We calculated the lifetime difference in mortgage, auto loan, and credit card interest between a 580 and 750 FICO score in every U.S. state.
National Average Lifetime Overpay
$0
580 vs 750 FICO Score
$77,693
Mortgage
$8,832
Auto Loan
$4,419
Credit Cards
A 580 credit score costs more on every major loan. Here's the national average breakdown.
30-year fixed, 20% down
$0
85% of total
60-month new car, 10% down
$0
10% of total
Avg balance, 10 years
$0
5% of total
Select your state to see your personalized lifetime overpay estimate.
Bad credit costs you in California
$186,620
in lifetime extra interest (580 vs 750 FICO)
Ranked #2 out of 50 states • Very High Cost
$171,975
Mortgage Overpay
Median home: $793,100
$9,522
Auto Loan Overpay
Avg car: $39,200
$5,123
Credit Card Overpay
Avg balance: $6,210
$17
Per Day
$518
Per Month
$6,221
Per Year
Hover over any state to see its total lifetime overpay. Darker red = higher cost.
Stacked by loan type: Mortgage Auto Cards
Where bad credit hurts the most, and where it's least punishing.
Total lifetime overpay sorted by most to least expensive. Click headers to sort.
| Rank | State | Total Overpay | Mortgage | Auto Loan | Credit Cards | Median Home |
|---|---|---|---|---|---|---|
| 1 | Hawaii | $208,776 | $195,025 | $9,279 | $4,472 | $899,400 |
| 2 | California | $186,620 | $171,975 | $9,522 | $5,123 | $793,100 |
| 3 | Washington | $143,835 | $129,821 | $9,328 | $4,686 | $598,700 |
| 4 | Massachusetts | $143,299 | $129,323 | $9,133 | $4,843 | $596,400 |
| 5 | Colorado | $132,852 | $118,567 | $9,376 | $4,909 | $546,800 |
| 6 | Utah | $123,700 | $110,414 | $8,988 | $4,298 | $509,200 |
| 7 | New Jersey | $123,660 | $109,157 | $9,182 | $5,321 | $503,400 |
| 8 | Oregon | $121,273 | $108,029 | $9,036 | $4,208 | $498,200 |
| 9 | New Hampshire | $114,869 | $101,524 | $8,939 | $4,406 | $468,200 |
| 10 | New York | $111,375 | $97,274 | $9,085 | $5,016 | $448,600 |
| 11 | Montana | $110,689 | $98,185 | $8,890 | $3,614 | $452,800 |
| 12 | Nevada | $106,933 | $92,287 | $9,085 | $5,561 | $425,600 |
| 13 | Rhode Island | $105,578 | $92,330 | $8,842 | $4,406 | $425,800 |
| 14 | Idaho | $105,342 | $92,655 | $8,793 | $3,894 | $427,300 |
| 15 | Connecticut | $103,677 | $89,446 | $9,182 | $5,049 | $412,500 |
| 16 | Maryland | $102,526 | $88,210 | $9,085 | $5,231 | $406,800 |
| 17 | Florida | $101,818 | $87,733 | $9,036 | $5,049 | $404,600 |
| 18 | Arizona | $100,127 | $86,345 | $8,939 | $4,843 | $398,200 |
| 19 | Virginia | $98,250 | $84,437 | $9,036 | $4,777 | $389,400 |
| 20 | Vermont | $94,321 | $81,705 | $8,648 | $3,968 | $376,800 |
| 21 | Maine | $93,915 | $81,358 | $8,696 | $3,861 | $375,200 |
| 22 | Georgia | $89,644 | $75,655 | $8,890 | $5,099 | $348,900 |
| 23 | Alaska | $89,571 | $75,590 | $9,328 | $4,653 | $348,600 |
| 24 | Delaware | $88,282 | $74,853 | $8,842 | $4,587 | $345,200 |
| 25 | Minnesota | $86,538 | $73,422 | $8,842 | $4,274 | $338,600 |
| 26 | North Carolina | $85,391 | $72,077 | $8,793 | $4,521 | $332,400 |
| 27 | Tennessee | $82,192 | $69,041 | $8,745 | $4,406 | $318,400 |
| 28 | Texas | $80,596 | $65,876 | $9,036 | $5,684 | $303,800 |
| 29 | Wyoming | $80,458 | $67,740 | $8,939 | $3,779 | $312,400 |
| 30 | South Carolina | $78,081 | $64,748 | $8,696 | $4,637 | $298,600 |
| 31 | New Mexico | $77,304 | $64,358 | $8,648 | $4,298 | $296,800 |
| 32 | South Dakota | $76,013 | $63,404 | $8,550 | $4,059 | $292,400 |
| 33 | Illinois | $73,080 | $59,544 | $8,842 | $4,694 | $274,600 |
| 34 | Pennsylvania | $72,688 | $59,587 | $8,745 | $4,356 | $274,800 |
| 35 | Wisconsin | $71,287 | $58,720 | $8,648 | $3,919 | $270,800 |
| 36 | North Dakota | $66,415 | $53,906 | $8,648 | $3,861 | $248,600 |
| 37 | Nebraska | $66,172 | $53,819 | $8,550 | $3,803 | $248,200 |
| 38 | Missouri | $64,002 | $51,261 | $8,599 | $4,142 | $236,400 |
| 39 | Michigan | $63,775 | $50,849 | $8,793 | $4,133 | $234,500 |
| 40 | Indiana | $62,937 | $50,328 | $8,599 | $4,010 | $232,100 |
| 41 | Kansas | $61,763 | $49,179 | $8,550 | $4,034 | $226,800 |
| 42 | Ohio | $60,174 | $47,466 | $8,599 | $4,109 | $218,900 |
| 43 | Alabama | $59,690 | $46,924 | $8,550 | $4,216 | $216,400 |
| 44 | Louisiana | $58,720 | $45,666 | $8,648 | $4,406 | $210,600 |
| 45 | Iowa | $57,176 | $44,994 | $8,453 | $3,729 | $207,500 |
| 46 | Oklahoma | $57,165 | $44,127 | $8,599 | $4,439 | $203,500 |
| 47 | Kentucky | $57,073 | $44,734 | $8,453 | $3,886 | $206,300 |
| 48 | Arkansas | $55,405 | $42,891 | $8,405 | $4,109 | $197,800 |
| 49 | Mississippi | $49,507 | $37,166 | $8,307 | $4,034 | $171,400 |
| 50 | West Virginia | $42,646 | $30,921 | $8,210 | $3,515 | $142,600 |
This study calculates the lifetime cost difference between a consumer with a 580 FICO score ("Fair") and a 750 FICO score ("Very Good") across three major credit products:
Home prices from Zillow Home Value Index and NAR Q1 2026. Credit card balances from Experian State of Credit (Q4 2025).
Limitations: Individual rates vary by lender, DTI ratio, and other factors. This study uses median values to illustrate the credit score gap magnitude.
Written by
Alexander Katsman
Founder, Credit Booster & Credit Booster AI
Alexander Katsman has spent more than 15 years in credit and finance, helping thousands of people and small business owners dispute inaccurate reporting, rebuild their scores, and get approved for funding they were once denied. His latest project, Credit Booster AI, puts that entire toolkit in everyone's hands, using AI to make fixing, building, and funding your credit accessible to all.
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