The 10 Best and Worst Cities for Money Management

1. Cupertino, Calif.

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Average Credit Score: 746.41

Credit Card Debt-to-Income Ratio: 5%

Mortgage Debt-to-Income Ratio: 572%

Car Loan Debt-to-Income Ratio: 19%

Student Loan Debt-to-Income Ratio: 50%

Average Number of Late Payments: 0.57

2. Saratoga, Calif.

Average Credit Score: 755.7

Credit Card Debt-to-Income Ratio: 7%

Mortgage Debt-to-Income Ratio: 719%

Car Loan Debt-to-Income Ratio: 21%

Student Loan Debt-to-Income Ratio: 31%

Average Number of Late Payments: 0.45

3. Laguna Woods, Calif.

Average Credit Score: 749.6

Credit Card Debt-to-Income Ratio: 12%

Mortgage Debt-to-Income Ratio: 635%

Car Loan Debt-to-Income Ratio: 43%

Student Loan Debt-to-Income Ratio: 154%

Average Number of Late Payments: 0.73

4. Los Altos, Calif.

Average Credit Score: 754.12

Credit Card Debt-to-Income Ratio: 8%

Mortgage Debt-to-Income Ratio: 772%

Car Loan Debt-to-Income Ratio: 19%

Student Loan Debt-to-Income Ratio: 55%

Average Number of Late Payments: 0.51

5. Lexington, Mass.

Average Credit Score: 750.59

Credit Card Debt-to-Income Ratio: 8%

Mortgage Debt-to-Income Ratio: 501%

Car Loan Debt-to-Income Ratio: 19%

Student Loan Debt-to-Income Ratio: 53%

Average Number of Late Payments: 0.72

6. Sun City Center, Fla.

Average Credit Score: 753.05

Credit Card Debt-to-Income Ratio: 15%

Mortgage Debt-to-Income Ratio: 424%

Car Loan Debt-to-Income Ratio: 55%

Student Loan Debt-to-Income Ratio: 97%

Average Number of Late Payments: 0.68

7. Pittsford, N.Y.

Average Credit Score: 749.49

Credit Card Debt-to-Income Ratio: 14%

Mortgage Debt-to-Income Ratio: 313%

Car Loan Debt-to-Income Ratio: 27%

Student Loan Debt-to-Income Ratio: 58%

Average Number of Late Payments: 0.74

8. Palo Alto, Calif.

Average Credit Score: 733.08

Credit Card Debt-to-Income Ratio: 9%

Mortgage Debt-to-Income Ratio: 869%

Car Loan Debt-to-Income Ratio: 24%

Student Loan Debt-to-Income Ratio: 54%

Average Number of Late Payments: 0.52

9. Scarsdale, N.Y.

Average Credit Score: 745.87

Credit Card Debt-to-Income Ratio: 10%

Mortgage Debt-to-Income Ratio: 476%

Car Loan Debt-to-Income Ratio: 15%

Student Loan Debt-to-Income Ratio: 46%

Average Number of Late Payments: 0.87

10. Chevy Chase, Md.

Average Credit Score: 742.2

Credit Card Debt-to-Income Ratio: 11%

Mortgage Debt-to-Income Ratio: 605%

Car Loan Debt-to-Income Ratio: 20%

Student Loan Debt-to-Income Ratio: 48%

Average Number of Late Payments: 0.53

10. Collegeville, Pa.

Average Credit Score: 727.42

Credit Card Debt-to-Income Ratio: 97%

Mortgage Debt-to-Income Ratio: 2812%

Car Loan Debt-to-Income Ratio: 213%

Student Loan Debt-to-Income Ratio: 475%

Average Number of Late Payments: 1.65

9. State College, Pa.

Average Credit Score: 712.69

Credit Card Debt-to-Income Ratio: 90%

Mortgage Debt-to-Income Ratio: 3231%

Car Loan Debt-to-Income Ratio: 287%

Student Loan Debt-to-Income Ratio: 606%

Average Number of Late Payments: 1.2

8. East Stroudsburg, Pa.

Average Credit Score: 653.05

Credit Card Debt-to-Income Ratio: 50%

Mortgage Debt-to-Income Ratio: 1207%

Car Loan Debt-to-Income Ratio: 132%

Student Loan Debt-to-Income Ratio: 233%

Average Number of Late Payments: 4.42

7. Mount Pleasant, Mich.

Average Credit Score: 666.94

Credit Card Debt-to-Income Ratio: 78%

Mortgage Debt-to-Income Ratio: 1812%

Car Loan Debt-to-Income Ratio: 238%

Student Loan Debt-to-Income Ratio: 497%

Average Number of Late Payments: 3.01

6. East Lansing, Mich.

Average Credit Score: 690

Credit Card Debt-to-Income Ratio: 91%

Mortgage Debt-to-Income Ratio: 2830%

Car Loan Debt-to-Income Ratio: 250%

Student Loan Debt-to-Income Ratio: 745%

Average Number of Late Payments: 1.31

5. Pullman, Wash.

Average Credit Score: 689

Credit Card Debt-to-Income Ratio: 62%

Mortgage Debt-to-Income Ratio: 2757%

Car Loan Debt-to-Income Ratio: 269%

Student Loan Debt-to-Income Ratio: 502%

Average Number of Late Payments: 1.4

4. College Park, Md.

Average Credit Score: 673

Credit Card Debt-to-Income Ratio: 77%

Mortgage Debt-to-Income Ratio: 3278%

Car Loan Debt-to-Income Ratio: 247%

Student Loan Debt-to-Income Ratio: 723%

Average Number of Late Payments: 1.96

3. Gettysburg, Pa.

Average Credit Score: 697.4

Credit Card Debt-to-Income Ratio: 103%

Mortgage Debt-to-Income Ratio: 3328%

Car Loan Debt-to-Income Ratio: 293%

Student Loan Debt-to-Income Ratio: 650%

Average Number of Late Payments: 1.93

2. Athens, Ohio

Average Credit Score: 680.57

Credit Card Debt-to-Income Ratio: 113%

Mortgage Debt-to-Income Ratio: 2868%

Car Loan Debt-to-Income Ratio: 334%

Student Loan Debt-to-Income Ratio: 730%

Average Number of Late Payments: 1.35

1. Boone, N.C.

Average Credit Score: 690.16

Credit Card Debt-to-Income Ratio: 112%

Mortgage Debt-to-Income Ratio: 3997%

Car Loan Debt-to-Income Ratio: 404%

Student Loan Debt-to-Income Ratio: 537%

Average Number of Late Payments: 1.88