Americans are in a lot of debt. The average American owes about $23,000 — and that doesn’t include mortgages. Most of that debt, according to Money.com, is thanks to credit card and auto loans.

WalletHub set out to find the cities where people are the most delinquent on their debt. Using proprietary data from the hundred largest cities, it calculated the percentage of tradelines that were delinquent in the fourth quarter of 2024 and the percentage of loan balances that were delinquent.

“Being delinquent on debt can significantly damage a person’s credit score and make it more difficult to get a credit card, rent apartments, or buy cars and homes in the future,” said WalletHub analyst Chip Lupo. “People who miss a loan payment should try to get current as quickly as possible.”

Continue reading to see which cities are the most delinquent on their debt.

#10: El Paso, Texas

#9: Bakersfield, California

#8: Baton Rouge, Louisiana

#7: Stockton, California

#6: Baltimore, Maryland

#5: Philadelphia, Pennsylvania

#4: Newark, New Jersey

#3: Detroit, Michigan

#2: San Bernardino, California

#1: Laredo, Texas