Quick answer: The average FICO® Score in Texas is 692 as of September 2025 — 21 points below the national average of 713, and one of the lowest state averages in the country. Only Mississippi (677), Louisiana (686), and Alabama (689) average lower, and Georgia ties Texas at 692 (Experian, Sept 2025 data). Within Texas, Austin consistently posts the highest big-city scores while border metros post the lowest.
Every number on this page comes from a named public source — Experian, WalletHub, the Urban Institute, and the CFPB’s public complaint database — each linked inline and again in the sources section. We compiled it because we work on credit files in Texas every day and kept finding “Texas credit statistics” pages with no citations. Where city- or age-level data doesn’t exist publicly, we say so instead of inventing it.
Key Texas credit statistics at a glance
- 692 — average FICO® Score in Texas, vs. 713 nationally (Experian, Sept 2025)
- 4th-lowest — only Mississippi, Louisiana, and Alabama average lower; Georgia ties Texas (Experian)
- 33% of Texans with a credit record have debt in collections, vs. 23% nationally (Urban Institute, Aug 2025 data)
- $2,688 — median debt in collections in Texas, vs. $2,528 nationally (Urban Institute)
- $7,467 — average credit card balance in Texas, vs. $6,730 nationally (Experian, Q3 2024)
- 789,902 consumer complaints from Texas were filed with the CFPB in 2025 — and 698,573 of them (88%) were about credit reporting (CFPB complaint database)
Texas vs. neighboring states and the U.S.
The 2025 numbers below are from Experian’s state-level FICO® Score data (as of September 2025). Nationally, the average fell to 713 in 2025 — the first annual decline since 2013 (Experian 2025 Consumer Credit Review).
| State | Average FICO® Score (2025) | vs. U.S. average (713) |
|---|---|---|
| Texas | 692 | −21 |
| New Mexico | 701 | −12 |
| Oklahoma | 693 | −20 |
| Arkansas | 693 | −20 |
| Louisiana | 686 | −27 |
| Mississippi (lowest in U.S.) | 677 | −36 |
| Minnesota (highest in U.S.) | 741 | +28 |
Source: (Experian, “What Is the Average Credit Score in the U.S.?”, September 2025 data).
Average credit score by Texas city and metro
Two public datasets cover Texas cities, and they measure different things — so we show both rather than blending them. Experian publishes average FICO® Scores for a limited set of metros; its most recent metro study (Q2 2024 data) includes four Texas metros but not Houston, Fort Worth, or El Paso (Experian metro study):
| Texas metro | Average FICO® Score (Q2 2024) | Change since 2019 |
|---|---|---|
| Austin | 719 | +15 |
| Dallas | 701 | +15 |
| San Antonio | 693 | +15 |
| Brownsville | 668 | +21 |
WalletHub publishes city-level averages from its own user data (Q4 2025). Its scores run lower across the board than bureau-published FICO averages — WalletHub’s user base skews toward people actively monitoring credit problems — so compare cities within this table, not against the FICO table above (WalletHub, Q4 2025):
| Texas city | Average credit score (WalletHub, Q4 2025) |
|---|---|
| Austin | 660 |
| Dallas | 622 |
| Houston | 617 |
| El Paso | 615 |
| San Antonio | 612 |
| Fort Worth | 612 |
| Corpus Christi | 605 |
| Laredo | 603 |
The pattern is consistent in both datasets: Austin leads Texas’s big cities by a wide margin, Dallas–Houston–San Antonio cluster together below it, and South Texas border metros trail the state.
Average credit score by age
No bureau publishes a Texas-specific age breakdown, so the figures below are national averages by generation (Experian, 2025). Because Texas skews younger than the U.S. overall, the youth-heavy end of this table is one structural reason the state average runs low.
| Generation | Average FICO® Score (2025) | Change from 2024 |
|---|---|---|
| Generation Z (18–28) | 678 | −3 |
| Millennials (29–44) | 689 | −2 |
| Generation X (45–60) | 709 | 0 |
| Baby Boomers (61–79) | 747 | +1 |
| Silent Generation (80+) | 760 | 0 |
Source: (Experian, 2025). Gen Z saw the largest decline of any generation in 2025, a drop Experian links to federal student loan delinquencies returning to credit reports (Experian 2025 Consumer Credit Review).
Debt in collections: where Texas really stands out
The single biggest measurable difference between Texas credit files and the national picture isn’t the score itself — it’s collections. Per the Urban Institute’s Debt in America project (credit bureau records from August 2025):
- 32.9% of Texans with a credit record have debt in collections, vs. 22.7% nationally
- The median Texan with collections owes $2,688, vs. $2,528 nationally
- 7.6% of Texans have medical debt in collections — more than double the national 3.2%
Source: (Urban Institute, Debt in America interactive map, October 2025 update). A collection account is one of the heaviest single negatives a credit file can carry, so a state where roughly one in three credit records has one will mathematically average lower scores. If that’s you, start with our step-by-step guide to removing collections from your credit report — inaccurate and unverifiable collections can be disputed; accurate ones cannot simply be deleted, no matter what anyone promises.
Credit card debt and utilization in Texas
Texans also carry more revolving debt than the average American. Experian’s state credit card data (Q3 2024) shows the average Texas credit card balance at $7,467 — about $737 above the national average of $6,730 — with an average utilization ratio of 33% (Experian, Q3 2024). Utilization is the second-biggest factor in a FICO® Score after payment history, and 33% is above the level generally associated with the strongest scores.
Texans file more credit reporting complaints than any category — by far
The CFPB’s public Consumer Complaint Database logged 789,902 complaints from Texas consumers in calendar year 2025. 698,573 of them — 88% — were about credit reporting or other personal consumer reports, dwarfing debt collection (52,707) and credit cards (12,077) (CFPB Consumer Complaint Database, retrieved July 3, 2026). Whatever mix of genuine bureau errors and template-driven dispute filings sits behind that number, it means credit report accuracy is the dominant consumer finance issue Texans raise with their federal regulator.
Why does Texas average lower? What the data actually supports
Commentary about Texas credit tends to be hand-wavy, so here is only what the cited data supports: Texas has a far higher share of consumers with collections on file (32.9% vs. 22.7%), more than double the national rate of medical collections, higher-than-average card balances and utilization, and a population that skews toward the younger generations whose national score averages (678–689) sit well below older cohorts. Each of those factors independently pushes a state average down. What the data does not show is anything unusual about how Texans pay their mortgages or that scores are falling faster here — in fact, every Texas metro in Experian’s study gained 15+ points between 2019 and 2024 (Experian).
Cite this page
Journalists, bloggers, and researchers are welcome to use the statistics on this page with attribution. Please credit “The Credit Agents” and link to this page as the compilation source, and cite the underlying provider (Experian, Urban Institute, WalletHub, or CFPB) for the individual number — every stat above links to its original source. Data compiled and verified July 3, 2026.
If your score is below the Texas average
We’ve worked on credit files for Houston-area clients since 2019, and the gap between a 692 and a 740 usually comes down to the same short list: collections, high utilization, and thin files. The fixes are unglamorous and they take months, not days — anyone promising a specific score jump or “guaranteed deletions” is violating the Credit Repair Organizations Act, and accurate information cannot be removed by anyone. The realistic playbook: pull all three of your reports and see exactly where you stand — free weekly reports at AnnualCreditReport.com, or a three-bureau monitoring tool like SmartCredit if you want scores and alerts in one place — then dispute what’s inaccurate, pay down revolving balances, and build positive history. Our guides on how to build credit and DIY credit repair vs. hiring a company cover the how.
Advertiser disclosure: The Credit Agents may earn a commission if you sign up for a service through links on this page, at no extra cost to you.
FAQ
What is the average credit score in Texas?
692, based on Experian’s FICO® Score data as of September 2025 — 21 points below the U.S. average of 713.
Why is the average credit score in Texas so low?
The measurable drivers: 32.9% of Texans with credit records have debt in collections (vs. 22.7% nationally, per the Urban Institute), medical collections run at more than double the national rate, average card balances and utilization are above the U.S. average, and Texas’s population skews toward younger generations, which average lower scores nationally.
Which Texas city has the highest average credit score?
Austin, in both public datasets: 719 average FICO® Score in Experian’s Q2 2024 metro data, and the highest large-city average in WalletHub’s Q4 2025 city data (660 on its lower-running scale).
Is a 692 credit score good?
It sits in the “good” FICO® range (670–739), but toward its lower end and below the national average of 713. Many lenders’ best pricing tiers start around 740, so a 692 typically qualifies but at higher rates.
Sources and methodology
All figures were pulled directly from the sources below on July 3, 2026. State and generation FICO® averages reflect Experian data as of September 2025; metro FICO averages reflect Q2 2024; card balances reflect Q3 2024; Urban Institute collections figures reflect August 2025 credit bureau records (October 2025 map update); WalletHub city scores reflect Q4 2025; CFPB complaint counts are calendar-year 2025 queried from the public database API. FICO® Scores range 300–850. Nothing on this page is a promise of any credit outcome.
- Experian — What Is the Average Credit Score in the U.S.? (state and generation averages, September 2025 data)
- Experian — 2025 Consumer Credit Review (national average decline to 713; first drop since 2013)
- Experian — How Average FICO® Scores Changed in U.S. Metros the Past 5 Years (Texas metro scores, Q2 2024)
- Experian — State of Credit Cards (Texas average balance and utilization, Q3 2024)
- Urban Institute — Debt in America: An Interactive Map (Texas collections share, median, and medical collections; August 2025 records)
- WalletHub — Cities with the Highest & Lowest Credit Scores (Texas city averages, Q4 2025)
- CFPB — Consumer Complaint Database (Texas 2025 complaint volumes, queried via the public API)