Last update: Oct 2026

Cost of Living Comparison Between Derby and Lincoln

For one person, living costs are similar in Derby and in Lincoln: $2,222 and $2,203 a month, rent and utilities included.

107

Cost of Living Index in Derby
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Derby Living Index
107

Cost of Living Index in Lincoln
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Lincoln Living Index

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Derby

🇬🇧 United Kingdom

$2,222

/mo nomad

Lincoln

🇬🇧 United Kingdom

$2,203

/mo nomad

Monthly Cost of Living

How much you'll spend in Derby and in Lincoln

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 Lincoln actually costs, broken down by who's living it.

A single person spends $2,222 per month in Derby vs $2,203 in Lincoln, rent included.

Derby $2,222
Lincoln $2,203

A couple spends around $3,420 per month in Derby vs $3,290 in Lincoln, rent included.

Derby $3,420
Lincoln $3,290

A family of three spends $4,618 per month in Derby vs $4,376 in Lincoln, rent included.

Derby $4,618
Lincoln $4,376

Derby costs about 1% more than Lincoln, and outside of rent the biggest gap is in groceries.

Both Derby and Lincoln sit above the global median – Derby by 64%, Lincoln by 63%.

Meal at Budget Restaurant

$26.87 £20.16

$26.70 £20.03

0.64%

Three-Course Dinner for Two, Mid-Range

$95.0 £71.2

$85.8 £64.4

10.66%

Fast Food Meal (McDonalds, etc)

$10.68 £8.01

$8.14 £6.11

31.20%

Cappuccino

$4.87 £3.65

$4.98 £3.74

-2.21%

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

$2.51 £1.88

$2.64 £1.98

-4.92%

Water (0.33 liter bottle)

$2.02 £1.52

$1.97 £1.48

2.54%

Local Beer (0.5 liter draught)

$6.72 £5.04

$6.70 £5.03

0.30%

Imported Beer (0.33 liter bottle)

$7.02 £5.26

$6.58 £4.94

6.69%

Milk (1 liter)

$1.56 £1.17

$1.40 £1.05

11.43%

White Bread (500g)

$1.44 £1.08

$1.49 £1.12

-3.36%

Rice (white) (1kg)

$2.33 £1.75

$1.34 £1.01

73.88%

Eggs

$3.79 £2.84

$3.36 £2.52

12.80%

Local Cheese (1kg)

$8.35 £6.26

$8.31 £6.23

0.48%

Chicken Fillets (1kg)

$8.63 £6.47

$8.59 £6.44

0.47%

Beef Round Steak (1kg)

$23.80 £17.85

$11.39 £8.54

108.96%

Apples (1kg)

$5.22 £3.92

$3.48 £2.61

50.00%

Banana (1kg)

$2.80 £2.10

$1.20 £0.90

133.33%

Oranges (1kg)

$2.98 £2.24

$3.11 £2.33

-4.18%

Tomato (1kg)

$3.80 £2.85

$3.65 £2.74

4.11%

Potato (1kg)

$1.54 £1.16

$1.47 £1.10

4.76%

Onion (1kg)

$1.59 £1.19

$1.16 £0.87

37.07%

Lettuce (1 head)

$1.06 £0.79

$1.04 £0.78

1.92%

Water (1.5 liter bottle)

$1.40 £1.05

$1.35 £1.02

3.70%

Cigarettes 20 Pack (Marlboro, Camel)

$23.20 £17.41

$23.57 £17.68

-1.57%

Wine (Bottle)

$10.79 £8.09

$10.50 £7.88

2.76%

Local Beer (0.5 liter bottle)

$3.27 £2.45

$3.18 £2.39

2.83%

Imported Beer (0.33 liter bottle)

$3.57 £2.68

$3.59 £2.69

-0.56%

One-way Ticket (Public Transport)

$3.05 £2.29

$4.15 £3.12

-26.51%

Public Transport Monthly Pass (Regular Price)

$93.4 £70.1

$107 £80.3

-12.69%

Taxi Start (Normal Tariff)

$4.43 £3.33

$3.88 £2.91

14.18%

Taxi (Normal Tariff) (1km)

$1.64 £1.23

$0.71 £0.54

130.99%

Taxi 1hour Waiting (Normal Tariff)

$31.46 £23.60

$19.84 £14.89

58.57%

Gasoline (1 liter)

$2.00 £1.50

$2.06 £1.54

-2.91%

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

$38.6K £28.9K

-0.02%

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

$39.7K £29.8K

$40.4K £30.3K

-1.61%

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

$371 £278

$304 £228

22.13%

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

$19.57 £14.68

$17.07 £12.81

14.65%

Internet (50+ Mbps, Unlimited Data)

$39.53 £29.66

$40.02 £30.02

-1.22%

Gym Membership (Monthly)

$45.20 £33.91

$26.70 £20.03

69.29%

Tennis Court (1 Hour on Weekend)

$26.26 £19.70

$21.35 £16.01

23.00%

Cinema Ticket

$15.53 £11.65

$15.55 £11.66

-0.13%

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

$1,815 £1,362

$1,831 £1,373

-0.83%

International Primary School, 1 Child (Yearly)

$20.5K £15.4K

$20.6K £15.5K

-0.42%

Jeans (Levis 501 Or Similar)

$114 £85.3

$115 £85.9

-0.67%

Summer Dress (H&M, Zara, etc)

$57.2 £42.94

$58.6 £43.98

-2.35%

Sport Shoes (Adidas, Nike)

$86.6 £65.0

$84.9 £63.7

1.98%

Men's Leather Business Shoes

$101 £75.6

$99.3 £74.5

1.51%

1-bedroom Apartment, City Center (Monthly)

$794 £595

$1,078 £809

-26.38%

1-bedroom Apartment, Outside City Center (Monthly)

$723 £543

$854 £640

-15.27%

3-bedroom Apartment, City Center (Monthly)

$1,596 £1,197

$1,936 £1,453

-17.58%

3-bedroom Apartment, Outside City Center (Monthly)

$1,351 £1,014

$1,426 £1,070

-5.24%

Buy Apartment in City Center (m2)

$5,857 £4,394

$2,503 £1,878

133.97%

Buy Apartment Outside City Center (m2)

$3,136 £2,353

$1,220 £916

156.99%

Average Monthly Net Salary (After Tax)

$3,597 £2,699

$3,307 £2,481

8.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.88

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

Last update for Derby: October 17, 2026

Last update for Lincoln: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Derby

$723 32.6%

Lincoln

$854 38.7% 18% $130

Monthly Utilities & Internet

Derby

$430 19.4%

Lincoln

$361 16.4% 16.1% $69

Eating Out

Derby

$371 16.7%

Lincoln

$363 16.5% 2.2% $8.3

Groceries & Markets

Derby

$342 15.4%

Lincoln

$276 12.5% 19.1% $65

Clothing & Footwear

Derby

$161 7.3%

Lincoln

$161 7.3% 0.3% $0.5

Getting Around

Derby

$118 5.3%

Lincoln

$131 6% 10.8% $13

Sport & Entertainment

Derby

$76 3.4%

Lincoln

$58 2.6% 24.2% $18

Cost Breakdown

A central one-bedroom costs $794 in Derby versus $1,078 in Lincoln. 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 9% higher in Derby, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $95.0 in Derby versus $86.0 in Lincoln. Monthly groceries follow the same trend: $342 vs $276 – making Lincoln the more affordable choice for daily food spending.

Good to know

🇬🇧 Derby

🇬🇧 Lincoln

🕒 Local time

01:26 1:26 AM

Same time as Derby

🌤 Weather

👥 Population

233,700

97,541

💱 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

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Derby Lincoln 71 km

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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 Lincoln: Cost of Living - Frequently Asked Questions

Derby costs about 1% more than Lincoln, and outside of rent the gap comes mainly from groceries. 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 $3,305 in Lincoln. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $1,815 per month in Derby and $1,831 in Lincoln. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 24% more in Derby, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $3,000 monthly budget goes further in Lincoln, where all-in costs run around $2,203, than in Derby at $2,222. In Lincoln it covers expenses comfortably, while in Derby it requires careful planning or may not stretch far enough.

Families tend to lean toward Lincoln – 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 Lincoln. If higher salaries, better infrastructure, or specific career opportunities are the priority, Derby makes more sense. Both are solid long-term options with distinct trade-offs.