The Average Credit Score in Your 30s and 40s

Based on recent data that specifically looks at people in their 30s and 40s, you can think about “average” in two common ways: by generation and by decade of age.

1. By generation (most current, FICO-focused figures)

   • Millennials (roughly ages 28–43 in 2026): average FICO score about 691.

   • Gen X (roughly ages 44–59 in 2026): average FICO score about 709.

   Since most people in their 30s fall into late Gen Y/Millennial and those in their 40s fall into Millennial/Gen X, a practical takeaway is:

   • Typical range in your 30s: around high 680s to low 690s on average.

   • Typical range in your 40s: around low 700s on average.

2. By decade of age (various lender/education sources, FICO-based)
   Different providers publish slightly different estimates, but they cluster tightly:

   Age band	Example reported averages*
   30–39	~688–691 FICO
   40–49	~690–704 FICO

   *Ranges shown reflect multiple sources rather than a single survey. 

3. How to interpret this

   • Scores in the high 600s to low 700s are usually considered “good” under FICO models (roughly 670–739).

   • In your 30s and 40s, many people have established histories (credit cards, auto loans, sometimes mortgages), so scores tend to stabilize or peak compared with your 20s, but still often rise a bit more into your 50s.