Dallas residents may be good at making or spending money, but saving it is a different story altogether.

Out of over 2,500 cities surveyed, Dallas came in towards the bottom of Wallet Hub’s 2023 Best Cities at Money Management list.

Dallas was placed at No.1,907.

To determine the ranking, analysts from Wallet Hub leveraged data from TransUnion, the U.S. Census Bureau, and ATTOM Data Solutions from as recently as October 2022.

They then determined a score for each metric on a 100-point scale, with 100 representing the best money-management skills.

The study found Dallas to be in the 26th percentile when it comes to savings, with a median credit score of 663. 

Among the larger cities in the country, Dallas came in at No.53 out of 66, according to Wallet Hub. 

The average mortgage-debt-to-income ratio was 478%. By comparison, Cupertino, California, which was ranked as the best-saving city in the country, had a mortgage debt-to-income of 393%. 

Credit cards also appear to be an issue for Dallasites. Last year, residents averaged nearly four late payments and had a credit-card-debt-to-income ratio of 6.84%, according to Wallet Hub. 

Dallas’ car-loan-debt-to-income ratio was 43%, and student-loan-debt-to-income made up nearly half of residents’ income at 46%. 

Wallet Hub notes that in a recent survey, only 56% of adults said they have a good grasp on personal finance. Just 44% of Americans maintain a budget and regularly monitor their spending.

“Good money management skills are more important now than ever during this time of high inflation,” said Wallet Hub.

Fort Worth’s savings metrics were even worse than those of Dallas. The city known as “The Gateway to West Texas” came in the 12th percentile of cities surveyed, with a median credit score of just 524.

Despite the high cost of living, San Francisco was ranked as the largest city with the best savers. Other cities making the top five were Seattle, San Jose, Boston, and Minneapolis, according to Wallet Hub. 

The highest-ranked major Texas city on the list was Austin at No.14, while The Woodlands was the highest-ranked small city in Texas at No.9.