One of America’s richest cities — Park City, Utah — also has one of the highest levels of credit card debt, according to a new study.

The median credit card debt for a Park City resident is $5,376, according to a study by the personal-finance website WalletHub. The site calculates it would take someone earning the median income in Park City 21 months and 5 days to pay off that much debt — the third-longest payoff period in the country.

Topping that list is Coleyville, Texas, between Dallas and Fort Worth. In second place is Darien, Conn., just east of New York City.

Of the 2,500 cities in the WalletHub study, Park City was in the 99th percentile in terms of length to pay off credit card debt.

The study calculates the payoff time by taking the median income in each city, then calculating 3 percent of each month’s paycheck set aside to pay off the debt and accumulated interest. Because the median income varies from city from city, a higher level of debt may take less time to pay off.

A recent study by the U.S. Bureau of Economic Analysis found that Summit County, where Park City is located, is one of only 12 counties in the United States with a per-capita income over $100,000.

Here are how much median debt is being carried in Utah cities, according to the study, and how long it would take a resident there to pay off that debt, listed from longest payoff period to shortest:

  • Park City • $5,376 • 21 months, 5 days.
  • South Jordan • $3,245 • 15 months, 20 days.
  • Herriman • $4,548 • 15 months, 4 days.
  • Lehi • $3,071 • 15 months, 1 day.
  • Riverton • $3,037 • 14 months, 14 days.
  • Layton • $2,750 • 14 months, 12 days.
  • Salt Lake City • $2,614 • 14 months, 12 days.
  • Spanish Fork • $2,526 • 14 months, 10 days.
  • Kaysville • $3,044 • 14 months, 2 days.
  • Sandy • $2,915 • 13 months, 26 days.
  • Draper • $3,484 • 13 months, 24 days.
  • St. George • $2,403 • 13 months, 23 days.
  • Murray • $2,484 • 13 months, 22 days.
  • Pleasant Grove • $2,390 • 13 months, 14 days.
  • West Jordan • $2,482 • 13 months, 13 days.
  • Orem • $2,203 • 13 months, 6 days.
  • American Fork • $2,654 • 13 months, 1 days.
  • Cedar City • $2,222 • 13 months, 1 day.
  • Bountiful • $2,605 • 12 months, 28 days.
  • Midvale • $1,928 • 12 months, 18 days.
  • Roy • $2,270 • 12 months, 14 days.
  • Taylorsville • $2,059 • 12 months, 14 days.
  • Tooele • $2,156 • 12 months, 11 days.
  • Ogden • $2,060 • 11 months, 30 days.
  • West Valley City • $1,942 • 11 months, 29 days.
  • Springville • $2,350 • 11 months, 21 days.
  • Magna • $1,942 • 11 months, 14 days.
  • Logan • $1,596 • 11 months, 11 days.
  • Provo • $1,554 • 10 months, 21 days.
  • Clearfield • $1,905 • 10 months, 19 days.
  • Vernal • $1,718 • 9 months, 23 days.