The Urban Institute (UI) has released a new interactive map that breaks down each how much personal debt the residents of every U.S. county holds. Via Curbed SF, the big learning for the Bay Area is that the San Francisco region is among the least debt-ridden places in America.

UI defines a U.S. household in debt as one with “past-due credit lines that have been closed [...] as well as unpaid bills reported to the credit bureaus that the creditor is attempting to collect” and extrapolated from “identified, consumer-level records from a major credit bureau.” According to them, 33 percent of U.S. households meet this criteria at any given time. 

In San Francisco, however, that number sinks to 16 percent. Nearby Santa Clara County shares the same number as well. While not the lowest overall, it’s among the lowest in California. Only Marin County has a lower percentage of indebted residents (15 percent).

Out of the state’s 58 counties, only two others fell below the 20 percent marker according to UI (Placer County and San Mateo County). Both Napa and Sonoma counties clocked in at 23 percent while Contra Costa County was slightly higher at 25 percent.