| Index | Derby | Kansas | National |
| Cost of living | 96 | 90 | 100 |
| Groceries | 99 | 97 | 100 |
| Health care | 94 | 96 | 100 |
| Housing | 96 | 77 | 100 |
| Transportation | 97 | 96 | 100 |
| Utilities | 94 | 95 | 100 |
| Lifestyle & Entertainment | 92 | 94 | 100 |
| Household Items | 99 | 97 | 100 |
| Education & Childcare | 94 | 93 | 100 |
Knowing the cost of living in Derby allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Derby stands at 96, marking it 4% lower than the national average.
Everyday expenditures like food, housing, lifestyle expenses, transportation and health care in Derby are priced in a manner consistent with other areas. This means that residents of Derby can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.
Is Derby an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Derby is 6.7% lower than the national average, while the average monthly rent prices are 2.4% higher than average. The affordability of any location can also be influenced by median income levels. Derby has a median household income of $113,156, which is 39.1% higher than the national average.
Groceries: Grocery expenditures have undergone notable escalation over the last 2-3 years. In some markets, the cost of food products has surged by more than 20%, while others have experienced only modest increments. These fluctuations in food costs can have a significant impact on the overall cost of living in any region. In Derby, the groceries index registers 0.6% lower than the national average.
Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Derby, the housing index stands at 4% lower than the national average.
Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.
The Derby cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $131,395 | $10,950 | $3,066 | $3,942 |
| Renters | $78,036 | $6,503 | $1,821 | $2,341 |
| State | General Sales Tax | With Max Surtax |
| Kansas | 6.5% | 11.5% |
| State | Income Tax (Low) | Income Tax (High) |
| Kansas | 3.1% | 4.7% |
| City | Population | Cost of Living Index | National Avg. |
| Oaklawn-Sunview, KS | 3,476 | 80 | 20.4% |
| Udall, KS | 771 | 83 | 17.0% |
| Belle Plaine, KS | 1,505 | 84 | 16.3% |
| Douglass, KS | 1,833 | 84 | 16.2% |
| Haysville, KS | 11,544 | 88 | 11.6% |
| Derby, KS | 25,251 | 96 | 3.9% |
| City | Population | Cost of Living Index | National Avg. |
| Selma, CA | 25,254 | 115 | 15.2% |
| West Memphis, AR | 25,245 | 87 | 13.4% |
| Collingwood, ON | 25,244 | n/a | |
| Homer Glen, IL | 25,242 | 120 | 19.8% |
| Avon Lake, OH | 25,262 | 109 | 8.8% |
| Derby, KS | 25,251 | 96 | 3.9% |
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