What is the cost of living in Derby, CT?
According to the most recent data on the cost of living, Derby has an overall cost of living index of 111, which is 1.1x higher than the national index of 100.
Compared to Connecticut, Derby has a cost of living index that's 1.0x lower than Connecticut's index of 116.
The standard of living in Derby ranks as #21 most affordable out of the 55 places we measured in Connecticut. By definition, that implies Derby ranks as the #34 most expensive place in the Constitution State.
For more reading on life in Derby, check out:
Derby Cost Of Living Vs. Connecticut
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 102.
The Groceries index in Derby is 108.
The Health index in Derby is 111.
The Housing index in Derby is 110.
The Transportation index in Derby is 109.
The Utilities index in Derby is 108.
| Living Expense | Derby | Connecticut | National Average |
|---|---|---|---|
| Overall | 111 | 116 | 100 |
| Services | 102 | 107 | 100 |
| Groceries | 108 | 111 | 100 |
| Health | 111 | 137 | 100 |
| Housing | 110 | 108 | 100 |
| Transportation | 109 | 110 | 100 |
| Utilities | 108 | 111 | 100 |
Derby Cost Of Living Compared To Connecticut Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Connecticut, check out:
- Most Expensive Cities In Connecticut
- Most Affordable Cities In Connecticut
- Average Rent In Connecticut
Source: Cost-of-living index 2026, normalized to US average = 100
Derby, CT Housing Cost Breakdown
Housing swings affordability the most between places in Connecticut, 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 $336,764.
The Median Rent in Derby is $1,452.
The Median Income in Derby is $79,500.
The Home Value To Income in Derby is 4.2x.
The Rent To Monthly Income in Derby is 0.22x.
| Statistic | Derby | Connecticut | United States |
|---|---|---|---|
| Median Home Value | $336,764 | $436,407 | $332,700 |
| Median Rent | $1,452 | $1,488 | $1,413 |
| Median Income | $79,500 | $95,781 | $80,734 |
| Home Value To Income | 4.2x | 4.6x | 4.1x |
| Rent To Monthly Income | 0.22x | 0.19x | 0.21x |
Derby, CT Costs By Category
Detailed Derby Services costs vs. Connecticut
| Item | Derby | Connecticut |
|---|---|---|
| Shampoo | $1.47 | $1.28 |
| Movie | $15.07 | $12.13 |
| Bowling | $24.0 | $18 |
| Haircut | $39.78 | $24.26 |
| Beauty Salon | $69.0 | $45.56 |
Detailed Derby Groceries costs vs. Connecticut
| Item | Derby | Connecticut |
|---|---|---|
| Ground Beef | $6.28 | $5.84 |
| Fried Chicken | $1.59 | $1.57 |
| Milk | $4.83 | $4.67 |
| Potatoes | $5.03 | $4.93 |
| Pizza | $13.21 | $12.09 |
| Beer | $10.53 | $10.41 |
| Toothpaste | $3.86 | $3.7 |
Detailed Derby Health costs vs. Connecticut
| Item | Derby | Connecticut |
|---|---|---|
| Optometrist | $134.7 | $125.68 |
| Doctor | $162.26 | $135.78 |
| Dentist | $136.03 | $113.29 |
Detailed Derby Transportation costs vs. Connecticut
| Item | Derby | Connecticut |
|---|---|---|
| Gasoline | $3.47 | $3.46 |
| Tire Balancing | $63.33 | $59.92 |
Detailed Derby Utilities costs vs. Connecticut
| Item | Derby | Connecticut |
|---|---|---|
| All Electricity | $296.64 | $193.99 |
| Phone | $185.16 | $192.25 |
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:
Bridgeport, CT has a cost of living index of 111, 1.0x Derby.
New Haven, CT has a cost of living index of 114, 1.0x Derby.
West Haven, CT has a cost of living index of 111, 1.0x Derby.
| City | Population | Cost Of Living | Vs. Derby |
|---|---|---|---|
| Bridgeport, CT | 149,153 | 111 | 1.0x |
| New Haven, CT | 134,349 | 114 | 1.0x |
| West Haven, CT | 55,351 | 111 | 1.0x |
| Shelton, CT | 41,889 | 129 | 1.2x |
| North Haven, CT | 24,336 | 123 | 1.1x |
| Ansonia, CT | 19,033 | 109 | 1.0x |
| Orange, CT | 14,315 | 137 | 1.2x |
| Bethel, CT | 11,404 | 125 | 1.1x |
| Oakville, CT | 9,276 | 113 | 1.0x |
