Where US Families Are Most Strained By Debt

11-02-2025 • https://www.zerohedge.com, by Tyler Durden

Which States Carry the Most Debt?

Two states share the top spot: Idaho and Hawaii both post a DTI of 2.06, meaning households owe just over twice their annual after-tax income.

Rank State State Code Debt-to-Income Ratio (2025) Debt-to-Income Ratio (1999) 1999–2025 Change

1	Idaho	ID	2.06	1.50	0.56
2	Hawaii	HI	2.06	2.06	0.00
3	Arizona	AZ	1.84	1.40	0.44
4	Colorado	CO	1.84	1.40	0.44
5	Utah	UT	1.84	1.40	0.44
6	Maryland	MD	1.84	1.72	0.12
7	South Carolina	SC	1.72	1.32	0.40
8	Nevada	NV	1.72	1.40	0.32
9	Oregon	OR	1.72	1.40	0.32
10	Florida	FL	1.72	1.60	0.12
11	Delaware	DE	1.60	1.11	0.49
12	Montana	MT	1.60	1.32	0.28
13	Rhode Island	RI	1.60	1.32	0.28
14	Virginia	VA	1.60	1.40	0.20
15	California	CA	1.60	1.72	-0.12
16	Wyoming	WY	1.50	1.11	0.39
17	Georgia	GA	1.50	1.24	0.26
18	Maine	ME	1.50	1.24	0.26
19	North Carolina	NC	1.50	1.24	0.26
20	New Mexico	NM	1.50	1.50	0.00
21	Washington	WA	1.50	1.50	0.00
22	Mississippi	MS	1.40	1.11	0.29
23	New Hampshire	NH	1.40	1.24	0.16
24	New Jersey	NJ	1.40	1.24	0.16
25	Tennessee	TN	1.40	1.24	0.16
26	Alaska	AK	1.40	1.32	0.08
27	Alabama	AL	1.32	1.11	0.21