A new report by CreditCards.com reveals which states have the highest and lowest credit card debt burdens and where consumers may find it easier or more difficult to pay off that debt based on their earnings.

The report, released Tuesday, found that Mississippi ranked as the state where consumers have the highest average credit card debt burden relative to their income, whereas residents of Massachusetts had the lowest.

Those findings were based on an analysis by CreditCards.com of average credit card balances, average annual household income, months to pay off credit card balances, and total interest paid by households in various states.

"In comparing average credit card balances with average household incomes, this study seeks to determine where credit card debt is more and less difficult to pay off," said CreditCards.com Senior Industry Analyst Ted Rossman. "Mississippi, for example, has the sixth-lowest average credit card balance, which sounds pretty good. But it has the lowest average household income of any state. Comparatively speaking, that makes credit card debt much harder to pay off in the Magnolia State."

"This contrasts with Washington, D.C., for example, where the average resident has about $1,500 more in credit card debt but an average household income that’s more than $70,000 higher," Rossman added.

In terms of the states with the heaviest credit card debt burdens relative to income, Mississippi ranked highest with an average balance of $4,972, an average annual household income of $68,048 and a 22-month payoff period.

Two other southern states and two from the mountain west ranked behind Mississippi:

Massachusetts fared the best in the CreditCards.com report, coming in with an average credit card balance of $5,633, compared to an average annual household income of $124,789 – which amounted to a 13-month payoff period based on the report’s assumption of 5% of monthly gross income being allocated to credit card debt.

Washington, D.C., also had a 13-month payoff period based on an average credit card balance of $6,519, compared to an average household income of $138,856 per year. Though it is a district and not a state, it ranked second when included with the 50 states.

The three states that rounded out the top five areas with the lowest credit card burdens relative to income each had a 14-month payoff period and ranked as follows:

The report comes after the Federal Reserve Bank of New York’s Quarterly Report on Household Debt and Credit released in May found that Americans’ aggregate credit card debt remained around an all-time high of $986 billion.