Derby, CO Cost Of Living

Demographics | Cost Of Living
Updated: 2025-10-24

Cost Of Living In Derby, CO Summary

Cost of living in Derby research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Derby is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in Colorado, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

  • The cost of living index in Derby is 107, with 100 being the average.

  • The cost of living index in Derby is 1.1x higher than the national average.

  • Derby ranks as the #18 cheapest in Colorado out of 113.

  • Derby ranks as the #3,374 cheapest out of 6,489 in the US.

  • The median home value in Derby is $371,329.

  • The median income in Derby is $78,696.

Table Of Contents

  1. Summary
  2. National Comparison
  3. Housing Breakdown
  4. Detailed Pricing
  5. Nearby Comparisons
107
Derby's Overall Cost Of Living
1.1x
Higher Than The National Average

What is the cost of living in Derby, CO?

According to the most recent data on the cost of living, Derby has an overall cost of living index of 107, which is 1.1x higher than the national index of 100.

Compared to Colorado, Derby has a cost of living index that's 1.0x lower than Colorado's index of 111.

The standard of living in Derby ranks as #18 most affordable out of the 113 places we measured in Colorado. By definition, that implies Derby ranks as the #95 most expensive place in the Centennial State.

For more reading on life in Derby, check out:

18 out of 113
In Colorado
3,374 out of 6,489
In America

Derby Cost Of Living Vs. Colorado

Six factors go into calculating the cost of living index in Derby. Here is how it fairs on each of the criteria:

  • The Services index in Derby is 105.

  • The Groceries index in Derby is 96.

  • The Health index in Derby is 90.

  • The Housing index in Derby is 118.

  • The Transportation index in Derby is 109.

  • The Utilities index in Derby is 89.

Living Expense Derby Colorado National Average
Overall 107 111 100
Services 105 102 100
Groceries 96 103 100
Health 90 101 100
Housing 118 134 100
Transportation 109 107 100
Utilities 89 89 100
For more reading on cost of living around Colorado, check out:
Derby Cost of Living Vs. CO

Derby, CO Housing Cost Breakdown

Housing swings affordability the most between places in Colorado, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2019-2023. The key points are:

  • The Median Home Value in Derby is $371,329.

  • The Median Rent in Derby is $1,721.

  • The Median Income in Derby is $78,696.

  • The Home Value To Income in Derby is 4.7x.

  • The Rent To Monthly Income in Derby is 0.26x.

Statistic Derby Colorado United States
Median Home Value $371,329 $540,183 $303,400
Median Rent $1,721 $1,693 $1,348
Median Income $78,696 $92,470 $78,538
Home Value To Income 4.7x 5.8x 3.9x
Rent To Monthly Income 0.26x 0.22x 0.21x
$371,329
Median Home Value
$1,721
Median Rent
$78,696
Median Income

Derby, CO Costs By Category

Detailed Derby Services Costs Vs. Colorado

Item Derby Colorado
Shampoo $1.19 $1.28
Movie $11.09 $12.13
Bowling $22.22 $18
Haircut $25.33 $24.26
Beauty Salon $45.45 $45.56

Detailed Derby Groceries Costs Vs. Colorado

Item Derby Colorado
Ground Beef $5.56 $5.84
Fried Chicken $1.43 $1.57
Milk $4.89 $4.67
Potatoes $4.62 $4.93
Pizza $11.06 $12.09
Beer $11.34 $10.41
Toothpaste $4.12 $3.7

Detailed Derby Health Costs Vs. Colorado

Item Derby Colorado
Optometrist $110.45 $125.68
Doctor $188.89 $135.78
Dentist $107.78 $113.29

Detailed Derby Transportation Costs Vs. Colorado

Item Derby Colorado
Gasoline $3.58 $3.46
Tire Balancing $73.58 $59.92

Detailed Derby Utilities Costs Vs. Colorado

Item Derby Colorado
All Electricity $161.0 $193.99
Phone $195.56 $192.25

Derby SnackAbility

6
/10
Overall SnackAbility
Jobs
8/10
Housing
8.5
Affordability
5
Diversity
8
Safety
N/A
Amenities
9
Education
3
Commute
6

Cost Of Living In Cities Around Derby

The cost of living varies in the cities and towns around Derby. Here's a quick look at the cost of living in the most populous nearby places:

  • Denver, CO has a cost of living index of 134, 1.3x Derby.

  • Aurora, CO has a cost of living index of 121, 1.1x Derby.

  • Thornton, CO has a cost of living index of 126, 1.2x Derby.

City Population Cost Of Living Vs. Derby
Denver, CO 713,734 134 1.3x
Aurora, CO 390,201 121 1.1x
Thornton, CO 142,878 126 1.2x
Northglenn, CO 37,953 120 1.1x
Englewood, CO 33,774 127 1.2x
Sherrelwood, CO 19,368 117 1.1x
Welby, CO 16,232 110 1.0x
Federal Heights, CO 14,160 93 0.9x
Berkley, CO 10,838 119 1.1x
Fort Lupton, CO 8,494 110 1.0x

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