| Index | Derry | New Hampshire | National |
| Cost of living | 112 | 110 | 100 |
| Groceries | 101 | 103 | 100 |
| Health care | 105 | 104 | 100 |
| Housing | 132 | 125 | 100 |
| Transportation | 107 | 103 | 100 |
| Utilities | 106 | 106 | 100 |
| Lifestyle & Entertainment | 102 | 103 | 100 |
| Household Items | 102 | 102 | 100 |
| Education & Childcare | 103 | 105 | 100 |
Are you thinking about relocating, but curious about the potential cost of living in Derry? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Derry stands at 112, making it 12% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.
Housing costs are a very significant part of the Derry cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 32.2% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.
Is Derry an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Derry, the median home price is 35.8% higher than what most folks pay across the country, and monthly rent prices are 23.8% higher than the usual rates. Income levels in Derry come in at $103,081, which is 26.7% higher than the national average.
Subsidies: Some areas might offer government subsidies or assistance programs that help lower cost of living for residents. These programs can include anything from 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 crop subsidies. Areas that offer less subsidies, could see an increase in their cost of living.
Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In Derry, the utilities index stands at 6.2% higher than the national average.
Healthcare: The costs associated with healthcare and insurance premiums can exhibit notable disparities based on the city or state of residence. Access to healthcare facilities, out-of-pocket expenses for medical appointments, dental care charges, prescription medication costs and specialized medical care expenses all contribute to variations in the cost of living. In Derry, healthcare costs are 5.3% higher than the national average.
The cost of living estimates displayed for Derry are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $142,412 | $11,868 | $3,323 | $4,273 |
| Renters | $75,024 | $6,252 | $1,750 | $2,251 |
| State | General Sales Tax | With Max Surtax |
| New Hampshire | 0% | 0% |
| State | Income Tax (Low) | Income Tax (High) |
| New Hampshire | 4% | 4% |
| City | Population | Cost of Living Index | National Avg. |
| Pinardville, NH | 4,863 | 106 | 6.3% |
| East Merrimack, NH | 4,959 | 108 | 8.3% |
| Raymond, NH | 3,923 | 110 | 9.6% |
| Goffstown, NH | 2,930 | 110 | 10.2% |
| Hudson, NH | 7,386 | 111 | 11.2% |
| Derry, NH | 23,398 | 112 | 12.3% |
| City | Population | Cost of Living Index | National Avg. |
| Valinda, CA | 23,406 | 149 | 49.2% |
| Granite Bay, CA | 23,374 | 193 | 93.2% |
| Webster Groves, MO | 23,373 | 115 | 15.5% |
| Winchester, MA | 23,430 | 211 | 111.3% |
| Jasmine Estates, FL | 23,361 | 95 | 5.3% |
| Derry, NH | 23,398 | 112 | 12.3% |
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