Derby, CO vs Orchard City, CO

Orchard City is moderately more affordable than Derby, with a 9.9% lower cost of living index. Derby scores 115 compared to 105 for Orchard City, where the US average is 100. This difference means residents of Derby can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Derby is $1,721/month compared to $1,511/month in Orchard City — a 14% difference. Home values follow the same pattern: Orchard City is more affordable at $286,500 median vs $317,400.

Median household income in Derby is $78,696 compared to $65,282 in Orchard City (+20.5%). While Derby 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, less than the 27.8% in Orchard City.