Cos Cob, CT vs Derby, CT

The cost of living difference between Cos Cob, CT and Derby, CT is dramatic. Derby is 109.6% cheaper than Cos Cob, a gap that translates to thousands of dollars per year in household expenses. Cos Cob has a cost index of 207 while Derby sits at 99, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Cos Cob is $2,574/month compared to $1,453/month in Derby — a 77% difference. Home values follow the same pattern: Derby is more affordable at $242,300 median vs $1,149,500.

Median household income in Cos Cob is $176,602 compared to $76,263 in Derby (+131.6%). While Cos Cob is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Cos Cob spend roughly 17.5% of their income on rent, less than the 22.9% in Derby.