Cost Of Living in Derby, CO

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B-

11%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

22%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Derby	Colorado	National
Cost of living	111	115	100
Groceries	105	104	100
Health care	107	107	100
Housing	122	136	100
Transportation	104	106	100
Utilities	108	108	100
Lifestyle & Entertainment	111	107	100
Household Items	103	105	100
Education & Childcare	106	111	100

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Homes For Sale In Derby, CO

6500 E 88th Ave

Henderson, CO

7041 Ash Ct

Commerce City, CO

8071 Jasmine St

DuPont, CO

8010 Jasmine St

DuPont, CO

Cost Of Living Quick Facts

The cost of living in Derby is 4% lower than the Colorado average
The cost of living in Derby is 11% higher than the national average
Derby housing is 22% higher than the national average
Colorado general sales tax is 43% lower than the national average
Colorado state income tax is 69% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$99,100	$8,258	$2,312	$2,973
Renters	$70,681	$5,890	$1,649	$2,121

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Derby, CO, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Derby, homeowners have a median income of $99,100. Using that number, a maximum of $2,312 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $70,681, which means there is a maximum of $1,649 to be spent on the costs of renting a home or apartment.

Colorado Sales Tax

State	General Sales Tax	With Max Surtax
Colorado	2.9%	10%

Colorado Income Tax

State	Income Tax (Low)	Income Tax (High)
Colorado	4.4%	4.4%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Leyner, CO	0	109	8.9%
Glendale CDP, CO	80	109	9.1%
Lakeside, CO	6	90	10.0%
Federal Heights, CO	14,024	95	5.1%
North Washington, CO	676	99	0.9%
Derby, CO	9,365	111	10.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Anaconda-Deer Lodge County, MT	9,366	91	8.7%
Springfield, FL	9,363	95	4.9%
Plymouth, MI	9,363	115	14.8%
Potsdam, NY	9,362	93	6.6%
Laurentian Valley, ON	9,362	n/a
Derby, CO	9,365	111	10.6%