Americans paid off nearly $100 billion in credit card debt in the early months of the pandemic, as shutdowns across the country found much of the population isolating in their homes and therefore not spending as much. Over the past year, however, debt from credit cards and other revolving plans has surged, hitting an all-time high of $1.1 trillion in April 2022, the most recent month of available data.

According to a credit card debt study from WalletHub, a financial advice company, the average American household had $8,425 in credit card debt in the first quarter of 2022, up 3.1% from a year earlier. In some parts of the country, however, average debt per household exceeds that amount by thousands of dollars.

In Pembroke Pines, Florida, total outstanding credit card debt stood at $801.2 million in the first quarter of 2022, or an average of $13,307 per household – well above the national average and among the most of any large U.S. city.

Many cities with high credit card debt also have higher than average incomes, and Pembroke Pines is no exception. The typical household in the city earns $68,683 annually, compared to the national median household income of $64,994, according to five-year estimates from the U.S. Census Bureau’s American Community Survey.

 

Rank	City	Avg. household credit card debt ($)	Total credit card debt ($)	Median household income ($)
1	Pearl City, HI	15,709	222.6 mil.	101,517
2	New York, NY	15,433	49.3 bil.	67,046
3	Santa Clarita, CA	14,937	1 bil.	100,932
4	Chula Vista, CA	14,861	1.2 bil.	86,132
5	Chesapeake, VA	14,576	1.3 bil.	81,261
6	Oxnard, CA	13,956	712 mil.	77,050
7	Anchorage, AK	13,925	1.5 bil.	84,813
8	Santa Ana, CA	13,892	1.1 bil.	72,406
9	Virginia Beach, VA	13,709	2.4 bil.	78,136
10	Scottsdale, AZ	13,623	1.6 bil.	91,042
11	Plano, TX	13,573	1.5 bil.	96,348
12	Juneau, AK	13,486	173.7 mil.	88,077
13	Gilbert, AZ	13,438	1.1 bil.	99,154
14	Pembroke Pines, FL	13,307	801.2 mil.	68,683
15	Riverside, CA	13,234	1.2 bil.	72,738
16	Norfolk, VA	13,223	1.2 bil.	53,026
17	Fort Lauderdale, FL	13,115	983.2 mil.	64,313
18	Rancho Cucamonga, CA	12,849	738.6 mil.	92,290
19	Huntington Beach, CA	12,713	986.4 mil.	97,469
20	Fontana, CA	12,709	703.7 mil.	75,681
21	Irvine, CA	12,684	1.2 bil.	108,318
22	San Antonio, TX	12,678	6.5 bil.	53,420
23	Boston, MA	12,671	3.5 bil.	76,298
24	Oceanside, CA	12,618	771.1 mil.	75,411
25	Glendale, CA	12,590	941.3 mil.	70,596
26	Los Angeles, CA	12,566	17.6 bil.	65,290
27	Anaheim, CA	12,479	1.3 bil.	76,723
28	Garden Grove, CA	12,446	595.4 mil.	73,611
29	Honolulu, HI	12,429	1.6 bil.	72,454
30	New Orleans, LA	12,419	1.9 bil.	43,258
31	Washington, DC	12,412	3.6 bil.	90,842
32	San Diego, CA	12,401	6.3 bil.	83,454
33	Dallas, TX	12,363	6.5 bil.	54,747
34	Ontario, CA	12,308	622.8 mil.	67,357
35	Atlanta, GA	12,297	2.6 bil.	64,179
36	Columbia, SC	12,221	578.1 mil.	47,416
37	Austin, TX	12,215	4.8 bil.	75,752
38	San Jose, CA	12,168	3.9 bil.	117,324
39	Corpus Christi, TX	12,120	1.4 bil.	57,387
40	Moreno Valley, CA	11,948	615.8 mil.	70,385
41	Columbia, MD	11,922	491.9 mil.	111,278
42	San Francisco, CA	11,917	4.3 bil.	119,136
43	Henderson, NV	11,747	1.4 bil.	75,430
44	Charleston, SC	11,707	670 mil.	72,071
45	Miami, FL	11,597	2.1 bil.	44,268
46	Chandler, AZ	11,528	1.1 bil.	85,796
47	Fort Worth, TX	11,472	3.5 bil.	64,567
48	Cape Coral, FL	11,470	801.9 mil.	61,780
49	Overland Park, KS	11,447	914.5 mil.	87,629
50	Long Beach, CA	11,339	1.9 bil.	66,410