Debt relief options in Houston, TX
Houston has about 2,397,315 residents. Here's what published figures show about debt and living costs there, and how to think about your options.
What this means if you're in debt in Houston
Average card balances in Houston are lower than in many big cities, but rent takes a larger share of income than in about half of the largest cities. A modest balance can still be hard to carry, so check your whole monthly budget, not just what you owe.
If your payments are still manageable, start with a credit counselor or a lower-rate loan. Debt settlement is generally for people who can't keep up.
Houston against the 50 largest cities
| Measure | Houston | 50-city midpoint | Rank |
|---|---|---|---|
| Household card debt | $13,926 | $14,210 | 28th highest |
| Median household income | $62,894 | $76,602 | 41st highest |
| Median rent | $1,313 | $1,458 | 35th highest |
| Median home value | $253,400 | $364,300 | 35th highest |
Closest cities on household card debt: Sacramento ($13,950) and Colorado Springs ($13,856).
Houston debt questions
How much credit card debt do households in Houston carry?
WalletHub estimated average household credit card debt in Houston at $13,926, or about $12.8 billion citywide, in data as of May 2025. That ranked 80 of the 182 cities it studied.
How does Houston compare with other big U.S. cities?
Among the 50 largest cities on our list, Houston ranks number 28 for average household card debt in WalletHub's data. That places it around the middle of the group.
How does housing cost compare with income in Houston?
Census figures show a median rent of $1,313 a month and a median household income of $62,894 (2023 5-year ACS). By our calculation, a year of median rent equals about 25% of median household income, the number 12 share among the 50 cities we compared. This compares two separate medians, so it isn't what any one household pays.
How expensive are homes in Houston?
Census estimates put the median home value at $253,400, or about 4.0 times the median household income (2023 5-year ACS).
How do credit card balances in Texas compare nationally?
TransUnion's April 2026 snapshot, as reported by Self, put the average balance per consumer in Texas at $7,087, $530 above the $6,557 national figure. That was up 2.0% from a year earlier. WalletHub's household figures are measured differently, so the two aren't directly comparable.
How common are high credit card balances in the Houston area?
In the Houston metro area, 30.6% of LendingTree users with credit cards owed at least $10,000 on them in October to December 2025, compared with 26.5% across the 100 largest US metros, according to LendingTree's review of credit reports. (LendingTree, 2026-04)
What do recent housing reports show for Houston?
Redfin estimated that a buyer in the Houston metro area needed to earn about $100,005 a year to afford the typical home in December 2025, spending no more than 30% of income on housing, compared with $111,252 nationally. (Redfin, 2026-02)
Can I get debt settlement or a consolidation loan in Houston?
It depends on Texas rules, the provider and your finances. Confirm that any company is licensed or registered where required. Debt Relief Path works online and has no local office.
Nearby and related locations
San Antonio, Dallas, Fort Worth, Austin, El Paso
Sources
- WalletHub, Cities With the Highest and Lowest Credit Card Debts (data as of May 13, 2025, as shown on the page when reviewed)
- Wikipedia, List of United States cities by population, citing Census Bureau July 1, 2025 estimates
- Self, Credit card debt by state, citing TransUnion April 2026 Monthly Snapshot
- Census Bureau ACS 2023 5-year estimates, via Population Review
- LendingTree, More Than 1 in 4 Cardholders in Largest US Metros Carry 5-Figure Credit Card Debt (2026-04)
- Redfin, Affordability Is Improving: Buyers Must Earn $111,000 to Afford the Typical Home, Down 4% From Last Year (2026-02)
- FTC, Settling Credit Card Debt (archived consumer guidance)