The 25 ZIP Codes with the Highest Mortgage Debt


Experiential consumer reporting agency reviewed customer credit data for the first quarter of 2019 at identify the 25 best postal codes with the highest mortgage balances.

This study found that California has the most postcodes in debt, with 17. The other eight out of 25 are split between New York and Connecticut. New York City alone is home to four zip codes claiming the highest mortgage balances in the country, according to Experian.

If the incomes of these regions are the highest, so too is the amount of debt. Postal codes with the highest mortgage balances also have above-average credit scores.

Overall the average FICO The score among the top 25 zip codes with the highest mortgage balances in the first quarter of 2019 was 756, making it 53 points higher than the national average of 703.

According to research from Experian, outstanding mortgage balances increased for the seventh consecutive quarter, reaching $ 9.5 trillion.

The highest overall mortgage balance was found in zip code 90210, Beverly Hills, California. The balance found was $ 1,528,236, with an average annual income of $ 157,359 and an average credit score of 742.

The lowest overall mortgage balance is in ZIP code 95070, Saratoga, California. The remaining mortgage balance was $ 805,813, with annual income of $ 172,029 and a credit score of 779.

According to Mortgage Bankers Association, 30-year mortgage interest rates are expected to remain below 5% for the remainder of 2019.


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