This map shows the average credit score by state. Where does yours rank?

The average FICO credit score across America was 714 in 2025, according to the Spring 2026 FICO® Score Credit Insights . That's down just a single point from a year ago, largely due to the return of student loan payments and credit reporting. The nation's overall credit health is still relatively strong, with almost half (48.1%) of consumers having a credit score of 750 or higher. CNBC Select takes a look at the average FICO Score of each state, and some tips for you if you're looking to raise your own score. Average credit score by state What is a FICO Score? A high credit score qualifies you for the best interest rates and terms on everything from credit cards to mortgages. FICO Scores are used in over 90% of U.S. lending decisions, making them a must-know number before applying for any financial product. FICO Scores are broken up into five categories that help lenders gauge your ability to repay loans. Here are the credit score ranges for each category: Those with higher FICO Scores are generally more likely to get approved for the financial tool they're applying for and will often receive more favorable terms, like lower rates and APRs. Struggling to pay off debt? Consider enlisting the help of a debt relief company Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability. …