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 109, 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 114.
The standard of living in Derby ranks as #16 most affordable out of the 111 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:
Derby Cost Of Living Vs. Colorado
Six factors go into calculating the cost of living index in Derby. Here is how it fares on each of the criteria:
The Services index in Derby is 105.
The Groceries index in Derby is 106.
The Health index in Derby is 122.
The Housing index in Derby is 103.
The Transportation index in Derby is 110.
The Utilities index in Derby is 109.
| Living Expense | Derby | Colorado | National Average |
|---|---|---|---|
| Overall | 109 | 114 | 100 |
| Services | 105 | 104 | 100 |
| Groceries | 106 | 107 | 100 |
| Health | 122 | 135 | 100 |
| Housing | 103 | 104 | 100 |
| Transportation | 110 | 107 | 100 |
| Utilities | 109 | 107 | 100 |
Derby Cost Of Living Compared To Colorado Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Colorado, check out:
Protect your home budget Compare home warranties in Derby Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
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 2020-2024. The key points are:
The Median Home Value in Derby is $367,648.
The Median Rent in Derby is $1,689.
The Median Income in Derby is $82,138.
The Home Value To Income in Derby is 4.5x.
The Rent To Monthly Income in Derby is 0.25x.
Derby, CO Costs By Category
Detailed Derby Services costs vs. Colorado
Detailed Derby Groceries costs vs. Colorado
Detailed Derby Health costs vs. Colorado
Detailed Derby Transportation costs vs. Colorado
Derby SnackAbility
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 142, 1.3x Derby.
Aurora, CO has a cost of living index of 127, 1.2x Derby.
Thornton, CO has a cost of living index of 128, 1.2x Derby.
| City | Population | Cost Of Living | Vs. Derby |
|---|---|---|---|
| Denver, CO | 718,877 | 142 | 1.3x |
| Aurora, CO | 394,432 | 127 | 1.2x |
| Thornton, CO | 144,187 | 128 | 1.2x |
| Northglenn, CO | 38,014 | 126 | 1.2x |
| Englewood, CO | 34,129 | 130 | 1.2x |
| Sherrelwood, CO | 18,692 | 123 | 1.1x |
| Welby, CO | 16,197 | 116 | 1.1x |
| Federal Heights, CO | 14,125 | 94 | 0.9x |
| Berkley, CO | 10,789 | 125 | 1.1x |
| Fort Lupton, CO | 8,897 | 118 | 1.1x |
