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.
Автор
Александр Кацман
Основатель Credit Booster и Credit Booster AI
Александр Кацман более 15 лет работает в сфере кредитов и финансов, помогая тысячам людей и владельцев бизнеса оспаривать недостоверные записи, восстанавливать кредитную историю и получать финансирование, в котором им раньше отказывали. Его последний проект, Credit Booster AI, делает весь этот инструментарий доступным каждому, используя ИИ, чтобы исправление, построение и финансирование кредита стали доступны всем.
Вставьте этот код, чтобы поделиться ею на своём сайте или в блоге.
<iframe src="" width="100%" height="1400" frameborder="0" loading="lazy" style="border:0;max-width:100%;border-radius:12px;" title="Credit Booster Publication" allow="fullscreen"></iframe>Сканирует, исправляет, строит и доводит до финансирования. 3 кредитных бюро, диспуты по FCRA, план на 90 дней. За секунды, без звонков.
Начните свой путь к лучшему кредиту сегодня.