WalletHub created its list of cities analyzing changes in average debt and credit card debt, auto loans and personal debt that residents in these areas have. Cities carrying the most debtWhy you should care:WalletHub compared 100 U.S. cities across two key categories: Change in average debt and average debt using the company’s data on credit cards, auto loans and personal debt. The study noted that the average personal loan balance rose by 3.6% during the same period, reaching $12,160. Moreover, the auto loan balance in Winston-Salem soared to $23,372 in the second quarter of 2025, increasing by about 4%. According to the study, the average credit card balance in the city surged by almost 2.2%, bringing the average credit card balance to $6,208.