Last update: Oct 2026

Cost of Living Comparison Between Derby and Wellington

For one person, living is cheaper in Derby: $2,222 a month against $2,376 in Wellington, rent and utilities included – about $1,800 less a year. Higher rent and utilities in Wellington outweigh lower spending on other living expenses.

107

Cost of Living Index in Derby
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Derby Living Index
115

Cost of Living Index in Wellington
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Wellington Living Index

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Derby

🇬🇧 United Kingdom

$2,222

/mo nomad

Wellington

🇳🇿 New Zealand

$2,376

/mo nomad

Monthly Cost of Living

How much you'll spend in Derby and in Wellington

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

A single person spends $2,222 per month in Derby vs $2,376 in Wellington, rent included.

Derby $2,222
Wellington $2,376

A couple spends around $3,420 per month in Derby vs $3,407 in Wellington, rent included.

Derby $3,420
Wellington $3,407

A family of three spends $4,618 per month in Derby vs $4,439 in Wellington, rent included.

Derby $4,618
Wellington $4,439

Derby is about 6% cheaper than Wellington, and outside of rent the biggest gap is in eating out.

Both Derby and Wellington sit above the global median – Derby by 64%, Wellington by 75%.

Meal at Budget Restaurant

$26.87 £20.16

$14.01 NZ$24.78

91.79%

Three-Course Dinner for Two, Mid-Range

$95.0 £71.2

$65.8 NZ$116

44.32%

Fast Food Meal (McDonalds, etc)

$10.68 £8.01

$9.37 NZ$16.56

13.98%

Cappuccino

$4.87 £3.65

$3.40 NZ$6.02

43.24%

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

$2.51 £1.88

$2.46 NZ$4.35

2.03%

Water (0.33 liter bottle)

$2.02 £1.52

$1.75 NZ$3.09

15.43%

Local Beer (0.5 liter draught)

$6.72 £5.04

$7.27 NZ$12.85

-7.57%

Imported Beer (0.33 liter bottle)

$7.02 £5.26

$6.71 NZ$11.87

4.62%

Milk (1 liter)

$1.56 £1.17

$1.94 NZ$3.43

-19.59%

White Bread (500g)

$1.44 £1.08

$2.15 NZ$3.81

-33.02%

Rice (white) (1kg)

$2.33 £1.75

$1.83 NZ$3.25

27.32%

Eggs

$3.79 £2.84

$6.88 NZ$12.16

-44.91%

Local Cheese (1kg)

$8.35 £6.26

$9.19 NZ$16.26

-9.14%

Chicken Fillets (1kg)

$8.63 £6.47

$9.99 NZ$17.67

-13.61%

Beef Round Steak (1kg)

$23.80 £17.85

$14.97 NZ$26.48

58.98%

Apples (1kg)

$5.22 £3.92

$3.03 NZ$5.36

72.28%

Banana (1kg)

$2.80 £2.10

$2.24 NZ$3.96

25.00%

Oranges (1kg)

$2.98 £2.24

$3.09 NZ$5.47

-3.56%

Tomato (1kg)

$3.80 £2.85

$6.55 NZ$11.59

-41.98%

Potato (1kg)

$1.54 £1.16

$2.16 NZ$3.83

-28.70%

Onion (1kg)

$1.59 £1.19

$1.28 NZ$2.27

24.22%

Lettuce (1 head)

$1.06 £0.79

$2.10 NZ$3.71

-49.52%

Water (1.5 liter bottle)

$1.40 £1.05

$1.20 NZ$2.12

16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$23.20 £17.41

$25.79 NZ$45.60

-10.04%

Wine (Bottle)

$10.79 £8.09

$11.27 NZ$19.94

-4.26%

Local Beer (0.5 liter bottle)

$3.27 £2.45

$3.12 NZ$5.51

4.81%

Imported Beer (0.33 liter bottle)

$3.57 £2.68

$2.82 NZ$4.98

26.60%

One-way Ticket (Public Transport)

$3.05 £2.29

$2.76 NZ$4.89

10.51%

Public Transport Monthly Pass (Regular Price)

$93.4 £70.1

$104 NZ$184

-10.26%

Taxi Start (Normal Tariff)

$4.43 £3.33

$1.88 NZ$3.33

135.64%

Taxi (Normal Tariff) (1km)

$1.64 £1.23

$1.78 NZ$3.14

-7.87%

Taxi 1hour Waiting (Normal Tariff)

$31.46 £23.60

$33.72 NZ$59.6

-6.70%

Gasoline (1 liter)

$2.00 £1.50

$1.85 NZ$3.27

8.11%

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

$38.6K £28.9K

$28.7K NZ$50.8K

34.32%

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

$39.7K £29.8K

$23.8K NZ$42.1K

66.85%

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

$371 £278

$194 NZ$344

91.06%

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

$19.57 £14.68

$33.42 NZ$59.1

-41.44%

Internet (50+ Mbps, Unlimited Data)

$39.53 £29.66

$53.5 NZ$94.7

-26.14%

Gym Membership (Monthly)

$45.20 £33.91

$38.12 NZ$67.4

18.57%

Tennis Court (1 Hour on Weekend)

$26.26 £19.70

$16.15 NZ$28.56

62.60%

Cinema Ticket

$15.53 £11.65

$11.97 NZ$21.17

29.74%

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

$1,815 £1,362

$1,056 NZ$1,868

71.89%

International Primary School, 1 Child (Yearly)

$20.5K £15.4K

$12.9K NZ$22.9K

58.95%

Jeans (Levis 501 Or Similar)

$114 £85.3

$79.2 NZ$140

43.62%

Summer Dress (H&M, Zara, etc)

$57.2 £42.94

$28.87 NZ$51.1

98.27%

Sport Shoes (Adidas, Nike)

$86.6 £65.0

$103 NZ$182

-15.75%

Men's Leather Business Shoes

$101 £75.6

$156 NZ$275

-35.29%

1-bedroom Apartment, City Center (Monthly)

$794 £595

$1,217 NZ$2,152

-34.77%

1-bedroom Apartment, Outside City Center (Monthly)

$723 £543

$1,147 NZ$2,028

-36.94%

3-bedroom Apartment, City Center (Monthly)

$1,596 £1,197

$2,154 NZ$3,809

-25.91%

3-bedroom Apartment, Outside City Center (Monthly)

$1,351 £1,014

$1,731 NZ$3,061

-21.94%

Buy Apartment in City Center (m2)

$5,857 £4,394

$6,780 NZ$12.0K

-13.61%

Buy Apartment Outside City Center (m2)

$3,136 £2,353

$3,655 NZ$6,464

-14.19%

Average Monthly Net Salary (After Tax)

$3,597 £2,699

$2,812 NZ$4,972

27.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.88

5.39

-9.46%

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

Last update for Derby: October 17, 2026

Last update for Wellington: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Derby

$723 32.6%

Wellington

$1.1K 48.3% 58.6% $424

Monthly Utilities & Internet

Derby

$430 19.4%

Wellington

$281 11.8% 34.6% $149

Eating Out

Derby

$371 16.7%

Wellington

$248 10.4% 33.3% $124

Groceries & Markets

Derby

$342 15.4%

Wellington

$348 14.6% 1.7% $5.8

Clothing & Footwear

Derby

$161 7.3%

Wellington

$165 6.9% 2.3% $3.7

Getting Around

Derby

$118 5.3%

Wellington

$126 5.3% 6.5% $7.6

Sport & Entertainment

Derby

$76 3.4%

Wellington

$62 2.6% 18.6% $14

Cost Breakdown

A central one-bedroom costs $794 in Derby versus $1,217 in Wellington. 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 28% 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 $66.0 in Wellington. Groceries tell a different story – $342 in Derby vs $348 in Wellington – so Derby wins on supermarket bills even if dining out costs more.

Good to know

🇬🇧 Derby

🇳🇿 Wellington

🕒 Local time

23:57 11:57 PM

11:57 11:57 AM

12 h ahead of Derby

🌤 Weather

👥 Population

233,700

215,900 Capital

💱 Currency

British Pound GBP £

New Zealand Dollar NZD $

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

Exchange rates and currency converter

NZD, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 21, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

New Zealand Dollar exchange rates as of October 21, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

USD to GBP in detail →

On the map

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Between locations

Derby Wellington 18,690 km ≈ 24 h nonstop flight

From you

Derby
Wellington

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 Wellington: Cost of Living - Frequently Asked Questions

Wellington costs about 7% 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 $3,564 in Wellington. 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.

Kindergarten costs $1,815 per month in Derby and $1,056 in Wellington. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 2% more in Wellington, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Derby, where all-in costs run around $2,222, than in Wellington at $2,376. In Derby it covers expenses comfortably, while in Wellington it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Derby costs $2,222 versus $2,376 in Wellington. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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, Wellington makes more sense. Both are solid long-term options with distinct trade-offs.