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Cost of Living Comparison 2026

๐Ÿ“ Derby, KS โ€” ZIP-level rent data ยท COL adjusted from Wichita, KS area

$

Numbers update automatically as you type

You'd spend $2.0K/month more in Austin, TX

$150.0K in your current city equals $174.5K in Austin, TX

Rent data from HUD ZIP-level estimates ยท COL index from Wichita, KS area
Overall Cost
โ†‘ 27.3%
More expensive
Monthly Impact
$2,045
Extra cost
Annual Impact
$24.5K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Derby, KS

Population:26K
Cost Index:100
Median Home:$274K

Austin, TX

Population:979K
Cost Index:127
Median Home:$558K

Derby, KS

The Sunflower State

26K
Population
State Tax
Yes

Located in Kansas, this city has a population of 26K residents.

Austin, TX

The Lone Star State

979K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • โ€ขLive music capital
  • โ€ขMajor tech hub
  • โ€ขSXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Derby, KS vs Austin, TX

๐Ÿ Housing
โ†‘ 84.6%
Derby, KS
$1,563
Austin, TX
$2,885
Difference
$1,322
more
๐Ÿ“ฆOther
โ†‘ 12.8%
Derby, KS
$1,544
Austin, TX
$1,741
Difference
$197
more
๐Ÿš—Transportation
โ†‘ 13.5%
Derby, KS
$1,131
Austin, TX
$1,284
Difference
$153
more
๐Ÿ›’Groceries
โ†‘ 11.2%
Derby, KS
$863
Austin, TX
$959
Difference
$96.56
more
๐ŸฅHealthcare
โ†‘ 4.2%
Derby, KS
$565
Austin, TX
$589
Difference
$23.62
more
โšกAll Utilities
โ†‘ 4.1%
Derby, KS
$519
Austin, TX
$541
Difference
$21.49
more

๐Ÿ Rent Comparison

Studio
From$704
To$1,585
โ†‘ $881
1 Bed
From$760
To$1,685
โ†‘ $925
2 Bed
From$984
To$1,995
โ†‘ $1,011
3 Bed
From$1,296
To$2,525
โ†‘ $1,229
Derby, KSZIP-level data

1BR range: $950โ€“$950/mo

Austin, TXZIP-level data

1BR range: $1,490โ€“$2,350/mo

๐Ÿ’ก Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,185
Monthly in Derby, KS
$7,998
Monthly in Austin, TX
$1,814
Difference

Home Values

Derby
Austin
$274K
Median Value
$558K
โ†‘ +0.3%
YoY Change
โ†“ -5%
โ†‘ +33%
5-Year Change
โ†‘ +12.6%
$274K
Price Range
$272K - $1.26M

Homes in Austin are 104% more expensive than Derby

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $8.4K
Per year
Monthly Difference
$702
More take-home
Effective Rate Diff
5.6%
Rate difference

Derby, KS

Federal Income Tax
Effective: 18.9%
$25.5K
Kansas State Tax
Effective: 5.6%
$8.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.3%
$45.4K
Take-Home Pay
$8,714/month
$104.6K

Austin, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Derby, KS Tax Rates

Sales Tax:8.7%
Property Tax:1.3%

Austin, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

๐Ÿ’ก 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
Austin
43 Good
Air Quality
52 Moderate
75.1%
Good Air Days
42.6%
97 High
Climate Risk
98 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+2.5ยฐF
61 days
Heat Days >95ยฐF
98 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+2.5ยฐF
61 days
Heat Days >95ยฐF
98 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Kansas and Texas on TaxTakeHome.com

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