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With around 74% of Americans with a budget citing increasing costs as the biggest challenge they currently face when trying to stick to a budget, WalletHub recently released its report on 2025's Cities with the Best and Worst Budgeters to congratulate those handling their finances well and shine a light on the places that need to improve.
To determine where the best budgeters live, WalletHub compared more than 180 cities across 12 key metrics, ranging from the average credit score to debt-to-income ratios to foreclosure rates.
| Cities With the Best Budgeters | Cities With the Worst Budgeters |
| 1. Seattle, WA | 173. Toledo, OH |
| 2. Fremont, CA | 174. Tulsa, OK |
| 3. Honolulu, HI | 175. Montgomery, AL |
| 4. Pearl City, HI | 176. Mobile, AL |
| 5. San Jose, CA | 177. Huntington, WV |
| 6. Minneapolis, MN | 178. New Orleans, LA |
| 7. South Burlington, VT | 179. Jackson, MS |
| 8. St. Paul, MN | 180. Gulfport, MS |
| 9. Huntington Beach, CA | 181. Memphis, TN |
| 10. Tacoma, WA | 182. Shreveport, LA |
To view the full report and your city's rank, please visit:
https://wallethub.com/edu/cities-with-best-worst-budgeters/7666/
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