10. Hartford, Connecticut
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Average credit card balance: $6,468
Average balance change over one year: decreased 2.1 percent
Everyday expenses such as groceries and transportation cost more than the national average in this Connecticut River Valley city, former home of Mark Twain and Harriet Beecher Stowe, according to U.S. News & World Report.
However, the costs of renting and buying a home — a median of $1,028 per month and $206,383 per home, respectively — are lower in Hartford than the national average. In fact, the cost of housing has actually declined there for the past decade despite the national median cost of housing increasing over the same period.