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Texans carry nearly $7,000 in average credit card debt. Could a HELOC help?
By Bill Spencer, Ninfa Saavedra at KPRC 2 Houston (NBC / Click2Houston)
· July 9, 2026
· 2 min read
Texans are carrying an average of nearly $7,000 in credit card debt, making the Lone Star State the seventh-worst in the nation for average credit card balances.As many families struggle with high-interest debt, financial experts say one tool that often goes unused is a home equity line of credit...
Key takeaway According to mortgage expert Charles Villafana, about 98% of Texans who own their homes mortgage-free have never opened a HELOC or second mortgage.
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About this story
Original reporting by KPRC 2 Houston (NBC / Click2Houston) . Sugar Land News surfaces reporting from trusted publishers and adds local editorial context so readers can quickly understand what a story means for their community. We attribute every source, link to the original report, and follow a documented editorial standards policy. To understand how stories are selected and reviewed, read our about page .
For the complete original report, visit KPRC 2 Houston (NBC / Click2Houston) . Have a tip or correction? Contact our newsroom .
Category: local ·
Published: July 9, 2026 ·
Source: KPRC 2 Houston (NBC / Click2Houston) ·
Reading time: 2 min
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Frequently asked about this story
What is this story about? Texans are carrying an average of nearly $7,000 in credit card debt, making the Lone Star State the seventh-worst in the nation for average credit card balances.As many families struggle with high-interest debt, financial experts say one tool that often goes unused is a home equity line of credit...
When was this published? This article was first published on July 9, 2026 by KPRC 2 Houston (NBC / Click2Houston) and curated for Sugar Land News readers.
Who reported this story? This story was reported by Bill Spencer, Ninfa Saavedra at KPRC 2 Houston (NBC / Click2Houston). To learn more about how Sugar Land News selects and reviews stories, see our editorial standards .
Where can I find related coverage? See more local coverage from Sugar Land News, or browse our daily briefing and topic hubs .
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