15%
  • Number of points above the national average: 99
  • Median Household Income: $139,477
  • Percentage above the national median: 152%

7. Lexington, MA

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  • Credit Score: 773
  • Percentage above the national average: 15%
  • Number of points above the national average: 98
  • Median Household Income: $152,872
  • Percentage above the national median: 176%

8. Pittsford, NY

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  • Credit Score: 770
  • Percentage above the national average: 14%
  • Number of points above the national average: 95
  • Median Household Income: $106,878
  • Percentage above the national median: 93%

9. Princeton Junction, NJ

Photo by Adam Moss
  • Credit Score: 770
  • Percentage above the national average: 14%
  • Number of points above the national average: 95
  • Median Household Income: $169,107
  • Percentage above the national median: 206%

10. Potomac, MD

  • Credit Score: 768
  • Percentage above the national average: 14%
  • Number of points above the national average: 93
  • Median Household Income: $181,890
  • Percentage above the national median: 229%

11. Mequon, WI

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  • Credit Score: 768
  • Percentage above the national average: 14%
  • Number of points above the national average: 93
  • Median Household Income: $104,691
  • Percentage above the national median: 89%

12. Chesterfield, MO

Photo by Mark Ravenscraft
  • Credit Score: 768
  • Percentage above the national average: 14%
  • Number of points above the national average: 93
  • Median Household Income: $97,090
  • Percentage above the national median: 75%

13. Cupertino, CA

Photo by Andrew Hitchcock
  • Credit Score: 767
  • Percentage above the national average: 14%
  • Number of points above the national average: 92
  • Median Household Income: $147,929
  • Percentage above the national median: 167%

14. Brookfield, WI

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  • Credit Score: 767
  • Percentage above the national average: 14%
  • Number of points above the national average: 92
  • Median Household Income: $95,956
  • Percentage above the national median: 73%

15. Verona, WI

Photo by TheCatalyst31
  • Credit Score: 766
  • Percentage above the national average: 13%
  • Number of points above the national average: 91
  • Median Household Income: $89,965
  • Percentage above the national median: 63%

16. Westford, MA

Photo by John Phelan
  • Credit Score: 766
  • Percentage above the national average: 13%
  • Number of points above the national average: 91
  • Median Household Income: $130,739
  • Percentage above the national median: 136%

17. Winchester, MA

Photo by Moonshine4711
  • Credit Score: 766
  • Percentage above the national average: 13%
  • Number of points above the national average: 91
  • Median Household Income: $149,321
  • Percentage above the national median: 170%

18. Basking Ridge, NJ

Photo by joiseyshowaa from Freehold, NJ, USA
  • Credit Score: 766
  • Percentage above the national average: 13%
  • Number of points above the national average: 91
  • Median Household Income: $132,417
  • Percentage above the national median: 139%

19. Colleyville, TX

Photo by Iheartdfw at English Wikipedia
  • Credit Score: 766
  • Percentage above the national average: 13%
  • Number of points above the national average: 91
  • Median Household Income: $162,183
  • Percentage above the national median: 193%

20. Sun City Center, FL

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  • Credit Score: 766
  • Percentage above the national average: 13%
  • Number of points above the national average: 91
  • Median Household Income: $44,691
  • Percentage below the national median: 19%

Want to learn more about credit scores? Here are 25 credit score myths you need to know about to make sure they’re not preventing you from staying on top of your credit score game.

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