Cost of Living Comparison Between Derby and Chatham Cost of Living Comparison Between Derby and Chatham

Monthly Cost of Living

A single person spends $2,184 per month in Derby vs $2,785 in Chatham, rent included.

A couple spends around $3,267 per month in Derby vs $3,957 in Chatham, rent included.

A family of three spends $4,351 per month in Derby vs $5,129 in Chatham, rent included.

Derby is about 22% cheaper than Chatham, driven mainly by Groceries & Markets.

Both Derby and Chatham sit above the global median – Derby by 63%, Chatham by 108%.

Meal at Budget Restaurant

$25.11 £18.69

$26.66 £19.85

-5.81%

Three-Course Dinner for Two, Mid-Range

$81.1 £60.4

$95.5 £71.1

-15.14%

Fast Food Meal (McDonalds, etc)

$10.80 £8.04

$9.79 £7.29

10.32%

Cappuccino

$5.11 £3.80

$3.44 £2.56

48.55%

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

$2.32 £1.73

$3.33 £2.48

-30.33%

Water (0.33 liter bottle)

$1.58 £1.17

$1.33 £0.99

18.80%

Local Beer (0.5 liter draught)

$6.20 £4.61

$6.66 £4.96

-6.91%

Imported Beer (0.33 liter bottle)

$5.39 £4.01

$6.94 £5.17

-22.33%

Milk (1 liter)

$1.48 £1.10

$1.40 £1.04

5.71%

White Bread (500g)

$1.42 £1.05

$1.31 £0.98

8.40%

Rice (white) (1kg)

$2.36 £1.76

$2.76 £2.06

-14.49%

Eggs

$3.99 £2.97

$3.70 £2.75

7.84%

Local Cheese (1kg)

$9.11 £6.78

$9.89 £7.37

-7.89%

Chicken Fillets (1kg)

$8.72 £6.49

$8.14 £6.06

7.13%

Beef Round Steak (1kg)

$12.99 £9.67

$13.07 £9.73

-0.61%

Apples (1kg)

$4.63 £3.45

$3.05 £2.27

51.80%

Banana (1kg)

$2.75 £2.04

$1.49 £1.11

84.56%

Oranges (1kg)

$2.93 £2.18

$2.92 £2.17

0.34%

Tomato (1kg)

$3.19 £2.38

$3.24 £2.41

-1.54%

Potato (1kg)

$0.94 £0.70

$1.48 £1.10

-36.49%

Onion (1kg)

$1.72 £1.28

$1.37 £1.02

25.55%

Lettuce (1 head)

$1.12 £0.83

$0.99 £0.74

13.13%

Water (1.5 liter bottle)

$1.42 £1.06

$1.56 £1.16

-8.97%

Cigarettes 20 Pack (Marlboro, Camel)

$18.66 £13.90

$14.99 £11.16

24.48%

Wine (Bottle)

$10.70 £7.96

$13.17 £9.80

-18.75%

Local Beer (0.5 liter bottle)

$2.71 £2.02

$2.31 £1.72

17.32%

Imported Beer (0.33 liter bottle)

$3.15 £2.35

$3.33 £2.48

-5.41%

One-way Ticket (Public Transport)

$2.75 £2.05

$2.77 £2.06

-0.72%

Public Transport Monthly Pass (Regular Price)

$92.3 £68.7

$87.6 £65.2

5.40%

Taxi Start (Normal Tariff)

$4.81 £3.58

$6.18 £4.60

-22.17%

Taxi (Normal Tariff) (1km)

$1.55 £1.15

$1.68 £1.25

-7.74%

Taxi 1hour Waiting (Normal Tariff)

$24.47 £18.22

$14.80 £11.02

65.34%

Gasoline (1 liter)

$1.91 £1.42

$1.87 £1.39

2.14%

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

$38.3K £28.6K

$38.9K £28.9K

-1.33%

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

$41.1K £30.6K

$41.8K £31.1K

-1.78%

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

$353 £263

$228 £170

54.89%

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

$15.58 £11.60

$18.96 £14.12

-17.83%

Internet (50+ Mbps, Unlimited Data)

$47.63 £35.46

$43.69 £32.52

9.02%

Gym Membership (Monthly)

$45.35 £33.77

$48.43 £36.05

-6.36%

Tennis Court (1 Hour on Weekend)

$24.85 £18.50

Cinema Ticket

$15.33 £11.42

$13.36 £9.95

14.75%

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

$1,878 £1,398

$1,273 £947

47.58%

International Primary School, 1 Child (Yearly)

$20.4K £15.2K

$25.3K £18.9K

-19.53%

Jeans (Levis 501 Or Similar)

$118 £87.8

$83.6 £62.3

40.95%

Summer Dress (H&M, Zara, etc)

$58.0 £43.15

$48.42 £36.05

19.70%

Sport Shoes (Adidas, Nike)

$81.4 £60.6

$110 £81.8

-25.92%

Men's Leather Business Shoes

$99.1 £73.8

$100 £74.6

-1.14%

1-bedroom Apartment, City Center (Monthly)

$774 £576

$1,629 £1,213

-52.48%

1-bedroom Apartment, Outside City Center (Monthly)

$760 £566

$1,574 £1,172

-51.74%

3-bedroom Apartment, City Center (Monthly)

$1,451 £1,080

$2,524 £1,879

-42.52%

3-bedroom Apartment, Outside City Center (Monthly)

$1,372 £1,021

$2,184 £1,626

-37.20%

Buy Apartment in City Center (m2)

$5,778 £4,301

$7,882 £5,868

-26.70%

Buy Apartment Outside City Center (m2)

$3,177 £2,365

$7,323 £5,452

-56.62%

Average Monthly Net Salary (After Tax)

$3,534 £2,631

$2,955 £2,200

19.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.56

5.53

0.54%

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

Last update for Derby: July 13, 2026

Last update for Chatham: July 12, 2026

Cost Breakdown

A central one-bedroom costs $774 in Derby versus $1,629 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 20% 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 $81.0 in Derby versus $96.0 in Chatham. Groceries tell a different story – $301 in Derby vs $289 in Chatham – so Chatham wins on supermarket bills even if dining out costs more.

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 28% more than Derby, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,276 per month in Derby and $4,178 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 $2,184 in Derby and $2,785 in Chatham. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 5% 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 $2,184, than in Chatham at $2,785. 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.