Consumers taking delivery of financed vehicles in places like Texas appear to be spending more for their units than in places like California, according to the latest analysis from personal finance website WalletHub.

Contained in the first-quarter installment of its Auto Financing Report, WalletHub determined this year’s cities that overspend and spend the least on vehicles. Half of the overspend rundown included cities in Texas, while seven communities in California landed among the spend-the-least mentions.

To assemble its listings that stemmed primarily from bank-originated contracts, WalletHub applied the following assumptions:

—$20,000 in financing for new models and $10,000 in financing for used vehicles

—80 percent loan-to-value ratio

—An excellent credit score of at least 720

After plugging in those parameters, here what analysts found:

Cities that Overspend on Cars
Lake Placid, Fla.
San Juan, Texas
Rio Grande City, Texas
Magnolia, Texas
Dahlonega, Ga.
Donna, Texas
Kingsville, Texas
Bastrop, La.
Coachella, Calif.
Mercedes, Texas
Leesville, La.
Corsicana, Texas
Okeechobee, Fla.
Moultrie, Ga.
Brownsville, Texas
Pharr, Texas
San Benito, Texas
Cordele, Ga.
Brunswick, Ga.
Laredo, Texas

Cities that Spend the Least on Cars
Scarsdale, N.Y.
Bronxville, N.Y.
Los Altos, Calif.
Saratoga, Calif.
Mill Valley, Calif.
Cupertino, Calif.
Westport, Conn.
Darien, Conn.
Palo Alto, Calif.
Bloomfield Hills, Mich.
Birmingham, Mich.
Westfield, N.J.
McLean, Va.
Garden City, N.Y.
Summit, N.J.
Ridgewood, N.J.
Lafayette, Calif.
Manhattan Beach, Calif.
Lexington, Mass.
Oceanside, N.Y.