Cost Of Living in Derby, OH

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14%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

39%

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	Ohio	National
Cost of living	86	89	100
Groceries	96	97	100
Health care	98	96	100
Housing	61	74	100
Transportation	97	96	100
Utilities	95	96	100
Lifestyle & Entertainment	95	95	100
Household Items	100	97	100
Education & Childcare	90	93	100

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Homes For Sale In Derby, OH

12281 London Rd

Orient, OH

Cost Of Living Quick Facts

The cost of living in Derby is 4% lower than the Ohio average
The cost of living in Derby is 14% lower than the national average
Derby housing is 39% lower than the national average
Ohio general sales tax is 13% higher than the national average
Ohio state income tax is 6% 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	$65,682	$5,474	$1,532	$1,971
Renters	$35,640	$2,970	$832	$1,069

Ohio Sales Tax

State	General Sales Tax	With Max Surtax
Ohio	5.75%	8%

Ohio Income Tax

State	Income Tax (Low)	Income Tax (High)
Ohio	2.76%	3.99%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Pancoastburg, OH	45	96	3.8%
Orient, OH	136	96	3.8%
Bloomingburg, OH	985	84	16.0%
Lockbourne, OH	165	84	15.8%
New Holland, OH	848	85	15.5%
Derby, OH	563	86	14.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Kachemak, AK	563	129	29.5%
Grannis, AR	563	79	20.6%
Graeagle, CA	563	119	19.3%
Helen, GA	563	112	11.9%
Camargo, IL	563	88	12.1%
Derby, OH	563	86	14.3%