Debt relief options in Long Beach, CA
Long Beach has about 450,469 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 Long Beach
Long Beach combines above-average card balances with rent that takes a larger share of income than in about half of the largest cities. That can leave less room to pay down balances. Lowering your rate or monthly payment is often a good first thing to look at.
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.
Long Beach against the 50 largest cities
| Measure | Long Beach | 50-city midpoint | Rank |
|---|---|---|---|
| Household card debt | $16,009 | $14,210 | 7th highest |
| Median household income | $83,969 | $76,602 | 13th highest |
| Median rent | $1,803 | $1,458 | 9th highest |
| Median home value | $762,200 | $364,300 | 7th highest |
Closest cities on household card debt: Dallas ($16,180) and Las Vegas ($15,986).
Long Beach debt questions
How much credit card debt do households in Long Beach carry?
WalletHub estimated average household credit card debt in Long Beach at $16,009, or about $2.7 billion citywide, in data as of May 2025. That ranked 35 of the 182 cities it studied.
How does Long Beach compare with other big U.S. cities?
Among the 50 largest cities on our list, Long Beach ranks number 7 for average household card debt in WalletHub's data. That puts it near the top of the group.
How does housing cost compare with income in Long Beach?
Census figures show a median rent of $1,803 a month and a median household income of $83,969 (2023 5-year ACS). By our calculation, a year of median rent equals about 26% of median household income, the number 10 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 Long Beach?
Census estimates put the median home value at $762,200, or about 9.1 times the median household income (2023 5-year ACS).
How do credit card balances in California compare nationally?
TransUnion's April 2026 snapshot, as reported by Self, put the average balance per consumer in California at $7,116, $559 above the $6,557 national figure. That was up 2.3% from a year earlier. WalletHub's household figures are measured differently, so the two aren't directly comparable.
Are prices in the Long Beach area above the national average?
The US Bureau of Economic Analysis put 2024 price levels in the Los Angeles-Long Beach-Anaheim metro area at 113.6 against a US average of 100, among the seven highest of 387 metro areas. (U.S. Bureau of Economic Analysis, 2026-02)
Can I get debt settlement or a consolidation loan in Long Beach?
It depends on California 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
Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Oakland, Bakersfield
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
- U.S. Bureau of Economic Analysis, U.S. Metropolitan Area RPPs, 2024 (2026-02)
- FTC, Settling Credit Card Debt (archived consumer guidance)