Photo by julio angel berroa on Unsplash (https://unsplash.com/@nivad)
Derby, Connecticut Retirement Guide
established retirement community
63
Retirement Score
Derby, Connecticut at a Glance
- Median Home Price
- $220,600
- State Income Tax
- State income tax; Social Security and pension income have income-based exemptions/deductions.
- Avg January Low
- N/A
- Cost of Living Index
- 106.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 63 / 100
Retirement Data
Affordability
Cost of Living Index
106.4 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$220,600High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,301High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security and pension income have income-based exemptions/deductions.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
95.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
53.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
95.1 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
29.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
12,373High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
46.0High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
20.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$69,835High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
63.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
7.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
29.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
13.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
67.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
13.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
23.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Derby using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$478
Stress-case monthly carrying cost
$537
Median home price used: $220,600
Median rent reference: $1,301 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.