WASHINGTON, D.C. –

WalletHub recently released a report highlighting the top 20 cities where consumers took on the largest amount of financing to acquire a vehicle and where they also absorbed the least, generating extreme debt-to-income ratios.

In order to identify the cities with the highest and lowest vehicle finance debts, WalletHub’s analysts divided the average debt by residents’ income in each of 2,539 U.S. cities as of October based on TransUnion data. The site explained its sample considers only city proper in each case and excluded cities in the surrounding metro area.

Among cities that WalletHub determined to be over spenders, six were located in Texas. On the other end of the spectrum, six California cities were on the list for spending the least.

Here is the rundown:

Cities that overspend on cars

Ruston, La.
Williamsburg, Va.
Ellensburg, Wash.
Morgantown, W.Va.
College Station, Texas
Rio Grande City, Texas
Kingsville, Texas
Warrensburg, Mo.
Milledgeville, Ga.
Mercedes, Texas
Deming, N.M.
Stillwater, Okla.
Murray, Ky.
Newark, Del.
Bloomington, Ind.
Stephenville, Texas
San Marcos, Texas
San Luis, Ariz.
Delano, Calif.
Dahlonega, Ga.

Cities that spend the least on cars

Scarsdale, N.Y.
Cupertino, Calif.
Hoboken, N.J.
Saratoga, Calif.
Chevy Chase, Md.
Bronxville, N.Y.
Lexington, Mass.
Los Altos, Calif.
McLean, Va.
Manhattan Beach, Calif.
Palo Alto, Calif.
Foster City, Calif.
Ridgewood, N.J.
Westport, Conn.
Powell, Ohio
Winchester, Mass.
Westfield, N.J.
Garden City, N.Y.
Birmingham, Mich.
Plainview, N.Y.

More details and analysis can be found within WalletHub's complete report available here.