How Much Does It Cost to Live in Derby, United Kingdom?

Derby is a medium city located in United Kingdom with a metropolitan area population of 236,738. A couple could live a moderate lifestyle in Derby on a budget of $2,701 per month, or $32,417 per year.

Cost of Living in Derby, United Kingdom

As noted above, the cost of living in Derby, United Kingdom is $2,701 per month for a couple living a moderate lifestyle. This budget consists of $1,365 for housing related costs, $456 for food, and $880 for other costs, all of which will be broken down below.


  • A one-bedroom apartment in the city center of Derby is estimated to cost $969
  • Basic utilities including electricity, water, and gas will run about $348
  • High-speed internet averages $48


  • Typical grocery costs of $310 per month include things like bread, eggs, milk, cheese, rice, chicken breast, bottled water, fruits, and vegetables
  • Alcohol including beer and wine for moderate home consumption costs about $65
  • Frequent coffees in a neighborhood café are estimated to be about $81


  • Meals out are estimated to be $533 per month, including 4 meals in mid-range restaurants and 8 in inexpensive restaurants
  • Transportation costs of $187 for public transport passes and occasional taxis
  • Fitness center memberships of $100
  • Cinema tickets of $60 include several outings for international releases

Note that Derby, United Kingdom is a very walkable city with a Walk Score of 97/100, which means you won’t need a car if you are living in the city center and you may even save some money by not using public transportation and taxis very often.

Amount of Money Needed to Retire in Derby, United Kingdom

Many people searching the internet for the cost of living in Derby, United Kingdom are doing so to see if and when they can quit their jobs and retire. A popular and easy way to calculate your retirement number is using the 4% Rule.

The 4% Rule estimates that a person(s) could withdraw 4% of their retirement nest egg and never run out of money. Using this calculation, a couple would need an investment portfolio of $810,426 to live a moderate lifestyle in Derby, United Kingdom.

Annual expenses of $32,417 ÷ 4% = $810,426 portfolio needed.

Of course, everyone’s financial situation is different, and the above calculation could change based on any other sources of passive income and social security income.


Overall, the cost of living in Derby, United Kingdom is affordable coming in at $2,701 for a couple living a moderate lifestyle. Those seeking to retire could do so comfortably with a retirement portfolio of $810,426.