Credit Card Debt in Oregon

At $6,199, Oregon's average credit card balance runs 8.4% below the national average of $6,768. It's a comparatively lighter number for Oregon, though it's still an average: half of Oregon cardholders carry more than $6,199, not less.

#30 out of 51: Oregon's $6,199 average credit card balance sits comfortably in the middle third of the national ranking, neither drawing attention for being high nor low.

$569 is the dollar gap between the $6,768 national figure and Oregon's lighter $6,199 average. Whatever a Oregon household's actual balance, that $569 spread shows how much lighter the typical local balance runs relative to the rest of the country.

For comparison, the closest states by average balance are Tennessee at $6,243 and Pennsylvania at $6,245, both within range of Oregon's figure. Looking at states with similar averages is a useful sanity check: it shows Oregon isn't an outlier, just one point in a fairly tight national range.

Knowing that Oregon's average sits at $6,199 doesn't tell you what to pay this month. What determines that is your own balance and APR run through a real schedule, a calculation $6,199 can't do for you.

The snowball method doesn't reference state averages like Oregon's $6,199 figure at all, it ranks by balance size alone. A card carrying less than $6,199 in Oregon gets attacked first if it's the smallest debt on the list, regardless of how it compares to the state figure.

Credit card interest compounds daily, so a balance like the $6,199 average accrues more over a full billing cycle than a simple monthly-rate estimate would suggest. That's part of why a $6,199 balance can feel stubborn even when a payment is being made every month, a portion of each payment covers interest that already accrued before the payment posted.

A $6,199 balance at a typical card APR racks up somewhere around $124 in interest during a single month, a figure that doesn't change based on Oregon's #30 rank. That $124 is the baseline a payment plan on a $6,199 balance has to beat to make real progress.

State-level averages like Oregon's $6,199 figure, ranked #30 nationally, reflect a mix of local economic factors outside any individual's control. What is in an individual's control is the payment amount and the order debts get paid off in, the same lever everywhere regardless of Oregon's rank.

Oregon's $6,199 figure is a snapshot of the state, not a forecast of any one balance. Atlas tracks your real numbers and recomputes your payoff date automatically as you pay down debt, whatever your starting point relative to $6,199.

Oregon's figures above come from Experian's state-by-state credit card debt data (2024 Q3), cross-checked against the national totals cited on this page.