Using data from the 100 most populous U.S. metro areas, NerdWallet determined where residents are the best at managing credit, debt and housing costs. Staffers Laura McMullen and Courtney Miller take a look at the list, which ranked San Jose-Sunnyvale-Santa Clara, California as the number-one metro area for financially responsible residents.

One of the criterion used for this analysis was debt which was measured in multiple ways such as debt as a percentage of residents’ income and other types of debt:

The examination of other kinds of consumer debt included mortgages, auto loans and personal loans. San Jose and San Francisco, which have among the highest median annual incomes, have the two lowest debt-to-income ratios, at 12% and 16%. Boston (26%) and Seattle (28%) have among the lowest ratios, too.

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