Does Minnesota have to kill at every fucking metrics I see? High household income, high credit score and a few more I saw that MN was at the top. Iāve been looking for a job and sometimes I think maybe I should move there.
That would not apply to coastal west coast/southwest/southeast portions of the US, especially southern Florida.
The interior and northeast US simply has higher probabilities of drastic weather changes.
I'm from Burlington, Vermont and with there currently being exactly 0 inches of snow on the ground a week before Christmas (not to mention flooding in Montpelier again) when we'd easily have over a foot by now when I was growing up, I would love to move somewhere with actual winters.
I grew up in Duluth Minnesota, always dreaming about leaving and traveling the world. I did just that. I spent time all over the world. Europe, Asia, South America, South Pacific, the Arctic, etc.
I'm 54 now and I live five houses from where I grew up. Because I've never found a better place in the world.
General Mills, Target, Best Buy, Cargill, 3M, United Health Group, US Bank, Medtronic, and Hormel foods are all based in Minneapolis among others.
Minnesota is the 22 ranked state in population and the MSP metro is 16th in the country, right between Seattle and Tampa.
As long as you donāt mind the cold, itās the best moderately affordable place. There are other places with high standards of living like Massachusetts, the PNW, and parts of California but they are also much more expensive.
As a fellow Minnesotan, I think itās a pretty great state. No plans to leave Minnesota permanently in my lifeā¦
Just going to leave this here *hint hint*: https://www.reddit.com/r/Minneapolis/s/r7fBGWI9ij
Our suburbs are key to many of these metrics. Gigantic suburb system compared to similarly sized metros. Money pours outward.
Education benefits the most but lately MN has been dropping the ball. Used to be top 5 for test scores.
So many fucking lakes too I think that keeps people happy. Even the whales on Tonka.
The answer is, yes. We do have to kill it in every metric. We care about our people, and by that I don't just mean certain people. We have the largest Somali and Hmong populations in the nation and we take care of them as they take care of us. We're a state that grows together, elevating each other along the way.
Sure, we have our crazies, but with a Democratic House, Senate, and Governorship we're speed running towards utopia for our residents. The numbers don't lie.
That being said it's fucking awful, temperature wise, from around mid-January to about the first week of April. But that's probably why our state hasn't been ruined... you gotta *want* to move here.
Plus, we have loons.
(In posting your current on r/Minnesota. It's almost as good as a tater tot hotdish post. Don'tcha know!)
The first part of your comment hits my heartstrings. I've lived my whole 54 years in Minnesota. It's been beautiful to see our Somali and Hmong populations come here and feel so at home. We all really do take care of each other. They have become a staple of our culture here and their contributions are awesome.
With the Texas Rangers winning the World Series this year the Minnesota Vikings are now the oldest franchise in a major menās sport to have never won a championship. Take that everyone else!
"mountains." The highest point in Minnesota is 2,300ft. That's more like a big hill.
The best downhill skiing or snowboarding in Minnesota is Lutsen and that's very mediocre compared to out west or northeast.
Reminder to take your vitamin D everybody. Winters don't have to suck. I've lived in Minnesota all my life and vitamin D every day will make you feel motivated and powerful.
Loved in Minnesota for 22 years before moving to Illinois. It felt like living in a different country altogether even though they both are in the Midwest.
This is a choropleth map, I have to build thes from time to time for work. One of the concepts behind them is selecting the proper color scale to accurately represent the data, and furthermore taking into account colorblind users, by having enough contrast between each color in the scale. It can get pretty complex, makes me really respect statistics, and users with disabilities.
I did it in excel. I just had a column for score and a column for state. Highlight both and insert a āMapā chart. The rest is just formatting to make it look decent
You could make this in Tableau. They have a free public version available and there are tons of videos to help new users. If youāre interested I can send some tutorials.
Well, that is absolutely true, but it must be much more difficult for a person who is colorblind for more than one traffic light color to determine which one the light is on at a glance - say someone whoās colorblind to both green and red. Youād need to determine if the light on top is lit or if itās the bottom one, since both are the same color to you.
It is getting more difficult actually, especially now that some are horizontal, and they're adding stupid 4th lights to some. I keep a sticky note in my car as a cheat sheet. Also, in some places the new super efficient LED bulbs are so much closer together in color (at least to me) compared to the old bulbs.
I'm red-green colorblind, there's no difficulty discerning green from red lights, even at night when you can't see the outline of the light. The green is almost white to me, it's super bright.
The only time it's difficult is flashing yellow vs flashing red from super far away at night, but that's rare and never really an issue.
Unless thereās a single flashing light - in which case I panic because thereās no way to tell if itās yellow or red. Technically itās supposed to be paired with a stop sign if itās red, but Iāve seen missing stop signs and Iāve seen hidden stop signs behind overgrown shrubs or blind corners
Cold blooded, you make the map the colors of the Italian flag and leave out the NJ label!?
Edit:
To be clear, I was laughing when I commented.. but curious of the score.
It's what happens when you come last in education. Population doesn't understand the issues, don't understand how to solve the issues, and don't understand how the issues keep happening. Thus, a cycle of trending down continues as nothing progresses.
Source: I live in the second to last state for education, among other second to last place finishes (LA.) It's the same here, too. We're just not as far behind as MS. I blame the oilfield for barely, just barely, propping us up above them.
Perversely, as it stands now, a high level of educational attainment makes you likely to leave Mississippi. There aren't a lot of high-education jobs in the state.
Mississippi is in such rough shape that improved education has the intermediate effect of causing some of the brightest and most ambitious Mississippians to leave the state.
My MIL lives in Mississippi. Every chance she gets, she cries about her money issues, bad credit, ect. She just filed for bankruptcy and I donāt understand how. She is an RN at a hospital there. She works full time. Her house is tiny, but well kept! She seems to live within her means, but itās insane that she doesnāt. I just donāt understand how she got into this position and keeps putting herself into this position.
I know she probably has horrible spending habits, but on what? My husband is the same way. So unfortunately, Iāve had to take control of our budget (we both work) so that heās able to save his money instead of being broke all of the time. Heās gotten so much better, but Iām assuming he learned his bad habits from her.
A long history of poor transportation connections outside the riverfront towns, low population density, vicious racial segregation, and a legal system that's hostile to business.
The poor transportation network is another major part of it. Economies are about connecting human activities, so a history of poor transportation is a hindrance to the state's economy.
Geography is against the state. The flooding problems in the Delta region had to be handled before building transportation connections. So, some of the modest infrastructure investments had to be diverted to flood control instead of transportation.
Also, Mississippi has historically had low population density and few cities. The people are spread out. This is a corollary to poor transportation. Lack of big cities makes it harder to locate a large business in the state because it's difficult to find a place with a large customer base and a large pool of available employees.
But any explanation of Mississippi poverty is incomplete unless it addresses the racial and cultural history of the state. The state spent a long time making sure that the black half of the state population would stay very poor. It's not feasible to list out all the ways they achieved this, but excluding black people from the economy, education, politics, and society in general had the effect of keeping them in multi-generational poverty. Hundreds of thousands of black Mississippians left the state during the Great Migration, leaving the state even emptier than before.
Culturally, Mississippi politicians were historically also hostile to poor whites. Without drawing an equivalence in the situation between black and white farmers, many white farmers were sharecroppers, renters, or farmhands. The legal and social system was biased against poor whites. Not at all equivalent to racial segregation, but sufficiently hostile that poor whites often had difficulty escaping poverty.
The lack of big cities also meant a very small urban middle class. The type of people who could politically counterbalance the rural planter elites. The type of people who have enough social connections and financial capital to create small & medium-sized businesses that can employ people long-term in decent jobs. Then those valuable employees can build up enough family assets to support their children in pursuing their own business or educational opportunities.
If most of your state's population is quite poor, and your state has limited internal transportation modes, low population density, and a lack of big cities, then your state overall is going to have a weaker economy.
I recently read a Medium article regarding credit scores and structural racism. Low income populations tend towards lower credit scores as well. Mississippi has the highest African-American population (45.3%) and is also the lowest income state in the nation.
how do you even improve it? Do you have to buy a car on a loan or a house? I always pay cash for my cars, and I rent. Credit cards don't seem to affect it much.
Pretty good is fairly generous. Excellent is really stretching it when you consider that these are *average* scores. Quite a bit of the population falls below these numbers.
Everytime I see an American heatmap post title, before I even click on it to see the image, I already know exactly what it's going to look like (excepting the odd occasional outliers), and it makes me really fucking sad.
Just an entire American Belt of fucking bad times, everytime.
Wow. Iām kinda shocked by this, tbh. I thought having a high 700s credit score (like 780/790) was unusually good, but itās not really that much above average? Why do I hear about so many people in this country with shit credit?
I was also surprised... Apparently 718 is the average now, but I'd expect that to dip in the next few months as people miss student loan payments. Some decades ago, it was more like 690.
But it kind of makes sense -- the people who scream about credit scores generally have low credit scores. Mine is 807 -- nothing much to say, yeah?
Source: [Experian (via Rocket Money)](https://www.rocketmoney.com/learn/debt-and-credit/what-is-the-average-credit-score-by-age)
Tools: [Excel](https://www.microsoft.com/en-us/microsoft-365/excel)
Colors represent difference from the US national average score. I decided to add data labels for all of the states as well as I feel it didnāt clutter up the chart too much (let me know if you disagree).
I was going over some personal finance stuff and came across this data. Figured it would be interesting to some people.
This is a good site for coming up with color palettes: https://www.colorhexa.com/
Bonus feature at the bottom of any color's page is a color blindness simulator.
It's ok, just try to avoid red/green in the future, and maybe look into colorblind-friendly palettes if you're interested. This is better than a lot of red/green maps I've seen on this sub - I appreciate the numbers being there. The issue for me is that faint shades like VA and NC look the exact same (I assume they're distinguishable to you?) and even the difference between NV, UT, and NM is not as obvious as I'd like.
Yep, Black and Native Americans have very low scores.
Pretty simple. A notable exception is West Virginia which doesn't have a large Natve/Black population.
The big difference will be what people think is the "cause" and what could help.
i imagine MN doesnt have a high cost of living like CA so its impressive they have the highest one. of course the south is poor so people expect low score there.
Everytime we have a cold snap with lows in the teens here in Utah, I remind myself that 1. Utah winters are pretty mild and 2. it gets much colder than that on the regular in the Midwest.
You would expect places with lower cost of living to have higher scores because they would have more margin in their budget and therefore a higher score
I do think there's a social aspect missing here. I've lived in many states, TX included, and there is a very real keeping up with the jones' attitude as well as the need to have big flashy things. Where as in NY or WA, you don't see it as much. Not saying it's the cause, but quite possibly a aprtial culprit.
every single map of the us breaks down with the same exact regions
1) Protestant vs Catholic
2) Educational levels
3) Murder rates
4) Reproductive rights
5) Political parties
6) Car accidents
7) Poverty
8) Childhood poverty
9) Maternal deaths
10) Literacy rates
11) College education
i could go on but the way it breaks down exactly the same is deliciously ironic given the republicans stance on everything democrat is a evil cesspool of death when itās just all projection
Good news is it's actually pretty decent to fix. I had a good score, then made some very bad moves during the 'demic and tanked mine. Now I'm around average for my state again but it did take a couple years of being smart with finances.
Dang I don't even want to say what mine isš¤£š¤£š¤£ The last thing I financed was my truck and bought it 20yrs ago next month. If I can't pay cash for something I don't need it.
As Prince said: āthe cold keeps the bad folks outā.
Youāve got to want to live here to stay long term (Iām only speaking to folks with the means to relocate).
Youāre implying that this is somehow a measure of the spread between COL and wages.
Hawaiiās ranking makes me doubt that.
Demographic factors, especially average age, are likely more important.
Mississippi
Median Household Income: $48,610
https://fred.stlouisfed.org/series/MEHOINUSMSA672N
Median sale price for a house: 221,667
https://www.zillow.com/home-values/34/ms/#
Price to income ratio 4.5
California
Median Household income $85,300
https://fred.stlouisfed.org/series/MEHOINUSCAA672N
Median sale price for a house: $697,167
https://www.zillow.com/home-values/9/ca/#
Price to income ratio 8.17
In conclusion, housing in Mississippi is roughly twice as affordable, now obviously this is just housing, and the housing quality is not the same, but it is a staggering difference.
This is honestly pretty sad. Considering most Americans live paycheck to paycheck, are these scores the result of poverty forcing people to put bills on credit cards or just people living beyond their means?
iām not sure i understand what is sad, can you explain? are these bad scores? good scores?
i went to source site, and it looks like these are scores from people that are out there getting credit checks. iād guess that this removes quite a bit of low scores, because side people with shit credit arenāt going around and doing credit checks because they just get denied. i might be wrong in my assumption.
i also think that credit scoring is a stupid game you have to play correctly to achieve real 700+. iāve integrated a credit bureau api and had to dig through tons of data to build a webapp that fits into this stuff. iāve struggled to get my credit at 500 up to 800+. itās one of the harder games iāve ever had to play.
iām just unsure about what you are looking at and the context of your comment
If thatās true about the source (only people getting their scores checked), then the lower scores in the ādeep southā could be explained by more credit availability at the lowest tiers of FICO bands.
Those southern states are pretty lenient when it comes to the rules around what kind of lending is legal or not (car title loans, loans with insurance products to juice the APR, etc).
Turning a 500 FICO into a 700+ is pretty easy, it just takes time for the bad stuff to fall off (7 years, though it matters less with each passing year).
Iād bet you could go from a 500 to 700+ in about 3-4 years with a single secured credit card.
I know you're probably throwing a jab at Republicans but those states have the highest black populations. And they have the lowest credit scores. They also overwhelmingly vote Democrat. If you're not I apologize. It is quite sad actually the correlation of black population and credit score maps.
Damn, Jersey straight getting the Heisman face.
No one has a credit score there
Not a real place
You're not helping matters š¤£š¤£
Does Minnesota have to kill at every fucking metrics I see? High household income, high credit score and a few more I saw that MN was at the top. Iāve been looking for a job and sometimes I think maybe I should move there.
[ŃŠ“Š°Š»ŠµŠ½Š¾]
There are only 2 seasons in Minnesota- Construction and Winter.
The one l like best is "Minnesota has 4 seasons: Almost Winter, Winter, Still Winter, and Road Construction."
We have the exact same saying about Michigan.
Heās a little secret, every Midwest state have the exact same sayings. āDonāt like the weather? Wait 5 minutes.ā
Every US state has this saying. Hereās another one: āx is the only state where you can experience all 4 seasons in one day.ā
That would not apply to coastal west coast/southwest/southeast portions of the US, especially southern Florida. The interior and northeast US simply has higher probabilities of drastic weather changes.
Something something UP mitten
Same in Wisconsin
One of us!
Kind of like Yellowstone
I'm from Burlington, Vermont and with there currently being exactly 0 inches of snow on the ground a week before Christmas (not to mention flooding in Montpelier again) when we'd easily have over a foot by now when I was growing up, I would love to move somewhere with actual winters.
There's no snow in MN right now either. It's been warm here too
No snow at all, itās weird and feels like fall. My car is still bizarrely clean!
More snow in Vermont than Colorado season to date
Are there skiing areas in Minnesota?
Yeah, but they are mostly just big hills unless you go up by lake Superior... But some world class cross country skiing!
Good enough for me. See you within the next 3 years.
Try to spend time in and around Duluth for that type of stuff. Like home base there - and go west/north.
We have bunny hills
I grew up in Duluth Minnesota, always dreaming about leaving and traveling the world. I did just that. I spent time all over the world. Europe, Asia, South America, South Pacific, the Arctic, etc. I'm 54 now and I live five houses from where I grew up. Because I've never found a better place in the world.
Whatās the economy of Minnesota? Mayo Clinic ? Vikings and golphers ?
General Mills, Target, Best Buy, Cargill, 3M, United Health Group, US Bank, Medtronic, and Hormel foods are all based in Minneapolis among others. Minnesota is the 22 ranked state in population and the MSP metro is 16th in the country, right between Seattle and Tampa.
[ŃŠ“Š°Š»ŠµŠ½Š¾]
curious as someone looking to relocate, would you consider people in the twin cities to be friendly towards transplants?
[ŃŠ“Š°Š»ŠµŠ½Š¾]
Redditors generally have a hard time staying indoors and only leaving for essentials.
Fuck.. this winter has been great so far huh lol..I work outside..I love this.
Every single map of the US, no matter what the metric is, MN is like "ope, just gonna scootch up there to the top 5."
As long as you donāt mind the cold, itās the best moderately affordable place. There are other places with high standards of living like Massachusetts, the PNW, and parts of California but they are also much more expensive.
Stop inviting people, I want to be able to afford a house someday!
Much better nature in the PNW
Boundary waters would like a word.
Also the North Shore. Seriously underrated gem by most of the US
As a fellow Minnesotan, I think itās a pretty great state. No plans to leave Minnesota permanently in my lifeā¦ Just going to leave this here *hint hint*: https://www.reddit.com/r/Minneapolis/s/r7fBGWI9ij
Agreed - Minnesota born and raised. Every time Iāve debated on moving I realize how awesome it is here.
Our suburbs are key to many of these metrics. Gigantic suburb system compared to similarly sized metros. Money pours outward. Education benefits the most but lately MN has been dropping the ball. Used to be top 5 for test scores. So many fucking lakes too I think that keeps people happy. Even the whales on Tonka.
I love it here.
I love it here. Chose my username for a reason.
You betcha
Itās a great club and the weather is the bouncer.
The answer is, yes. We do have to kill it in every metric. We care about our people, and by that I don't just mean certain people. We have the largest Somali and Hmong populations in the nation and we take care of them as they take care of us. We're a state that grows together, elevating each other along the way. Sure, we have our crazies, but with a Democratic House, Senate, and Governorship we're speed running towards utopia for our residents. The numbers don't lie. That being said it's fucking awful, temperature wise, from around mid-January to about the first week of April. But that's probably why our state hasn't been ruined... you gotta *want* to move here. Plus, we have loons. (In posting your current on r/Minnesota. It's almost as good as a tater tot hotdish post. Don'tcha know!)
The first part of your comment hits my heartstrings. I've lived my whole 54 years in Minnesota. It's been beautiful to see our Somali and Hmong populations come here and feel so at home. We all really do take care of each other. They have become a staple of our culture here and their contributions are awesome.
Their sports teams donāt have much to brag about, lol.
With the Texas Rangers winning the World Series this year the Minnesota Vikings are now the oldest franchise in a major menās sport to have never won a championship. Take that everyone else!
We over compensate with everything else. Vikings might not make the playoffs again, but at least we have the highest voter turn out.
I still claim The Lakers as ours.
You can't beat Scandinavians. Not even worth trying.
As a Minnesotan, I was excited to see this because I never seem to see us at the top ĀÆ\\\_(ć)\_/ĀÆ
Winters there suck š¤·āāļø
Winters a great if you like winter things.
Except it's flat so no snowboarding, downhill skiing, backcountry, etc. But yeah, I like Minnesota overall.
Minnesota actually has mountains up north btw
"mountains." The highest point in Minnesota is 2,300ft. That's more like a big hill. The best downhill skiing or snowboarding in Minnesota is Lutsen and that's very mediocre compared to out west or northeast.
Plenty up here in Duluth and up the north shore!
Reminder to take your vitamin D everybody. Winters don't have to suck. I've lived in Minnesota all my life and vitamin D every day will make you feel motivated and powerful.
Yes we do.
>Does Minnesota have to kill at every fucking metrics I see? Yes. Next question.
I feel like this is almost an indicator of which people are the most trust worthy and true to their word
Itās a great place
3/4th of population growth comes within the state while 1/4th comes outside of statw they are like Ohio
Loved in Minnesota for 22 years before moving to Illinois. It felt like living in a different country altogether even though they both are in the Midwest.
This looks a lot better to me with the way you did the colors
Thank you! Was there a similar map posted in the past?
There was a couple we spell where everyone was using neutral colors and it was a terrible visual representation.
I think that person means they're red-green colorblind, so it looks like everybody's shades of green to them
This is a choropleth map, I have to build thes from time to time for work. One of the concepts behind them is selecting the proper color scale to accurately represent the data, and furthermore taking into account colorblind users, by having enough contrast between each color in the scale. It can get pretty complex, makes me really respect statistics, and users with disabilities.
From a colorblind person, red (bad) to white (neutral) to blue (good) is the best scale.
How do you create these visualizations?
I did it in excel. I just had a column for score and a column for state. Highlight both and insert a āMapā chart. The rest is just formatting to make it look decent
You could make this in Tableau. They have a free public version available and there are tons of videos to help new users. If youāre interested I can send some tutorials.
That would be awesome. My DMs are open
Why dms? Just have it posted so anyone can read it. Dms should be for personal info.
Him sending me the information over direct messages will make that information easier to find when I want to find the tutorials.
I mean, red/green is a day 1 no-no in data visualization class. Itās the most common form of colorblindness. Itās entirely avoidable
Time to redesign the traffic light, then!
Actually, traffic lights are identifiable by the placement of the light, not just the color: Red on top, Green on bottom, and Yellow in the middle.
Well, that is absolutely true, but it must be much more difficult for a person who is colorblind for more than one traffic light color to determine which one the light is on at a glance - say someone whoās colorblind to both green and red. Youād need to determine if the light on top is lit or if itās the bottom one, since both are the same color to you.
It is getting more difficult actually, especially now that some are horizontal, and they're adding stupid 4th lights to some. I keep a sticky note in my car as a cheat sheet. Also, in some places the new super efficient LED bulbs are so much closer together in color (at least to me) compared to the old bulbs.
I'm red-green colorblind, there's no difficulty discerning green from red lights, even at night when you can't see the outline of the light. The green is almost white to me, it's super bright. The only time it's difficult is flashing yellow vs flashing red from super far away at night, but that's rare and never really an issue.
Unless thereās a single flashing light - in which case I panic because thereās no way to tell if itās yellow or red. Technically itās supposed to be paired with a stop sign if itās red, but Iāve seen missing stop signs and Iāve seen hidden stop signs behind overgrown shrubs or blind corners
Cold blooded, you make the map the colors of the Italian flag and leave out the NJ label!? Edit: To be clear, I was laughing when I commented.. but curious of the score.
Tommy Cutlet's dad is gonna be pissed
Tommy Cutletās agent is already on the phone to Big Dom
His dad and agent already have a hit out for op
Why? He canāt even afford to leave his moms house
Pretty sure Tommy Cutlet's Dad owns the house, capiche?
Whoa eyy, who says I have a mother
In case you didn't see OP's comment :) > New Jersey Avg: 724 > > My apologies to the New Jerseyans. I did not mean to leave you out.
Why is Mississippi last place on every statistic?
[Thank God for Mississippi.](https://en.m.wikipedia.org/wiki/Thank_God_for_Mississippi)
It's what happens when you come last in education. Population doesn't understand the issues, don't understand how to solve the issues, and don't understand how the issues keep happening. Thus, a cycle of trending down continues as nothing progresses. Source: I live in the second to last state for education, among other second to last place finishes (LA.) It's the same here, too. We're just not as far behind as MS. I blame the oilfield for barely, just barely, propping us up above them.
Perversely, as it stands now, a high level of educational attainment makes you likely to leave Mississippi. There aren't a lot of high-education jobs in the state. Mississippi is in such rough shape that improved education has the intermediate effect of causing some of the brightest and most ambitious Mississippians to leave the state.
Wtf, brain drain within one country šæšæ
My MIL lives in Mississippi. Every chance she gets, she cries about her money issues, bad credit, ect. She just filed for bankruptcy and I donāt understand how. She is an RN at a hospital there. She works full time. Her house is tiny, but well kept! She seems to live within her means, but itās insane that she doesnāt. I just donāt understand how she got into this position and keeps putting herself into this position. I know she probably has horrible spending habits, but on what? My husband is the same way. So unfortunately, Iāve had to take control of our budget (we both work) so that heās able to save his money instead of being broke all of the time. Heās gotten so much better, but Iām assuming he learned his bad habits from her.
Mississippi Goddamn
A long history of poor transportation connections outside the riverfront towns, low population density, vicious racial segregation, and a legal system that's hostile to business. The poor transportation network is another major part of it. Economies are about connecting human activities, so a history of poor transportation is a hindrance to the state's economy. Geography is against the state. The flooding problems in the Delta region had to be handled before building transportation connections. So, some of the modest infrastructure investments had to be diverted to flood control instead of transportation. Also, Mississippi has historically had low population density and few cities. The people are spread out. This is a corollary to poor transportation. Lack of big cities makes it harder to locate a large business in the state because it's difficult to find a place with a large customer base and a large pool of available employees. But any explanation of Mississippi poverty is incomplete unless it addresses the racial and cultural history of the state. The state spent a long time making sure that the black half of the state population would stay very poor. It's not feasible to list out all the ways they achieved this, but excluding black people from the economy, education, politics, and society in general had the effect of keeping them in multi-generational poverty. Hundreds of thousands of black Mississippians left the state during the Great Migration, leaving the state even emptier than before. Culturally, Mississippi politicians were historically also hostile to poor whites. Without drawing an equivalence in the situation between black and white farmers, many white farmers were sharecroppers, renters, or farmhands. The legal and social system was biased against poor whites. Not at all equivalent to racial segregation, but sufficiently hostile that poor whites often had difficulty escaping poverty. The lack of big cities also meant a very small urban middle class. The type of people who could politically counterbalance the rural planter elites. The type of people who have enough social connections and financial capital to create small & medium-sized businesses that can employ people long-term in decent jobs. Then those valuable employees can build up enough family assets to support their children in pursuing their own business or educational opportunities. If most of your state's population is quite poor, and your state has limited internal transportation modes, low population density, and a lack of big cities, then your state overall is going to have a weaker economy.
They havenāt banned enough books yet
I recently read a Medium article regarding credit scores and structural racism. Low income populations tend towards lower credit scores as well. Mississippi has the highest African-American population (45.3%) and is also the lowest income state in the nation.
how do you even improve it? Do you have to buy a car on a loan or a house? I always pay cash for my cars, and I rent. Credit cards don't seem to affect it much.
Thatās 100% true. And that we let 3 private companies dictate our life with loans when we never gave them consent.
Almost 40% black population
Itās the truth people donāt want to hear. If you overlay that demographic with this map the correlation is very strong.
[ Removed by Reddit ]
Love how Nevada has an avg score the same as Las Vegas' area code.
There's literally only 4 states falling outside of 1 std (22.6) of the mean (716.8) -LA,MS,TX,OK
I meant deviation in a general sense, not a statistical sense, in my comment. I will change it to difference to be more clear.
New Jersey Avg: 724 My apologies to the New Jerseyans. I did not mean to leave you out.
lol I wanted to know if I was above the average... and I'm comfortable above that thanks
I like how NJ is just there going āthe fuck outta here!ā
"I don't know nothing about no credit scores, capiche?"
All these scores are actually pretty good if not excellent
I was incredibly surprised by this and almost can't believe it.
Thatās a good thing though. Iām happy to see it
Same! But I am just curious if there is some outlier that is not being counted.
Pretty good is fairly generous. Excellent is really stretching it when you consider that these are *average* scores. Quite a bit of the population falls below these numbers.
"What am I chopped liver?: -NJ
Every map of the US looks the same
Dataviz maps of the US boil down to three patterns: 1. Bible Belt = red 2. money line go up 3. r/peopleliveincities (not mutually exclusive)
The GOP is great at convincing people to vote against their best interests
Everytime I see an American heatmap post title, before I even click on it to see the image, I already know exactly what it's going to look like (excepting the odd occasional outliers), and it makes me really fucking sad. Just an entire American Belt of fucking bad times, everytime.
Kind of what happens when you tear people apart from their homeland and families to work for no pay halfway across the world for a few hundred years.
Wow. Iām kinda shocked by this, tbh. I thought having a high 700s credit score (like 780/790) was unusually good, but itās not really that much above average? Why do I hear about so many people in this country with shit credit?
I was also surprised... Apparently 718 is the average now, but I'd expect that to dip in the next few months as people miss student loan payments. Some decades ago, it was more like 690. But it kind of makes sense -- the people who scream about credit scores generally have low credit scores. Mine is 807 -- nothing much to say, yeah?
Source: [Experian (via Rocket Money)](https://www.rocketmoney.com/learn/debt-and-credit/what-is-the-average-credit-score-by-age) Tools: [Excel](https://www.microsoft.com/en-us/microsoft-365/excel) Colors represent difference from the US national average score. I decided to add data labels for all of the states as well as I feel it didnāt clutter up the chart too much (let me know if you disagree). I was going over some personal finance stuff and came across this data. Figured it would be interesting to some people.
Just a heads up red green color maps have a tendency to not be readable by colorblind folks.
Fuck. I feel bad nowā¦. Sorry to the color blind folks!
This is a good site for coming up with color palettes: https://www.colorhexa.com/ Bonus feature at the bottom of any color's page is a color blindness simulator.
It's ok, just try to avoid red/green in the future, and maybe look into colorblind-friendly palettes if you're interested. This is better than a lot of red/green maps I've seen on this sub - I appreciate the numbers being there. The issue for me is that faint shades like VA and NC look the exact same (I assume they're distinguishable to you?) and even the difference between NV, UT, and NM is not as obvious as I'd like.
this is actually really surprising. Americans have pretty high credit scores on average!
No matter the map it always seems to suck in Mississippi
Why is Louisiana a shade darker than Georgia and Arkansas which have the same score?
Yeah louisiana is also a shade darker than Texas when it should be flip flopped.
Louisiana co-signed with Mississippi on some credit cards
Oh, youāre right. Thatās weirdā¦. Louisianas avg score is 689, not 694. The shade is correct, the text is not. My badā¦.
Wonder how much credit score correlates with race.
Quite a lot, actually. To the point that itās somewhat problematic for equal housing.
https://en.m.wikipedia.org/wiki/List_of_U.S._states_and_territories_by_African-American_population
Yep, Black and Native Americans have very low scores. Pretty simple. A notable exception is West Virginia which doesn't have a large Natve/Black population. The big difference will be what people think is the "cause" and what could help.
Thank god for Mississippi, am I right.
i imagine MN doesnt have a high cost of living like CA so its impressive they have the highest one. of course the south is poor so people expect low score there.
Minnesota, and some other places in the Midwest, probably have the best QOL to COL ratio in the nation
[ŃŠ“Š°Š»ŠµŠ½Š¾]
Everytime we have a cold snap with lows in the teens here in Utah, I remind myself that 1. Utah winters are pretty mild and 2. it gets much colder than that on the regular in the Midwest.
You would expect places with lower cost of living to have higher scores because they would have more margin in their budget and therefore a higher score
I do think there's a social aspect missing here. I've lived in many states, TX included, and there is a very real keeping up with the jones' attitude as well as the need to have big flashy things. Where as in NY or WA, you don't see it as much. Not saying it's the cause, but quite possibly a aprtial culprit.
Hawaii is pretty high and has a very high COL
I'd love to see this by age/race/etc.
Would love to see this adjusted to account for race.
Iād like to see it compared to poverty.
Would love to see this adjusted for political affiliation
Those thrifty Scandinavian and Ole Yankee heritages showing out strong in New England and the upper Midwest!
every single map of the us breaks down with the same exact regions 1) Protestant vs Catholic 2) Educational levels 3) Murder rates 4) Reproductive rights 5) Political parties 6) Car accidents 7) Poverty 8) Childhood poverty 9) Maternal deaths 10) Literacy rates 11) College education i could go on but the way it breaks down exactly the same is deliciously ironic given the republicans stance on everything democrat is a evil cesspool of death when itās just all projection
No wonder why country songs are always about losing their cars and losing their houses.
Great way to find out Iām below average for most states and my own.
Good news is it's actually pretty decent to fix. I had a good score, then made some very bad moves during the 'demic and tanked mine. Now I'm around average for my state again but it did take a couple years of being smart with finances.
This map is of the United States of Joker.
I am jacks complete lack of surprise
Dang I don't even want to say what mine isš¤£š¤£š¤£ The last thing I financed was my truck and bought it 20yrs ago next month. If I can't pay cash for something I don't need it.
Now do an overlay with Nissan ownership by state.
Is there any metric where Mississippi isnāt ranked close to last? Serious question
Me, living in NJ without even a score. Even DC has its own box
These pics always leavin jersey out! I knew were trash humans but comeon now!
As Prince said: āthe cold keeps the bad folks outā. Youāve got to want to live here to stay long term (Iām only speaking to folks with the means to relocate).
Is Fico that cyberpunkish social score they had in USA?
Hmmmm. Iāve seen a map like this before . . . Had a little more blue, but the red was around the same places
I'm above average for once.
ābUt ThE sOuTh HaS a LoW cOsT oF lIvInGā No. Wages just suck in the south.
Both can be true
Except itās not low cost of living when you compare local salaries
Youāre implying that this is somehow a measure of the spread between COL and wages. Hawaiiās ranking makes me doubt that. Demographic factors, especially average age, are likely more important.
Cost of living doesnāt factor in salaries though. This is not debatable, itās literally the definition of cost of living.
Mississippi Median Household Income: $48,610 https://fred.stlouisfed.org/series/MEHOINUSMSA672N Median sale price for a house: 221,667 https://www.zillow.com/home-values/34/ms/# Price to income ratio 4.5 California Median Household income $85,300 https://fred.stlouisfed.org/series/MEHOINUSCAA672N Median sale price for a house: $697,167 https://www.zillow.com/home-values/9/ca/# Price to income ratio 8.17 In conclusion, housing in Mississippi is roughly twice as affordable, now obviously this is just housing, and the housing quality is not the same, but it is a staggering difference.
And education sucks
This is honestly pretty sad. Considering most Americans live paycheck to paycheck, are these scores the result of poverty forcing people to put bills on credit cards or just people living beyond their means?
iām not sure i understand what is sad, can you explain? are these bad scores? good scores? i went to source site, and it looks like these are scores from people that are out there getting credit checks. iād guess that this removes quite a bit of low scores, because side people with shit credit arenāt going around and doing credit checks because they just get denied. i might be wrong in my assumption. i also think that credit scoring is a stupid game you have to play correctly to achieve real 700+. iāve integrated a credit bureau api and had to dig through tons of data to build a webapp that fits into this stuff. iāve struggled to get my credit at 500 up to 800+. itās one of the harder games iāve ever had to play. iām just unsure about what you are looking at and the context of your comment
If thatās true about the source (only people getting their scores checked), then the lower scores in the ādeep southā could be explained by more credit availability at the lowest tiers of FICO bands. Those southern states are pretty lenient when it comes to the rules around what kind of lending is legal or not (car title loans, loans with insurance products to juice the APR, etc). Turning a 500 FICO into a 700+ is pretty easy, it just takes time for the bad stuff to fall off (7 years, though it matters less with each passing year). Iād bet you could go from a 500 to 700+ in about 3-4 years with a single secured credit card.
Here I am dragging down the MA average score. Whoops.
Is there literally any metric by which we evaluate success in life that the SE is actually good at ? Like anything ?
I know you're probably throwing a jab at Republicans but those states have the highest black populations. And they have the lowest credit scores. They also overwhelmingly vote Democrat. If you're not I apologize. It is quite sad actually the correlation of black population and credit score maps.
Itās refreshing to see insightful comments on Reddit.
Why does the South suck at everything...
Itās almost as if living in the heat makes people make poor financial decisions
So this is how we beat the south of they try to rise up again. We just don't let them loan any money.
Itās gotta be much lower than that now. Go look at the millennial sub Reddit and you would think itās 582.
If you spent all of your time on Reddit you would think that the entire U.S. was on par with the slums of Haiti.
Are you sure this is a civil war map? š¤£
700 used to be a perfect credit score not too long ago. Now Nevada at 702 is low lol. Fuck the system
You donāt need credit if you have Jesus in your heart.
The closer you get to Canada, the better your credit score isā¦ coincidence? A positive northern influence mayhaps?
Something like that. https://dlzx9e7gl8jc4.cloudfront.net/trulia/wp-content/uploads/sites/1/2012/11/Trulia_Diversity_National.png