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Reviewed By:
Ashley Davison
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world every...
Average credit scores by state range from 741 in Minnesota to 677 in Mississippi, based on Experian’s 2025 data. See where your state ranks and get tips for improving your credit score no matter where you live.
According to Experian, the average FICO Score in the United States was 713 in 2025, down two points from 2024. FICO’s own 2026 reports put the national average at 714. The average VantageScore 4.0 was 701 as of September 2026.
Overall, Americans have good credit. Minnesota has the highest average score at 741, the only state with a “Very Good” average (740 or higher). Mississippi has the lowest at 677, which still falls in the “Good” range.
This page uses Experian’s average FICO Score data for all 50 states and the District of Columbia, published in March 2026. Read on to see which states have the best and worst average credit scores, and get tips for improving your score no matter where you live.
Key Takeaways
The average FICO® Score in the U.S. fell two points to 713 in 2025, according to Experian.
Minnesota has the highest average credit score at 741.
Mississippi has the lowest at 677.
There is a 64-point difference between the highest average credit score and the lowest.
What is a good credit score?
Generally, a credit score above 670 is widely recognized by many lenders as a reliable indicator of good creditworthiness.
A good credit score demonstrates to lenders that you are a dependable borrower. Each lender sets its own standards for what it considers a good credit score and determines how to apply this score, along with other information, during the loan approval process.
Having good credit matters most when you’re making big money moves, like securing a home or auto loan, renting an apartment, applying for a credit card, or getting insurance coverage. Good credit can lead to more favorable interest rates and lower monthly payments.
It’s good to know where you stand so you can plan for building or repairing your credit if needed.
Open Carefully: Don’t open several new credit accounts at the same time; it can lower your credit score.
Maintain History: Keep old credit accounts open to show a longer credit history, which helps your score.
Check Regularly: Check your credit report for mistakes now and then, and fix any errors you see.
Sticking to these habits can help you improve your credit score over time and strengthen your overall financial health.
Remember, a better credit score can open doors to lower interest rates and more favorable loan terms in the future.
Methodology
Average FICO Score data for each state and the District of Columbia comes from Experian (2025 data, published March 2026). National averages come from Experian, FICO and VantageScore, as linked above.
Fair Use Statement: You can share this page for noncommercial purposes so others can see credit score averages across America. Please link back to this page so readers can see the full list.
Bottom Line on Average Credit Scores by State
Average credit scores by state range from 741 in Minnesota to 677 in Mississippi, a 64-point gap, based on Experian’s 2025 data. Wherever you live, the same habits help your score: pay on time, keep card balances low, avoid opening many new accounts at once and check your credit reports for errors.
Reviewed By:
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world everything she knows and learn everything that she doesn’t! Ashley is a FICO® certified professional, a Board Certified Credit Consultant, a Certified Credit Score Consultant with the Credit Consultants Association of America, UDAAP certified, and holds a Fair Credit Reporting Act (FCRA) Compliance Certificate.
