Sorry Raeford and Jacksonville friends. It seems that you – along with many other North Carolina cities – may not be so good at money management.

According to the latest survey from our friends at WalletHub.com, those cities come in not just at the bottom of the state but also the country for money management. Only the good folks in Willis, Texas might be worse at in fact, as Raeford came in ranked No. 2,571 on the list.

WalletHub ranked 2,572 U.S. cities on money management (but don’t worry we read all that for you!). Their rankings were based on 10 key indicators. Indicators included things like average credit scores, late mortgage payments, and debt-to-income ratios.

Charlotte’s scores were nothing to write home about coming in at the 45th best city in the state and 37th percentile. Huntersville, Matthews, Cornelius, and Waxhaw y’all had rankings to be proud of.

Among North Carolina cities, Cary came out best overall, ranked at No. 96 in the country at money management. You can view the full rankings of all NC cities below.

“A survey of consumer financial literacy reflects a growing need for financial instruction in U.S. households. Only 57% of adults, for instance, give their knowledge of personal finance high marks, and 47% maintain a budget and keep an eye on their spending,” WalletHub said in their release. “Good money management skills are more important now than ever during the COVID-19 pandemic.”

Here’s where every North Carolina city ranks on money management, as well as the top cities in the United States, led by Scarsdale, New York, and Cupertino, California (the home of Google):

  • No. 96 - Cary

    96th percentile, median credit score of 763

  • No. 288 - Morrisville

    89th percentile, median credit score of 744

  • No. 299 - Apex

    88th percentile, median credit score of 760

  • No. 329 - Chapel Hill

    87th percentile, median credit score of 758

  • No. 352 - Cornelius

    86th percentile, median credit score of 751

  • No. 390 - Holly Springs

    85th percentile, median credit score of 755

  • No. 416 - Waxhaw

    84th percentile, median credit score of 753

  • No. 732 - Hendersonville

    72nd percentile, median credit score of 733

  • No. 762 - Matthews

    70th percentile, median credit score of 742

  • No. 792 - Huntersville

    69th percentile, median credit score of 741

  • No. 811 - Clemmons

    68th percentile, median credit score of 758

  • No. 850 - Taylorsville

    67th percentile, median credit score of 693

  • No. 897 - Hillsborough

    65th percentile, median credit score of 749

  • No. 931 - Fuquay-Varina

    64th percentile, median credit score of 736

  • No. 937 - Albermarle

    64th percentile, median credit score of 671

  • No. 938 - Belmont

    64th percentile, median credit score of 722

  • No. 1068 - Indian Trail

    58th percentile, median credit score of 719

  • No. 1092 - Raleigh

    58th percentile, median credit score of 717

  • No. 1103 - Mount Airy

    57th percentile, median credit score of 673

  • No. 1116 - Wake Forest

    57th percentile, median credit score of 744

  • No. 1129 - Kannapolis

    56th percentile, median credit score of 662

  • No. 1133 - Lenoir

    56th percentile, median credit score of 662

  • No. 1164 - Newton

    55th percentile, median credit score of 678

  • No. 1205 - Morganton

    53rd percentile, median credit score of 674

  • No. 1208 - Hickory

    53rd percentile, median credit score of 695

  • No. 1236 - Marion

    52nd percentile, median credit score of 663

  • No. 1244 - Kernersville

    52nd percentile, median credit score of 716

  • No. 1290 - Eden

    50th percentile, median credit score of 654

  • No. 1304 - Waynesville

    49th percentile, median credit score of 700

  • No. 1320 - Asheville

    49th percentile, median credit score of 722

  • No. 1338 - Durham

    48th percentile, median credit score of 705

  • No. 1366 - Leland

    47th percentile, median credit score of 728

  • No. 1368 - Oxford

    47th percentile, median credit score of 668

  • No. 1389 - Concord

    46th percentile, median credit score of 690

  • No. 1412 - Mocksville

    45th percentile, median credit score of 700

  • No. 1460 - Knightdale

    43rd percentile, median credit score of 682

  • No. 1473 - Conover

    43rd percentile, median credit score of 684

  • No. 1503 - Salisbury

    42nd percentile, median credit score of 671

  • No. 1506 - Wilmington

    41st percentile, median credit score of 705

  • No. 1557 - Mooresville

    39th percentile, median credit score of 728

  • No. 1587 - Burlington

    38th percentile, median credit score of 673

  • No. 1596 - Wilson

    38th percentile, median credit score of 659

  • No. 1610 - Shelby

    37th percentile, median credit score of 659

  • No. 1627 - Winston-Salem

    37th percentile, median credit score of 675

  • No. 1632 - Charlotte

    37th percentile, median credit score of 678

  • No. 1637 - Asheboro

    36th percentile, median credit score of 675

  • No. 1658 - Winterville

    36th percentile, median credit score of 697

  • No. 1662 - Franklin

    35th percentile, median credit score of 715

  • No. 1672 - Gastonia

    35th percentile, median credit score of 660

  • No. 1682 - Graham

    35th percentile, median credit score of 681

  • No. 1686 - High Point

    34th percentile, median credit score of 674

  • No. 1696 - Lincolnton

    34th percentile, median credit score of 675

  • No. 1728 - Mebane

    33rd percentile, median credit score of 702

  • No. 1749 - Garner

    32nd percentile, median credit score of 693

  • No. 1763 - Thomasville

    31st percentile, median credit score of 667

  • No. 1765 - Greensboro

    31st percentile, median credit score of 675

  • No. 1793 - Boone

    30th percentile, median credit score of 719

  • No. 1840 - Greenville

    28th percentile, median credit score of 661

  • No. 1881 - Statesville

    27th percentile, median credit score of 675

  • No. 1908 - Rockingham

    26th percentile, median credit score of 636

  • No. 1915 - Sanford

    26th percentile, median credit score of 676

  • No. 2004 - Kings Mountain

    22nd percentile, median credit score of 664

  • No. 2025 - Kinston

    21st percentile, median credit score of 633

  • No 2028 - New Bern

    21st percentile, median credit score of 700

  • No. 2038 - Rocky Mount

    21st percentile, median credit score of 656

  • No. 2057 - Washington

    20th percentile, median credit score of 674

  • No. 2096 - Monroe

    19th percentile, median credit score of 677

  • No. 2121 - Reidsville

    18th percentile, median credit score of 671

  • No. 2208 - Clinton

    14th percentile, median credit score of 650

  • No. 2257 - Lumberton

    12th percentile, median credit score of 638

  • No. 2291 - Clayton

    11th percentile, median credit score of 707

  • No. 2294 - Laurinburg

    11th percentile, median credit score of 635

  • No. 2299 - Roxboro

    11th percentile, median credit score of 666

  • No. 2307 - Lexington

    10th percentile, median credit score of 684

  • No. 2355 - Elizabeth City

    8th percentile, median credit score of 664

  • No. 2374 - Roanoke Rapids

    8th percentile, median credit score of 646

  • No. 2385 - Goldsboro

    7th percentile, median credit score of 659

  • No. 2419 - Henderson

    6th percentile, median credit score of 643

  • No. 2439 - Dunn

    5th percentile, median credit score of 658

  • No. 2503 - Fayetteville

    3rd percentile, median credit score of 662

  • No. 2546 - Hope Mills

    1st percentile, median credit score of 675

  • No. 2549 - Jacksonville

    1st percentile, median credit score of 668

  • No. 2571 - Raeford

    1st percentile, median credit score of 665

  • National Top 10

  • No. 1 - Scarsdale, NY

    99th percentile, median credit score of 768

  • No. 2 - Cupertino, Ca.

    99th percentile, median credit score of 776

  • No. 3 - Los Altos, Ca.

    99th percentile, median credit score of 785

  • No. 4 - Bronxville, NY

    99th percentile, median credit score of 765

  • No. 5 - Saratoga, Ca.

    99th percentile, median credit score of 765

  • No. 6 - Princeton, NJ

    99th percentile, median credit score of 765

  • No. 7 - Mountain View, Ca.

    99th percentile, median credit score of 766

  • No. 8 - Palo Alto, Ca.

    99th percentile, median credit score of 768

  • No. 9 - Sunnyvale, Ca.

    99th percentile, median credit score of 762

  • No. 10 - Lexington, Mass.

    99th percentile, median credit score of 782

  • Some Cities Are Good At Saving However

    North Carolina Has One of The Best Cities to Save Money In

    • 10. Sacramento

      Population: 525,398

      Final Rank: 78.8

    • 9. Baltimore

      Population: 575,584

      Final Rank: 80

    • 8. Denver

      Population: 749,103

      Final Rank: 81.2

    • 7. Houston

      Population: 2,323,660

      Final Rank: 82.8

    • 6. Raleigh

      Population: 483,579

      Final Rank: 83.2

    • 5. Las Vegas

      Population: 667,501

      Final Rank: 89.6

    • 4. Tampa

      Population: 404,636

      Final Rank: 94

    • 3. Minneapolis

      Population: 439,012

      Final Rank: 95.2

    • 2. Atlanta

      Population: 524,067

      Final Rank: 98

    • 1. Miami

      Population: 478,251

      Final Rank: 98