Explore Derby, KS
Cost of Living in Derby, KS (2026) – Salary Needed & Budget Calculator
Thinking about moving to Derby? Use this 2026 Derby cost of living calculator to estimate rent, groceries, utilities, transportation, healthcare and taxes.
Monthly Budget Breakdown
Your salary provides a comfortable buffer for life in Derby. You can save and enjoy leisure activities.
| Category | Monthly Cost |
|---|---|
| Rent (Single) | $1,250.00 |
| Utilities | $265.00 |
| Groceries | $450.00 |
| Transportation (Public) | $350.00 |
| Healthcare | $400.00 |
| Miscellaneous (10.0%) | $196.50 |
| Total Estimated Costs | $2,911.50 |
Tax & Benefits Breakdown
Quality of Life & Environment
Local Climate
Enjoy 232 days of sunshine per year. Summer highs avg 87°F, while winter lows dip to 22°F.
Safety & Crime Rate
Derby ranks as a moderate safety zone compared to national averages for similar-sized metros.
Environmental Index
Air quality and environmental health factors in Kansas remain a key priority for 2026.
Planning your move to or from Derby?
Derby, KS: The Aerospace Heartland (2026 Relocation Guide)
Derby enters 2026 as the premiere residential choice for the Wichita aerospace corridor. Just minutes from McConnell Air Force Base, it is a city defined by its 'Air Capital' roots, elite school system, and a level of fiscal stability that is rare in the Great Plains. It is the ultimate family-first anchor of Southern Kansas.
📊 Real Monthly Cost: The Relocation Analyst's Estimate
Derby offers a high-service lifestyle at heartland prices. A single adult can live well on $2,350 per month, while a family of four spends approximately $5,100. Kansas's 5.7% income tax and 1.6% property tax are the primary financial hurdles, but these are offset by food and utility costs that are 25% and 20% below the national average respectively.
🏠 Housing Reality: The Suburban Value King
The 2026 housing market is remarkably stable. Typical home values sit at $215,000, offering immense square footage for the price. New builds in the northern corridor are the primary draw for aerospace executives, while well-maintained mid-century neighborhoods provide an accessible entry point for military families. Rental inventory is modern and competitive, with 2-bedrooms averaging $1,350.
⚠️ Hidden Trade-Offs: The Wichita Hook
The primary trade-off is the lack of local urban depth. Derby is a dedicated suburb; for major cultural events, high-end shopping, or professional nightlife, you are committed to the 20-minute drive into Wichita. Additionally, the economy is highly sensitive to the aerospace and defense sectors; if Boeing or Spirit Aerosystems fluctuates, the local vibe follows.
🏆 Final Relocation Verdict
Move here if: You are an aerospace professional, service member, or family seeking the best public schools and stable housing value in the Midwest.
Avoid this city if: You crave urban density, walkability, or a diversified non-manufacturing economy.
Salary Needed to Live Comfortably
In our estimation, to live a comfortable life in Derby with a buffer for savings and hobbies, you would need a gross annual salary of approximately:
This assumes you want to save at least $1,000 per month after all expenses and taxes.
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Calculator Disclaimer
The results provided by this calculator are estimates based on publicly available data and modeling assumptions. Actual living costs, taxes, and relocation expenses may vary depending on personal circumstances, market conditions, and local regulations. This tool is intended for informational purposes only and should not be considered financial, tax, or legal advice. Always consult a qualified professional before making financial or relocation decisions.