Last update: Oct 2026

Cost of Living Comparison Between Lincoln and Derby

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

107

Cost of Living Index in Lincoln
Learn more

Lincoln Living Index
107

Cost of Living Index in Derby
Learn more

Derby Living Index

Jump to prices

Lincoln

🇬🇧 United Kingdom

$2,203

/mo nomad

Derby

🇬🇧 United Kingdom

$2,222

/mo nomad

Monthly Cost of Living

How much you'll spend in Lincoln 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 Lincoln and in Derby actually costs, broken down by who's living it.

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

Lincoln $2,203
Derby $2,222

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

Lincoln $3,290
Derby $3,420

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

Lincoln $4,376
Derby $4,618

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

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

Meal at Budget Restaurant

$26.70 £20.03

$26.87 £20.16

-0.63%

Three-Course Dinner for Two, Mid-Range

$85.8 £64.4

$95.0 £71.2

-9.64%

Fast Food Meal (McDonalds, etc)

$8.14 £6.11

$10.68 £8.01

-23.78%

Cappuccino

$4.98 £3.74

$4.87 £3.65

2.26%

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

$2.64 £1.98

$2.51 £1.88

5.18%

Water (0.33 liter bottle)

$1.97 £1.48

$2.02 £1.52

-2.48%

Local Beer (0.5 liter draught)

$6.70 £5.03

$6.72 £5.04

-0.30%

Imported Beer (0.33 liter bottle)

$6.58 £4.94

$7.02 £5.26

-6.27%

Milk (1 liter)

$1.40 £1.05

$1.56 £1.17

-10.26%

White Bread (500g)

$1.49 £1.12

$1.44 £1.08

3.47%

Rice (white) (1kg)

$1.34 £1.01

$2.33 £1.75

-42.49%

Eggs

$3.36 £2.52

$3.79 £2.84

-11.35%

Local Cheese (1kg)

$8.31 £6.23

$8.35 £6.26

-0.48%

Chicken Fillets (1kg)

$8.59 £6.44

$8.63 £6.47

-0.46%

Beef Round Steak (1kg)

$11.39 £8.54

$23.80 £17.85

-52.14%

Apples (1kg)

$3.48 £2.61

$5.22 £3.92

-33.33%

Banana (1kg)

$1.20 £0.90

$2.80 £2.10

-57.14%

Oranges (1kg)

$3.11 £2.33

$2.98 £2.24

4.36%

Tomato (1kg)

$3.65 £2.74

$3.80 £2.85

-3.95%

Potato (1kg)

$1.47 £1.10

$1.54 £1.16

-4.55%

Onion (1kg)

$1.16 £0.87

$1.59 £1.19

-27.04%

Lettuce (1 head)

$1.04 £0.78

$1.06 £0.79

-1.89%

Water (1.5 liter bottle)

$1.35 £1.02

$1.40 £1.05

-3.57%

Cigarettes 20 Pack (Marlboro, Camel)

$23.57 £17.68

$23.20 £17.41

1.59%

Wine (Bottle)

$10.50 £7.88

$10.79 £8.09

-2.69%

Local Beer (0.5 liter bottle)

$3.18 £2.39

$3.27 £2.45

-2.75%

Imported Beer (0.33 liter bottle)

$3.59 £2.69

$3.57 £2.68

0.56%

One-way Ticket (Public Transport)

$4.15 £3.12

$3.05 £2.29

36.07%

Public Transport Monthly Pass (Regular Price)

$107 £80.3

$93.4 £70.1

14.53%

Taxi Start (Normal Tariff)

$3.88 £2.91

$4.43 £3.33

-12.42%

Taxi (Normal Tariff) (1km)

$0.71 £0.54

$1.64 £1.23

-56.71%

Taxi 1hour Waiting (Normal Tariff)

$19.84 £14.89

$31.46 £23.60

-36.94%

Gasoline (1 liter)

$2.06 £1.54

$2.00 £1.50

3.00%

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)

$40.4K £30.3K

$39.7K £29.8K

1.64%

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

$304 £228

$371 £278

-18.12%

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

$17.07 £12.81

$19.57 £14.68

-12.77%

Internet (50+ Mbps, Unlimited Data)

$40.02 £30.02

$39.53 £29.66

1.24%

Gym Membership (Monthly)

$26.70 £20.03

$45.20 £33.91

-40.93%

Tennis Court (1 Hour on Weekend)

$21.35 £16.01

$26.26 £19.70

-18.70%

Cinema Ticket

$15.55 £11.66

$15.53 £11.65

0.13%

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

$1,831 £1,373

$1,815 £1,362

0.84%

International Primary School, 1 Child (Yearly)

$20.6K £15.5K

$20.5K £15.4K

0.42%

Jeans (Levis 501 Or Similar)

$115 £85.9

$114 £85.3

0.68%

Summer Dress (H&M, Zara, etc)

$58.6 £43.98

$57.2 £42.94

2.41%

Sport Shoes (Adidas, Nike)

$84.9 £63.7

$86.6 £65.0

-1.94%

Men's Leather Business Shoes

$99.3 £74.5

$101 £75.6

-1.49%

1-bedroom Apartment, City Center (Monthly)

$1,078 £809

$794 £595

35.83%

1-bedroom Apartment, Outside City Center (Monthly)

$854 £640

$723 £543

18.03%

3-bedroom Apartment, City Center (Monthly)

$1,936 £1,453

$1,596 £1,197

21.33%

3-bedroom Apartment, Outside City Center (Monthly)

$1,426 £1,070

$1,351 £1,014

5.53%

Buy Apartment in City Center (m2)

$2,503 £1,878

$5,857 £4,394

-57.26%

Buy Apartment Outside City Center (m2)

$1,220 £916

$3,136 £2,353

-61.09%

Average Monthly Net Salary (After Tax)

$3,307 £2,481

$3,597 £2,699

-8.08%

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 Lincoln: October 17, 2026

Last update for Derby: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Lincoln

$854 38.7%

Derby

$723 32.6% 15.3% $130

Eating Out

Lincoln

$363 16.5%

Derby

$371 16.7% 2.3% $8.3

Monthly Utilities & Internet

Lincoln

$361 16.4%

Derby

$430 19.4% 19.2% $69

Groceries & Markets

Lincoln

$276 12.5%

Derby

$342 15.4% 23.7% $65

Clothing & Footwear

Lincoln

$161 7.3%

Derby

$161 7.3% 0.3% $0.5

Getting Around

Lincoln

$131 6%

Derby

$118 5.3% 9.8% $13

Sport & Entertainment

Lincoln

$58 2.6%

Derby

$76 3.4% 32% $18

Cost Breakdown

A central one-bedroom costs $1,078 in Lincoln 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 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 $86.0 in Lincoln versus $95.0 in Derby. Monthly groceries follow the same trend: $276 vs $342 – making Lincoln the more affordable choice for daily food spending.

Good to know

🇬🇧 Lincoln

🇬🇧 Derby

🕒 Local time

00:49 12:49 AM

Same time as Lincoln

🌤 Weather

👥 Population

97,541

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

Lincoln Derby 71 km

From you

Lincoln
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

Lincoln vs Derby: 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 $3,305 per month in Lincoln 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 Lincoln, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $1,831 per month in Lincoln and $1,815 in Derby. 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.