Median Income
$58,750
22% lower than US avg
Home Value
$73,800
74% lower than US avg
Bachelor's+
1.4%
96% lower than US avg
Obesity Rate
38.0%
18% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
17.9%
44% higher than US avg
How Derby Compares to the U.S. Average (100% = U.S. avg)
People
Population106
Median Age38.8 yrs
Density408/mi²
Male / Female41% / 59%
Largest GroupWhite 99%
Veterans13.0%
Economy
B+
Median Income$58,750
Per Capita$19,553
Unemployment0.0%
Poverty17.9%
County GDP$316M
Commute40 min
Housing
A+
Home Value$73,800
Ownership94.3%
Zillow$75,072
Housing Units49
Rent Burden24.6%
Health
Obesity38.0%
Uninsured35.8%
Smoking16.9%
Depression23.4%
Heart Disease5.6%
Climate
Avg Temp48°F (9°C)
Rain37.3 in/yr
Elevation1,088 ft (332 m)
Education
F
Bachelor's+1.4%
High School+71.0%
Graduate+0.0%
School Score5.65
Community
2024 VoteR 78% / D 21%
Commute40 min
Broadband77.1%
EV Stations3
Libraries4
Is Derby a Good Place to Live?
Based on current data, Derby receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing. Areas to be aware of include an elevated poverty rate, a high uninsured rate, below-average incomes. Derby offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Derby is $58,750, 22% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. The poverty rate of 17.9% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 40 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Derby is $73,800, 74% below the national median / offering relatively affordable homeownership. At just 1.3x median income, home prices are very affordable relative to local earnings.
Education
1.4% of residents hold a bachelor's degree, below the national average of 33.7%. 71.0% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
Derby experiences four distinct seasons with an average temperature of 48°F. Winters average 21°F in January while summers reach 73°F in July. Annual precipitation totals 37.3 inches, including 24.1 inches of snow.
Derby has a population of 106 with a density of 408 people per square mile, spread across 0.3 square miles. The median age is 38.8 years, 0% younger than the national median of 38.9. The gender split is 59.4% female and 40.6% male. The city is predominantly White (99.1%). English is the primary language spoken at home by 71.9% of residents, while 22.2% speak Spanish. 13.0% of the population are veterans, above the national rate of 6.0%. 14.2% of residents have a disability. 64.2% have health insurance coverage.
Population
106
Total Population
2023 Census
38.8yrs
Median Age
0% below US avg
Language Spoken at Home
English Only
71.9%
8% below US avg
Spanish
22.2%
66% above US avg
The median household income in Derby is $58,750, which is 22% below the national average of $75,149. Per capita income is $19,553 (below the $39,052 national figure). The average weekly wage is $968, 32% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 17.9% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 185 business establishments, including 8 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 40 minutes (longer than the 28-minute US average). 12.5% of workers work from home.
Income
| Median HH Income | $58,750 |
| 22% below US avg |
| Per Capita Income | $19,553 |
| Avg Weekly Wage | $968 |
| IRS Avg AGI | $57,510 |
| Gini Index | 0.460 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 17.9% |
| 44% above US avg |
| Establishments (County) | 185 |
| County GDP | $316M |
Business (County)
| Restaurants | 8 |
| Healthcare | 11 |
| Retail | 22 |
| Manufacturing | 5 |
Tax & Cost of Living
| Property Tax (IRS) | $3,250 |
| 7% below US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 4.40% |
Commute & Transportation
| Commute Time | 40.4 min |
| Drive Alone | 60.0% |
| Public Transit | 7.5% |
| Work from Home | 12.5% |
The median home value in Derby is $73,800, 74% below the national median of $281,900. Zillow estimates the typical home value at $75,072. Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 94.3% of housing units are owner-occupied (above the 65.4% national rate). There are 49 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $3,250. 24.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.3x, well within the affordable range.
Home Values
| Census Median | $73,800 |
| 74% below US avg |
| Zillow ZHVI | $75,072 |
Rental Costs
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 94.3% |
| Owner-Occupied | 94.3% |
| Renter-Occupied | 5.7% |
| Housing Units | 49 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $3,250 |
| 7% below US avg |
| Effective Rate | 4.40% |
In Derby, 38.0% of adults are obese, above the national rate of 32.1%. 9.4% have diabetes. Heart disease affects 5.6% of residents. 30.4% have high blood pressure. 16.9% are current smokers (above the 14.0% national rate). 21.6% report binge drinking. 24.7% are physically inactive. 23.4% report depression (above the 20.0% national average). 18.9% experience frequent mental distress. 35.8% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,302. The dentist ratio is 1:2,156. 35.8% of residents have access to exercise opportunities. The food environment index is 7.2 out of 10.
Health Metrics: Derby vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.0% |
| 18% above US avg |
| Diabetes | 9.4% |
| Heart Disease | 5.6% |
| High Blood Pressure | 30.4% |
| Asthma | 10.7% |
| COPD | 6.6% |
| Cancer | 7.4% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.9% |
| 21% above US avg |
| Binge Drinking | 21.6% |
| Physical Inactivity | 24.7% |
| Depression | 23.4% |
| Mental Distress | 18.9% |
| Physical Distress | 12.7% |
| Short Sleep | 32.5% |
Healthcare Access
| Insurance Rate | 64.2% |
| Uninsured | 35.8% |
| 316% above US avg |
| Primary Care | 1:1,302 |
| Dentists | 1:2,156 |
| Mental Health | 1:3,279 |
| Checkup Rate | 75.7% |
| Dental Visits | 69.2% |
| Premature Death | 8,502/100K |
Food & Exercise
| Food Environment | 7.2/10 |
| Exercise Access | 35.8% |
| Healthcare Facilities | 11 |
Derby experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 21°F in January while summers reach 73°F in July. Annual precipitation totals 37.3 inches. The area receives 24.1 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 1,088 feet.
Temperature
21°F Jan (-6°C)
73°F Jul (23°C)
| Annual Average | 48.3°F |
| 11% below US avg |
| January Average | 21°F (-6°C) |
| July Average | 73°F (23°C) |
Geography
| Elevation | 1,088 ft (332 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 408/sq mi |
| Coordinates | 40.9303°N, 93.4565°W |
| Timezone | America/Chicago |
| County | Wayne County County |
| Nearest Airport | Des Moines International (DSM)
41 miles away |
Precipitation & Snow
Annual Rainfall
37.3"
2% below US avg
Wettest Month (May)
5.39"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 22.0 / 100 |
| Social Vulnerability | 73.9 / 100 |
| Community Resilience | 46.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively High |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
2 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.1. Most recent: M2.5 on Jul 15, 2025.
| Feb 11, 1995 |
6 km E of Clearmont, Missouri |
M3.1 |
135 km |
| Jul 15, 2025 |
3 km W of Hale, Missouri |
M2.5 |
148 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
556 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 18 fatalities, 246 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Mar 5, 2022 |
EF4 |
71 km |
6 |
| Apr 8, 1999 |
EF4 |
73 km |
0 |
| May 27, 1995 |
EF4 |
82 km |
0 |
| Sep 28, 1986 |
EF4 |
92 km |
0 |
| Jun 7, 1984 |
EF4 |
75 km |
3 |
| Jun 2, 1980 |
EF4 |
52 km |
0 |
| Jun 18, 1974 |
EF4 |
90 km |
2 |
| Apr 21, 1973 |
EF4 |
67 km |
0 |
| Jan 24, 1967 |
EF4 |
98 km |
0 |
| May 20, 1959 |
EF4 |
36 km |
0 |
| May 10, 1953 |
EF4 |
13 km |
0 |
| Mar 31, 2023 |
EF3 |
95 km |
0 |
| Mar 5, 2022 |
EF3 |
6 km |
1 |
| Aug 20, 2019 |
EF3 |
37 km |
0 |
| Jul 19, 2018 |
EF3 |
73 km |
0 |
| Jun 22, 2015 |
EF3 |
39 km |
0 |
| Apr 11, 2001 |
EF3 |
98 km |
0 |
| Apr 8, 1999 |
EF3 |
16 km |
0 |
| Apr 8, 1999 |
EF3 |
90 km |
0 |
| May 27, 1995 |
EF3 |
61 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: NEAL SMITH WUI 2016 1 (1,050 ac, 2016).
| Year |
Name |
Acres |
Distance |
| 2016 |
NEAL SMITH WUI 2016 1 |
1,050 |
74 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
21°F (-6°C) |
1.0 in |
Coldest, Driest |
| February |
25°F (-4°C) |
1.4 in |
|
| March |
37°F (3°C) |
1.9 in |
|
| April |
48°F (9°C) |
4.2 in |
|
| May |
59°F (15°C) |
5.4 in |
Wettest |
| June |
69°F (20°C) |
4.9 in |
|
| July |
73°F (23°C) |
4.2 in |
Warmest |
| August |
71°F (22°C) |
4.4 in |
|
| September |
63°F (17°C) |
3.7 in |
|
| October |
51°F (10°C) |
3.0 in |
|
| November |
37°F (3°C) |
2.0 in |
|
| December |
26°F (-3°C) |
1.3 in |
|
Derby has a seasonal temperature swing of 52°F / from 21°F in January to 73°F in July. Total annual precipitation is 37.3 inches, with May being the wettest month (5.4") and January the driest (1.0").
Average costs for common services in Derby. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132-$351) |
| Specialist Visit |
$307 ($176-$483) |
| Urgent Care Visit |
$176 ($88-$307) |
| Emergency Room Visit |
$1,932 ($702-$4,390) |
| Dental Cleaning |
$114 ($66-$176) |
| Dental Filling |
$220 ($132-$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22-$66) |
| Oil Change (Synthetic) |
$66 ($44-$105) |
| Brake Pad Replacement |
$263 ($132-$439) |
| Tire Rotation |
$35 ($18-$66) |
| New Tires (Set of 4) |
$527 ($351-$878) |
| Battery Replacement |
$176 ($88-$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53-$132) |
| Electrician (Per Hour) |
$79 ($44-$123) |
| HVAC Repair |
$351 ($132-$702) |
| HVAC System Install |
$6,146 ($3,512-$10,536) |
| Roof Repair |
$878 ($351-$1,756) |
| Roof Replacement |
$7,902 ($4,829-$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439-$3,073) |
| Divorce (Contested) |
$13,170 ($4,390-$26,340) |
| DUI Defense |
$4,390 ($1,756-$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702-$2,634) |
| Will Preparation |
$439 ($176-$878) |
| Trust Preparation |
$2,195 ($878-$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13-$40) |
| Women's Haircut |
$48 ($26-$88) |
| Hair Coloring (Full) |
$132 ($66-$220) |
| Manicure |
$22 ($13-$40) |
| Pedicure |
$35 ($22-$57) |
| Massage (1 Hour) |
$70 ($44-$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63-$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20-$4.39) |
| Loaf of Bread |
$3.34 ($2.20-$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63-$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51-$6.59) |
| Rice (per lb) |
$0.88 ($0.53-$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70-$220) |
| Natural Gas (Monthly) |
$61 ($26-$132) |
| Water/Sewer (Monthly) |
$61 ($35-$105) |
| Internet (Monthly) |
$61 ($35-$88) |
| Cell Phone Plan (Monthly) |
$57 ($26-$88) |
| Cable TV (Monthly) |
$75 ($44-$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66-$439) |
| Car Insurance (Annual) |
$1,756 ($1,054-$3,073) |
| Bus Pass (Monthly) |
$61 ($26-$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02-$22) |
| Car Registration (Annual) |
$88 ($26-$220) |
| Driver's License Renewal |
$26 ($13-$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527-$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439-$1,756) |
| After-School Care (Monthly) |
$351 ($176-$615) |
| Tutoring (Per Hour) |
$44 ($22-$88) |
| SAT/ACT Prep Course |
$878 ($351-$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390-$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26-$88) |
| Dog Vaccination (Annual) |
$88 ($44-$176) |
| Dog Grooming |
$53 ($26-$88) |
| Pet Boarding (Per Night) |
$35 ($18-$66) |
| Dog Spay/Neuter |
$263 ($132-$439) |
| Cat Spay/Neuter |
$176 ($88-$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $661 |
| Toddler | $570 |
| Preschool | $570 |
| Family Childcare (monthly) |
| Infant | $434 |
| Toddler | $427 |
| Preschool | $427 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Derby
What is the population of Derby?
Derby has a population of 106 residents and is located in Iowa. The population density is 408 people per square mile, spread across 0.3 square miles. The median age of residents is 38.8 years. The population is 59.4% female and 40.6% male.
Is Derby expensive to live in?
Derby is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $58,750, 22% below the national average of $75,149. The median home value is $73,800 (74% below the U.S. median). The home price-to-income ratio is 1.3x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Derby?
Derby has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 21°F in January, while summers reach an average of 73°F in July. Annual rainfall totals 37.3 inches, with 24.1 inches of snow.
How is the job market in Derby?
The job market in Derby is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $968. There are 185 business establishments in the area, including 8 restaurants and food service locations. The average commute time is 40 minutes, and 12.5% of workers work from home.
How much does housing cost in Derby?
The median home value in Derby is $73,800. Zillow estimates the typical home value at $75,072. The homeownership rate is 94.3%. The average annual property tax is $3,250.
How are the schools in Derby?
Schools in Derby score 5.7 out of 10 on standardized testing, near the national average. 1.4% of adults in Derby hold a bachelor's degree or higher, below the national average of 33.7%. 71.0% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Derby?
The obesity rate in Derby is 38.0% (above the national rate of 32.1%). 16.9% of adults are smokers. 24.7% are physically inactive. 23.4% of residents report depression. 35.8% lack health insurance (above the national rate). 35.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,302.
What is transportation like in Derby?
The average commute in Derby is 40 minutes, longer than the national average of 28 minutes. 60% of workers drive alone to work, 7.5% use public transit, and 12.5% work from home.
What are the demographics of Derby?
The racial and ethnic makeup of Derby is 99.1% White. 71.9% of residents speak only English at home, while 22.2% speak Spanish. 13.0% of the population are military veterans. 14.2% of residents have a disability. 64.2% have health insurance coverage.