drowning in debt

Texas billed top-10 rank in new report of states dealing with most debt

Everything's bigger here — including the spending.

Photo by Image Source Getty Images

It's not too late to rein in that holiday spending, Texas. A new financial report has revealed Texas is the No. 9 state with the highest debt levels in the country.

The report by personal finance website CreditDonkey examined each state's average mortgage debt, student debt, automobile debt, and credit card debt. Rankings were determined based on which state had the highest amount of debt.

Texas was ranked so highly due to its rampant amount of auto loan debt, the most out of all 50 states. Over 100 million Texans have loans on their cars, which has racked up more than $1.5 trillion in auto loan debt. The average Texan's auto loan debt stands at $27,739.

Texans' higher-than-average credit card debt was also a major factor, according to the report. The average credit card debt amount adds up to $6,542.

The average mortgage debt in the Lone Star State is $217,461, while the average student debt amounts to $33,354. For a house-rich city like Dallas, affording a starter home will cost residents 10.6 percent more than it did in 2022.

While Texas' level of debt is no laughing matter, residents can find some relief in the fact that they're not living in California. Californians have the most debt in America, with the average mortgage debt at nearly $423,000 per household, and an average student loan debt of $37,384. Any Texans considering relocating might want to rethink their choice with that level of debt on the horizon.

CreditDonkey Director of Research Anna Ge explained the "multifaceted story" of why debt in Texas (and overall in the United States) has skyrocketed over the years.

"The causes for the surge in debt are rooted in a confluence of factors – from the pursuit of higher education to home-ownership aspirations and the challenges of rising costs across the board," she said. "The ease of access to credit, while providing immediate relief, has contributed to a culture where spending can outpace income."

Population growth and consumerism are two other driving factors, according to Ge.

"There are also more deep-rooted issues that are causing such drastic increases in debt, from rising costs of essentials such as gas and groceries, to healthcare and living expenses (rent and bills), as costs continue to rise many Americans are being pushed to the edge and require relief that inevitably results in the building up of debt," Ge continued.

The top 10 states struggling with the most debt are:

No. 1 – California
No. 2 – Hawaii
No. 3 – Maryland
No. 4 – Alaska
No. 5 – Colorado
No. 6 – Washington
No. 7 – Virginia
No. 8 – Georgia
No. 9 – Texas
No. 10 – Nevada

texas reports finance

Unhappy holidays

Porch pirates pilfer nearly $2B worth of Texas packages, study shows

Porch Pirate Person in Glasses Steals Packages

Getty Images

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’Tis the season for porch pirates. If past trends are an indicator, the Grinch will swipe close to $2 billion worth of packages delivered to Texas households this year, with many of those thefts happening ahead of the holiday season.

An analysis of FBI and survey data by ecommerce marketing company Omnisend shows porch pirates stole more than $1.8 billion worth of packages from Texans’ porches last year. Porch pirates hit nearly one-third of the state’s households in 2024, according to the analysis.

Omnisend’s analysis reveals these statistics about porch piracy in Texas:

30.1 million residential package thefts in 2024.
An average household loss of $169 per year.
An annual average of 2.9 package thefts per household.

“Most stolen items are cheap on their own, but add them up, and retailers and consumers are facing an enormous bill,” says Omnisend.

Another data analysis, this one from The Action Network sports betting platform, unwraps different figures regarding porch piracy in Texas.

The platform’s 2025 Porch Pirate Index ranks Texas as the state with the highest volume of residential thefts, based on 2023-24 FBI data.

Researchers at The Action Network uncovered 26,293 reports of personal property thefts at Texas residences during that period. The network’s survey data indicates 5 percent of Texas residents had a package stolen in the three months before the pre-holiday survey.

The Porch Pirate Index calculates a 25.8 percent risk of a Texas household being victimized by porch pirates, putting it in the No. 5 spot among states with the highest risk of porch piracy.

The Action Network included online-search volume for terms like “package stolen” and “porch pirates.” Sustained spikes in these searches suggest that “people are actively looking for guidance after something has happened. Search trends serve as an early warning system, revealing emerging-risk areas well before annual crime statistics are released,” the network says.

Tips to avoid being a victim
So, how do you prevent porch pirates from snatching packages that end up on your porch? Omnisend, The Action Network and Amazon offer these eight tips:

Closely monitor deliveries and quickly retrieve packages.
Schedule deliveries for times when you’ll be home.
Use delivery lockers or in-store pickup when possible.
Ask delivery services to hide packages in out-of-sight spots outside your home.
Install a visible doorbell camera or security camera.
Coordinate deliveries with neighbors or building managers if you’ll be away from your home when packages are supposed to arrive.
Request that delivery services hold your packages if you can’t be home when they’re scheduled to come.
Illuminate the path to your doorstep and keep porch lights on.

holidays porch pirates crime

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Unhappy holidays

Porch pirates pilfer nearly $2B worth of Texas packages, study shows