Last update: Oct 2026

Cost of Living Comparison Between Derby and Chatham

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.

107

Cost of Living Index in Derby
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Derby Living Index
144

Cost of Living Index in Chatham
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Chatham Living Index

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Derby

🇬🇧 United Kingdom

$2,222

/mo nomad

Chatham

🇬🇧 United Kingdom

$2,947

/mo nomad

Monthly Cost of Living

How much you'll spend in Derby and in Chatham

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

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

Derby $2,222
Chatham $2,947

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

Derby $3,420
Chatham $4,017

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

Derby $4,618
Chatham $5,088

Derby is about 25% cheaper than Chatham, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$26.87 £20.16

$13.40 £10.05

100.52%

Three-Course Dinner for Two, Mid-Range

$95.0 £71.2

$94.9 £71.2

0.07%

Fast Food Meal (McDonalds, etc)

$10.68 £8.01

$9.85 £7.39

8.43%

Cappuccino

$4.87 £3.65

$3.75 £2.82

29.87%

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

$2.51 £1.88

$2.95 £2.21

-14.92%

Water (0.33 liter bottle)

$2.02 £1.52

$1.68 £1.26

20.24%

Local Beer (0.5 liter draught)

$6.72 £5.04

$6.38 £4.78

5.33%

Imported Beer (0.33 liter bottle)

$7.02 £5.26

$6.83 £5.12

2.78%

Milk (1 liter)

$1.56 £1.17

$1.90 £1.43

-17.89%

White Bread (500g)

$1.44 £1.08

$2.10 £1.57

-31.43%

Rice (white) (1kg)

$2.33 £1.75

$2.10 £1.58

10.95%

Eggs

$3.79 £2.84

$4.09 £3.07

-7.33%

Local Cheese (1kg)

$8.35 £6.26

$10.74 £8.06

-22.25%

Chicken Fillets (1kg)

$8.63 £6.47

$9.29 £6.97

-7.10%

Beef Round Steak (1kg)

$23.80 £17.85

$15.54 £11.66

53.15%

Apples (1kg)

$5.22 £3.92

$3.10 £2.33

68.39%

Banana (1kg)

$2.80 £2.10

$1.92 £1.44

45.83%

Oranges (1kg)

$2.98 £2.24

$2.71 £2.03

9.96%

Tomato (1kg)

$3.80 £2.85

$3.67 £2.75

3.54%

Potato (1kg)

$1.54 £1.16

$2.01 £1.51

-23.38%

Onion (1kg)

$1.59 £1.19

$1.82 £1.37

-12.64%

Lettuce (1 head)

$1.06 £0.79

$1.15 £0.86

-7.83%

Water (1.5 liter bottle)

$1.40 £1.05

$1.71 £1.28

-18.13%

Cigarettes 20 Pack (Marlboro, Camel)

$23.20 £17.41

$21.64 £16.24

7.21%

Wine (Bottle)

$10.79 £8.09

$10.94 £8.21

-1.37%

Local Beer (0.5 liter bottle)

$3.27 £2.45

$3.06 £2.29

6.86%

Imported Beer (0.33 liter bottle)

$3.57 £2.68

$2.37 £1.78

50.63%

One-way Ticket (Public Transport)

$3.05 £2.29

$4.04 £3.03

-24.50%

Public Transport Monthly Pass (Regular Price)

$93.4 £70.1

$114 £85.6

-18.09%

Taxi Start (Normal Tariff)

$4.43 £3.33

$5.10 £3.83

-13.14%

Taxi (Normal Tariff) (1km)

$1.64 £1.23

$2.58 £1.94

-36.43%

Taxi 1hour Waiting (Normal Tariff)

$31.46 £23.60

$20.18 £15.14

55.90%

Gasoline (1 liter)

$2.00 £1.50

$2.09 £1.56

-4.31%

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

$38.6K £28.9K

$38.9K £29.2K

-0.87%

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

$39.7K £29.8K

$37.1K £27.8K

7.06%

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

$371 £278

$287 £215

29.30%

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

$19.57 £14.68

$16.80 £12.61

16.49%

Internet (50+ Mbps, Unlimited Data)

$39.53 £29.66

$26.54 £19.91

48.94%

Gym Membership (Monthly)

$45.20 £33.91

$114 £85.8

-60.47%

Tennis Court (1 Hour on Weekend)

$26.26 £19.70

$9.37 £7.03

180.26%

Cinema Ticket

$15.53 £11.65

$17.40 £13.05

-10.75%

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

$1,815 £1,362

$2,080 £1,561

-12.72%

International Primary School, 1 Child (Yearly)

$20.5K £15.4K

$30.4K £22.8K

-32.54%

Jeans (Levis 501 Or Similar)

$114 £85.3

$91.6 £68.7

24.24%

Summer Dress (H&M, Zara, etc)

$57.2 £42.94

$45.69 £34.28

25.28%

Sport Shoes (Adidas, Nike)

$86.6 £65.0

$105 £78.4

-17.14%

Men's Leather Business Shoes

$101 £75.6

$91.5 £68.6

10.16%

1-bedroom Apartment, City Center (Monthly)

$794 £595

$2,050 £1,538

-61.30%

1-bedroom Apartment, Outside City Center (Monthly)

$723 £543

$1,601 £1,201

-54.82%

3-bedroom Apartment, City Center (Monthly)

$1,596 £1,197

$2,430 £1,823

-34.32%

3-bedroom Apartment, Outside City Center (Monthly)

$1,351 £1,014

$2,090 £1,568

-35.36%

Buy Apartment in City Center (m2)

$5,857 £4,394

$7,877 £5,909

-25.64%

Buy Apartment Outside City Center (m2)

$3,136 £2,353

$7,449 £5,588

-57.89%

Average Monthly Net Salary (After Tax)

$3,597 £2,699

$2,972 £2,230

21.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.88

5.12

-4.69%

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

Last update for Derby: October 17, 2026

Last update for Chatham: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Derby

$723 32.6%

Chatham

$1.6K 54.3% 121% $878

Monthly Utilities & Internet

Derby

$430 19.4%

Chatham

$330 11.2% 23.2% $100

Eating Out

Derby

$371 16.7%

Chatham

$246 8.3% 33.8% $125

Groceries & Markets

Derby

$342 15.4%

Chatham

$323 11% 5.5% $19

Clothing & Footwear

Derby

$161 7.3%

Chatham

$150 5.1% 7% $11

Getting Around

Derby

$118 5.3%

Chatham

$148 5% 25.3% $30

Sport & Entertainment

Derby

$76 3.4%

Chatham

$149 5.1% 95.5% $73

Cost Breakdown

A central one-bedroom costs $794 in Derby versus $2,050 in Chatham. 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 Derby versus $95.0 in Chatham. Groceries tell a different story – $342 in Derby vs $323 in Chatham – so Chatham wins on supermarket bills even if dining out costs more.

Good to know

🇬🇧 Derby

🇬🇧 Chatham

🕒 Local time

22:48 10:48 PM

Same time as Derby

🌤 Weather

👥 Population

233,700

76,792

💱 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

Derby Chatham 220 km

From you

Derby
Chatham

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

Derby vs Chatham: 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 $3,333 per month in Derby and $4,421 in Chatham. 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 $2,222 in Derby and $2,947 in Chatham. 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.