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25 Cities Where People Are Struggling the Most Financially

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Worried young businesswoman in an office
FG Trade/istockphoto

Up Against the Wallet

In addition to the health consequences and death it's caused, COVID-19 has triggered financial devastation, with nearly 13 million people still unemployed. In addition, 69% of Americans say it would be "somewhat difficult" or "very difficult" to meet financial obligations if their paycheck was delayed just a week, according to a WalletHub study. With Congress still unable to agree on a new relief package, WalletHub looked at some of the biggest U.S. cities to compare such things as bankruptcy filings between June and a year earlier; average credit scores of residents; and how many people had accounts in forbearance or with payments deferred, coming up with rankings of where urban residents are holding their own or struggling to stay afloat. Here are the 25 big cities where people are the worst-off, leading up to the most financially distressed of them all.

Related: 16 Ways to Simplify Your Finances During a Time of Economic Turmoil

Des Moines, Iowa
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North Las Vegas, Nevada
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Mesa, Arizona
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23. Mesa, Arizona

Average credit score: 662 (fair)
Accounts in distress: 38.14%
Change in bankruptcy filings: Down 6.12%

Detroit, Michigan
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22. Detroit

Average credit score: 639 (poor) 
Accounts in distress: 42.47%
Change in bankruptcy filings: Down 9.61%

Atlanta
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21. Atlanta

Average credit score: 679 (fair)
Accounts in distress: 46.97%
Change in bankruptcy filings: Down 15.03%

Washington, D.C.
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Philadelphia
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19. Philadelphia

Average credit score: 642 (fair)
Accounts in distress: 37.74%
Change in bankruptcy filings: Down 20.45%

Indianapolis
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18. Indianapolis

Average credit score: 638 (poor)
Accounts in distress: 35.92%
Change in bankruptcy filings: Down 13.47%

Laredo, TX
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17. Laredo, Texas

Average credit score: 656 (fair)
Accounts in distress: 51.39%
Change in bankruptcy filings: Down 9.95%

Cleveland
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16. Cleveland

Average credit score: 668 (fair)
Accounts in distress: 34.9%
Change in bankruptcy filings: Down 11.5%

Orlando, Florida
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15. Orlando, Florida

Average credit score: 691 (fair)
Accounts in distress: 63.69%
Change in bankruptcy filings: Down 6.27%

Jacksonville, Florida
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14. Jacksonville, Florida

Average credit score: 687 (fair)
Accounts in distress: 60.46%
Change in bankruptcy filings: Down 13.29%

San Diego
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13. San Diego

Average credit score: 707 (good)
Accounts in distress: 52.68%
Change in bankruptcy filings: Down 6.11%

New York
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12. New York

Average credit score: 727 (good)
Accounts in distress: 42.73%
Change in bankruptcy filings: Down 19.02%

Memphis, Tennessee
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11. Memphis, Tennessee

Average credit score: 629 (poor)
Accounts in distress: 48.18%
Change in bankruptcy filings: Down 18.74%

Fort Worth, Texas
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10. Fort Worth, Texas

Average credit score: 649 (fair)
Accounts in distress: 42.69%
Change in bankruptcy filings: Down 7.78%

Miami, FL
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9. Miami

Average credit score: 726 (good)
Accounts in distress: 58.6%
Change in bankruptcy filings: Down 9.2%

Austin, Texas
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8. Austin, Texas

Average credit score: 698 (fair)
Accounts in distress: 54.65%
Change in bankruptcy filings: Down 5.35%

Los Angeles
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7. Los Angeles

Average credit score: 670 (fair)
Accounts in distress: 47.33%
Change in bankruptcy filings: Down 10.61%

Phoenix, AZ
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6. Phoenix

Average credit score: 647 (fair)
Accounts in distress: 34.17%
Change in bankruptcy filings: Down 6.12%

Dallas
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5. Dallas

Average credit score: 661 (fair)
Accounts in distress: 41.79%
Change in bankruptcy filings: Down 8.45%

San Antonio
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4. San Antonio

Average credit score: 637 (poor) 
Accounts in distress: 48.83%
Change in bankruptcy filings: Down 15.27%

Houston, Texas
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3. Houston

Average credit score: 649 (fair)
Accounts in distress: 56.77%
Change in bankruptcy filings: Down 17.96%

Chicago
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2. Chicago

Average credit score: 646 (fair)
Accounts in distress: 38.9%
Change in bankruptcy filings: Down 13.46%

Las Vegas
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