Derby, CT vs Canandaigua, NY: Cost of Living

Which city costs less?

Canandaigua, NY has a modeled overall cost index 32.8% lower than Derby, CT.

Derby, CT · modeled 2BR rent: $1,710 / month
Canandaigua, NY · modeled 2BR rent: $1,805 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Derby, CT and Canandaigua, NY using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Derby, CT

Numbers update automatically as you type

Estimated savings: $2,588/month in Canandaigua, NY

$150,000 in your current city has a modeled equivalent of $118,949 in Canandaigua, NY

Regional cost estimates: Derby, CT uses New York, NY. Canandaigua, NY uses Newark, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 32.8%

Less expensive

Monthly Impact

$2,588

Savings

Annual Impact

$31.1K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Derby, CT

Population:12K

Cost Index:

121.0

100 = national average

Typical Home:$330K

Canandaigua, NY

Population:10K

Cost Index:

81.3

100 = national average

Typical Home:$327K

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Derby, CT

The Constitution State

12K

Population

State Tax

Yes

Located in Connecticut, this city has a population of 12K residents.

Canandaigua, NY

The Empire State

10K

Population

State Tax

Yes

Located in New York, this city has a population of 10K residents.

Cost Breakdown by Category

Estimated monthly spending: Derby, CT vs Canandaigua, NY

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Derby, CT	Canandaigua, NY	Difference	Change
Housing	$3,850/mo	$1,189/mo	↓ $2,660less	69.1%
Other	$1,138/mo	$1,184/mo	↑ $46.34more	4.1%
Transportation	$896/mo	$934/mo	↑ $37.97more	4.2%
Groceries	$768/mo	$740/mo	↓ $27.33less	3.6%
Healthcare	$453/mo	$463/mo	↑ $10.09more	2.2%
All Utilities	$395/mo	$401/mo	↑ $5.86more	1.5%

Housing

↓ 69.1%

Derby, CT

$3,850

Canandaigua, NY

$1,189

Difference

$2,660

less

Other

↑ 4.1%

Derby, CT

$1,138

Canandaigua, NY

$1,184

Difference

$46.34

Transportation

↑ 4.2%

Derby, CT

$896

Canandaigua, NY

$934

Difference

$37.97

Groceries

↓ 3.6%

Derby, CT

$768

Canandaigua, NY

$740

Difference

$27.33

less

Healthcare

↑ 2.2%

Derby, CT

$453

Canandaigua, NY

$463

Difference

$10.09

All Utilities

↑ 1.5%

Derby, CT

$395

Canandaigua, NY

$401

Difference

$5.86

🏠Rent Comparison

Studio

From$1,280

To$1,280

→ $0

1 Bed

From$1,420

To$1,445

↑ $25.00

2 Bed

From$1,710

To$1,805

↑ $95.00

3 Bed

From$2,090

To$2,175

↑ $85.00

Derby, CTZIP-level data

1BR range: $1,420–$1,420/mo

Canandaigua, NYZIP-level data

1BR range: $1,290–$1,600/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Derby, CT

$4,912

Monthly in Canandaigua, NY

$2,588

Difference

Home Values

Derby

Canandaigua

$330K

Median Value

$327K

↑ +4.9%

YoY Change

↑ +4.4%

↑ +55.7%

5-Year Change

↑ +44.1%

$330K

Price Range

$307K - $347K

Homes in Canandaigua are 1% less expensive than Derby

Calculate payment - Derby Calculate payment - Canandaigua

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.5K

More taxes

Monthly Difference

$124

Less take-home

Effective Rate Diff

1.0%

Rate difference

Derby, CT

Federal Income Tax

Effective: 18.9%

$25.5K

Connecticut State Tax

Effective: 5.4%

$8.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$45.1K

Take-Home Pay

$8,745/month

$104.9K

Canandaigua, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Additional Tax Information

Derby, CT Tax Rates

Sales Tax:6.3%

Property Tax:2.1%

Canandaigua, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Derby

Canandaigua

43 Good

Air Quality

N/A

65.8%

Good Air Days

99 High

Climate Risk

98 High

🌊🌀🌡

Top Hazards

🌊🌡🌪

▲+2.7°F

2050 Outlook

▲+2.9°F

11 days

Heat Days >95°F

15 days

▲+2.7°F

2050 Outlook

▲+2.9°F

11 days

Heat Days >95°F

15 days

Before moving from Derby, CT to Canandaigua, NY

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Canandaigua, NY for the same bedroom count and included utilities as your home in Derby, CT. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Derby to Canandaigua moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Canandaigua, NY by cost, housing, population and region.

Frequently Asked Questions: Derby, CT vs Canandaigua, NY

How do the cost estimates for Derby, CT and Canandaigua, NY compare?

Canandaigua, NY has a modeled overall cost index 32.8% lower than Derby, CT. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Derby, CT, the model estimates $118,949 in Canandaigua, NY. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Derby, CT and Canandaigua, NY?

The modeled two-bedroom rents are $1,710/month in Derby, CT and $1,805/month in Canandaigua, NY. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Connecticut and New York on TaxTakeHome.com