Residents of Florida’s largest retirement community have the highest median credit score among more than 2,500 cities, according to a new financial study released last month.
In its 2026 report on “Cities Where People Have the Best Money Management Skills,” WalletHub reviewed proprietary data to determine how well Americans handle their finances. While the study used 10 different metrics to calculate an overall ranking for money management skills, The Villages stood alone regarding credit scores.
Residents of The Villages boast a median credit score of 805, which is higher than 2,500 cities that were analyzed by the personal finance website. The Villages is the only municipality in the entire study to break the 800 score threshold.
By comparison, the city with the second-highest median credit score was Fort Worth, Texas, at 789, followed by Laguna Woods, California, with a 788.
To determine the rankings, researchers compared the cities across 10 key indicators, including credit card debt, student loan debt, and average number of late payments.
WalletHub analyst Chip Lupo noted that residents in top-performing cities generally maintain low debt-to-income ratios and restrained credit utilization, which contributes to scores well into the excellent range.
Other Florida cities claiming high credit scores included Naples, with a median score of 787, and Estero, with a score of 782.