Cost of Living in Derby, VT
Population 4,538 · Vermont · Data vintage 2023
(100 = US avg)
Housing costs in Derby stay well under national norms: a median home value of $220,000 against median household incomes of $73,605 gives the city one of the more comfortable price-to-income ratios in Vermont. Unemployment has stayed elevated relative to the national figure — 6.9% as of the most recent ACS release — which shows up in household-income and poverty figures as well.
Geographically, Derby lies roughly 140 miles north of the nearest major metro, Manchester. Median home values run roughly 35% lower than Manchester's $336,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Derby
The median home value in Derby is $220,200 — 28% below the national median of $305,000. Median rent runs $1,107/month, 16% lower than the national median of $1,314/month. The median household income of $73,605/year is 1% lower than the US median of $74,580. The local unemployment rate is 6.9%, above the national average of 4.8%. Vermont's top state income tax rate is 8.8% and the combined sales tax is 6.2%. The climate averages highs of 53.8°F and lows of 31.2°F. Overall, Derby has a cost of living index of 77 versus the US average of 100, meaning it is 23% less expensive.
Derby has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 26 | 30 | 39 | 53 | 66 | 74 | 79 | 77 | 70 | 56 | 43 | 32 |
| Low °F | 5 | 6 | 17 | 29 | 40 | 50 | 55 | 53 | 45 | 35 | 25 | 14 |
| Precip" | 2.24 | 1.53 | 1.95 | 2.80 | 3.49 | 3.76 | 4.21 | 3.50 | 3.15 | 3.62 | 2.75 | 2.50 |
Frequently Asked Questions
What is the cost of living in Derby, VT?
Derby has a cost index of 77 (100 = national average). It is 23% below the national average.
What is average rent in Derby, VT?
The median gross rent in Derby is $1,107 per month based on 2023 Census data.
What is the average home price in Derby?
The median home value in Derby is $220,200 according to 2023 Census ACS data.
What is the median income in Derby?
The median household income in Derby is $73,605 per year (2023 ACS 5-year estimates).
What is the sales tax in Derby, VT?
The combined state and local sales tax rate in Derby is 6.2%. The Vermont state income tax top rate is 8.8%.
Is Derby, VT affordable?
Yes, Derby is generally considered affordable, with a cost of living index of 77 — about 23% below the US national average of 100.
What is the weather like in Derby?
Derby has average high temperatures of 53.8°F and average lows of 31.2°F. Annual precipitation is 35.5". Data from NOAA 1991–2020 Climate Normals.
Derby at a Glance
- Population
- 4,538
- Median Income
- $73,605
- Home Value
- $220,200
- Median Rent
- $1,107/mo
- Unemployment
- 6.9%
- Avg High Temp
- 53.8°F
- Sales Tax
- 6.2%
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Vermont Rankings
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