Derby, CO vs Louisville, CO

The cost of living difference between Derby, CO and Louisville, CO is dramatic. Derby is 30.8% cheaper than Louisville, a gap that translates to thousands of dollars per year in household expenses. Derby has a cost index of 115 while Louisville sits at 166, 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 Derby is $1,721/month compared to $2,069/month in Louisville — a 17% difference. Home values follow the same pattern: Derby is more affordable at $317,400 median vs $835,000.

Median household income in Derby is $78,696 compared to $149,159 in Louisville (-47.2%). While Louisville is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Derby spend roughly 26.2% of their income on rent, more than the 16.6% in Louisville.