Last update: Oct 2026

Cost of Living Comparison Between Chatham and Derby

For one person, living is cheaper in Derby: $2,222 a month against $2,947 in Chatham, rent and utilities included – about $8,700 less a year. Higher rent and utilities in Chatham outweigh lower spending on other living expenses.

144

Cost of Living Index in Chatham
Learn more

Chatham Living Index
107

Cost of Living Index in Derby
Learn more

Derby Living Index

Jump to prices

Chatham

🇬🇧 United Kingdom

$2,947

/mo nomad

Derby

🇬🇧 United Kingdom

$2,222

/mo nomad

Monthly Cost of Living

How much you'll spend in Chatham and in Derby

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Chatham and in Derby actually costs, broken down by who's living it.

A single person spends $2,947 per month in Chatham vs $2,222 in Derby, rent included.

Chatham $2,947
Derby $2,222

A couple spends around $4,017 per month in Chatham vs $3,420 in Derby, rent included.

Chatham $4,017
Derby $3,420

A family of three spends $5,088 per month in Chatham vs $4,618 in Derby, rent included.

Chatham $5,088
Derby $4,618

Chatham costs about 33% more than Derby, and outside of rent the biggest gap is in eating out.

Both Chatham and Derby sit above the global median – Chatham by 118%, Derby by 64%.

Meal at Budget Restaurant

$13.40 £10.05

$26.87 £20.16

-50.13%

Three-Course Dinner for Two, Mid-Range

$94.9 £71.2

$95.0 £71.2

-0.07%

Fast Food Meal (McDonalds, etc)

$9.85 £7.39

$10.68 £8.01

-7.77%

Cappuccino

$3.75 £2.82

$4.87 £3.65

-23.00%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.95 £2.21

$2.51 £1.88

17.53%

Water (0.33 liter bottle)

$1.68 £1.26

$2.02 £1.52

-16.83%

Local Beer (0.5 liter draught)

$6.38 £4.78

$6.72 £5.04

-5.06%

Imported Beer (0.33 liter bottle)

$6.83 £5.12

$7.02 £5.26

-2.71%

Milk (1 liter)

$1.90 £1.43

$1.56 £1.17

21.79%

White Bread (500g)

$2.10 £1.57

$1.44 £1.08

45.83%

Rice (white) (1kg)

$2.10 £1.58

$2.33 £1.75

-9.87%

Eggs

$4.09 £3.07

$3.79 £2.84

7.92%

Local Cheese (1kg)

$10.74 £8.06

$8.35 £6.26

28.62%

Chicken Fillets (1kg)

$9.29 £6.97

$8.63 £6.47

7.65%

Beef Round Steak (1kg)

$15.54 £11.66

$23.80 £17.85

-34.71%

Apples (1kg)

$3.10 £2.33

$5.22 £3.92

-40.61%

Banana (1kg)

$1.92 £1.44

$2.80 £2.10

-31.43%

Oranges (1kg)

$2.71 £2.03

$2.98 £2.24

-9.06%

Tomato (1kg)

$3.67 £2.75

$3.80 £2.85

-3.42%

Potato (1kg)

$2.01 £1.51

$1.54 £1.16

30.52%

Onion (1kg)

$1.82 £1.37

$1.59 £1.19

14.47%

Lettuce (1 head)

$1.15 £0.86

$1.06 £0.79

8.49%

Water (1.5 liter bottle)

$1.71 £1.28

$1.40 £1.05

22.14%

Cigarettes 20 Pack (Marlboro, Camel)

$21.64 £16.24

$23.20 £17.41

-6.72%

Wine (Bottle)

$10.94 £8.21

$10.79 £8.09

1.39%

Local Beer (0.5 liter bottle)

$3.06 £2.29

$3.27 £2.45

-6.42%

Imported Beer (0.33 liter bottle)

$2.37 £1.78

$3.57 £2.68

-33.61%

One-way Ticket (Public Transport)

$4.04 £3.03

$3.05 £2.29

32.46%

Public Transport Monthly Pass (Regular Price)

$114 £85.6

$93.4 £70.1

22.08%

Taxi Start (Normal Tariff)

$5.10 £3.83

$4.43 £3.33

15.12%

Taxi (Normal Tariff) (1km)

$2.58 £1.94

$1.64 £1.23

57.32%

Taxi 1hour Waiting (Normal Tariff)

$20.18 £15.14

$31.46 £23.60

-35.86%

Gasoline (1 liter)

$2.09 £1.56

$2.00 £1.50

4.50%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$38.9K £29.2K

$38.6K £28.9K

0.88%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$37.1K £27.8K

$39.7K £29.8K

-6.59%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$287 £215

$371 £278

-22.66%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$16.80 £12.61

$19.57 £14.68

-14.15%

Internet (50+ Mbps, Unlimited Data)

$26.54 £19.91

$39.53 £29.66

-32.86%

Gym Membership (Monthly)

$114 £85.8

$45.20 £33.91

152.96%

Tennis Court (1 Hour on Weekend)

$9.37 £7.03

$26.26 £19.70

-64.32%

Cinema Ticket

$17.40 £13.05

$15.53 £11.65

12.04%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$2,080 £1,561

$1,815 £1,362

14.58%

International Primary School, 1 Child (Yearly)

$30.4K £22.8K

$20.5K £15.4K

48.23%

Jeans (Levis 501 Or Similar)

$91.6 £68.7

$114 £85.3

-19.51%

Summer Dress (H&M, Zara, etc)

$45.69 £34.28

$57.2 £42.94

-20.18%

Sport Shoes (Adidas, Nike)

$105 £78.4

$86.6 £65.0

20.69%

Men's Leather Business Shoes

$91.5 £68.6

$101 £75.6

-9.22%

1-bedroom Apartment, City Center (Monthly)

$2,050 £1,538

$794 £595

158.39%

1-bedroom Apartment, Outside City Center (Monthly)

$1,601 £1,201

$723 £543

121.34%

3-bedroom Apartment, City Center (Monthly)

$2,430 £1,823

$1,596 £1,197

52.25%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 £1,568

$1,351 £1,014

54.69%

Buy Apartment in City Center (m2)

$7,877 £5,909

$5,857 £4,394

34.49%

Buy Apartment Outside City Center (m2)

$7,449 £5,588

$3,136 £2,353

137.49%

Average Monthly Net Salary (After Tax)

$2,972 £2,230

$3,597 £2,699

-17.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.12

4.88

4.92%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Chatham: October 20, 2026

Last update for Derby: October 17, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Chatham

$1.6K 54.3%

Derby

$723 32.6% 54.8% $878

Monthly Utilities & Internet

Chatham

$330 11.2%

Derby

$430 19.4% 30.2% $100

Groceries & Markets

Chatham

$323 11%

Derby

$342 15.4% 5.8% $19

Eating Out

Chatham

$246 8.3%

Derby

$371 16.7% 51% $125

Clothing & Footwear

Chatham

$150 5.1%

Derby

$161 7.3% 7.5% $11

Sport & Entertainment

Chatham

$149 5.1%

Derby

$76 3.4% 48.9% $73

Getting Around

Chatham

$148 5%

Derby

$118 5.3% 20.2% $30

Cost Breakdown

A central one-bedroom costs $2,050 in Chatham versus $794 in Derby. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 21% higher in Derby, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $95.0 in Chatham versus $95.0 in Derby. Monthly groceries follow the same trend: $323 vs $342 – making Chatham the more affordable choice for daily food spending.

Good to know

🇬🇧 Chatham

🇬🇧 Derby

🕒 Local time

15:29 3:29 PM

Same time as Chatham

🌤 Weather

👥 Population

76,792

233,700

💱 Currency

British Pound GBP £

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Chatham Derby 220 km

From you

Chatham
Derby

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Chatham vs Derby: Cost of Living - Frequently Asked Questions

Chatham costs about 33% more than Derby, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,421 per month in Chatham and $3,333 in Derby. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Derby, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,947 in Chatham and $2,222 in Derby. That's a gap of about 33%.

Public transport costs about 22% less in Derby. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,000 monthly budget goes further in Derby, where all-in costs run around $2,222, than in Chatham at $2,947. In Derby it covers expenses comfortably, while in Chatham it requires careful planning or may not stretch far enough.

Families tend to lean toward Derby – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Derby. If higher salaries, better infrastructure, or specific career opportunities are the priority, Chatham makes more sense. Both are solid long-term options with distinct trade-offs.