13 Texas cities where people are the most delinquent on debt

AUSTIN (KXAN) — Thirteen Texas cities were listed as the most delinquent on debt in the United States.

Financial resource outlet WalletHub recently compared proprietary user data in the 100 largest U.S. cities to find where people were having the most difficulty paying their bills.

“Being delinquent on debt payments can cause a lot of harm to your credit score, and late payments will remain on your credit report for seven years,” WalletHub said. “People who are delinquent on any debt should try to get current as quickly as possible in order to minimize credit score damage and avoid other consequences like additional late fees, closed accounts, or lawsuits.”

The data showed the Texas city that struggled the most was Laredo, which ranked No. 8 nationally. Laredo had a total score of 72.52 out of 100, with 18.31% of people being loan balance delinquent in Q4 of 2025.

“People in some cities will have a much harder time catching up on delinquent debt payments than others, though,” WalletHub said.

Nationally, the No. 1 city with the most delinquent debt was Detroit, Michigan, which had residents delinquent on 15.7% of all their loans and lines of credit. Detroit residents were also delinquent on 20.2% of their entire debt, according to the study’s data.

Other Texas cities in the top 20 included:

No. 11 – Garland, TX

• Total Score: 68.11
• Percentage of Tradelines Delinquent in Q4 2025: 13.42%
• Percentage of Loan Balance Delinquent in Q4 2025: 13.91%

No. 13 – El Paso, TX

• Total Score: 65.83
• Percentage of Tradelines Delinquent in Q4 2025: 12.86%
• Percentage of Loan Balance Delinquent in Q4 2025: 14.30%

No. 18 – Arlington, TX

• Total Score: 63.15
• Percentage of Tradelines Delinquent in Q4 2025: 12.87%
• Percentage of Loan Balance Delinquent in Q4 2025: 13.35%

No. 20 – Lubbock, TX

• Total Score: 61.07
• Percentage of Tradelines Delinquent in Q4 2025: 12.71%
• Percentage of Loan Balance Delinquent in Q4 2025: 12.96%

Other Texas cities in the top 100 included:

No. 26 – San Antonio, TX

• Total Score: 58.59
• Percentage of Tradelines Delinquent in Q4 2025: 12.05%
• Percentage of Loan Balance Delinquent in Q4 2025: 13.50%

No. 32 – Fort Worth, TX

• Total Score: 55.09
• Percentage of Tradelines Delinquent in Q4 2025: 11.96%
• Percentage of Loan Balance Delinquent in Q4 2025: 12.47%

No. 39 – Houston, TX

• Total Score: 50.71
• Percentage of Tradelines Delinquent in Q4 2025: 12.43%
• Percentage of Loan Balance Delinquent in Q4 2025: 9.92%

No. 47 – Corpus Christi, TX

• Total Score: 46.79
• Percentage of Tradelines Delinquent in Q4 2025: 10.72%
• Percentage of Loan Balance Delinquent in Q4 2025: 12.21%

No. 52 – Irving, TX

• Total Score: 44.37
• Percentage of Tradelines Delinquent in Q4 2025: 11.56%
• Percentage of Loan Balance Delinquent in Q4 2025: 9.57%

No. 68 – Dallas, TX

• Total Score: 38.36
• Percentage of Tradelines Delinquent in Q4 2025: 11.86%
• Percentage of Loan Balance Delinquent in Q4 2025: 6.83%

No. 83 – Plano, TX

• Total Score: 30.81
• Percentage of Tradelines Delinquent in Q4 2025: 10.79%
• Percentage of Loan Balance Delinquent in Q4 2025: 6.46%

No. 90 – Austin, TX

• Total Score: 21.40
• Percentage of Tradelines Delinquent in Q4 2025: 9.56%
• Percentage of Loan Balance Delinquent in Q4 2025: 5.80%