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City · 8,453 residents · Adams County, Colorado

Derby , Colorado

In Derby, a typical home is worth $353,000 and typical rent is $1,689 a month. Compared with all of Adams County, the typical home value is 27% lower and typical household income is 13% lower.

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  • Typical home value

    $353,000

    27% below the county

    35% below Colorado

    • Derby
    • Adams
    • Colorado

  • Typical rent

    $1,689a month

    5% below the county

    4% below Colorado

    • Derby
    • Adams
    • Colorado

  • Typical household income

    $82,138a year

    13% below the county

    14% below Colorado

    • Derby
    • Adams
    • Colorado

  • Households that own their home

    71%

    2 points above the county

    5 points above Colorado

    • Derby
    • Adams
    • Colorado

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$359,474
3.1% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Derby is in Adams County. The FHA loan limit ($862,500 for a one-unit home), the fair market rents and the help on this page are those of all of Adams County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Derby apart

What this place has that others do not, from public data, most unusual first.

  1. Derby has the 2nd smallest share of rent-burdened renters of the 94 cities in Colorado with more than 5,000 people (33%).

  2. Nearby, in Federal Heights, the typical home value is $95,300: 73% less than in Derby ($353,000).

  3. The typical home in Derby is worth $353,000, 27% less than in Adams County as a whole ($484,200).

  4. 11% of households in Derby have no internet at home (5% in Adams County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Derby

What homes there are in Derby, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Derby: 81% of homes, more than in Adams County (62%).

There are more mobile homes here than in Adams County: 12% of homes, against 5%.

Year built

The typical home in Derby was built in 1959, 32 years before the typical one in Adams County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,068 a month

Adams County: $2,378 a month

Without a mortgage

$517 a month

Adams County: $682 a month

Owners with a mortgage

56%

Adams County: 72%

In Derby, 56% of owners have a mortgage, and their typical cost is $2,068 a month, against $2,378 in Adams County. Without one it drops to $517.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Derby rose 88% since 2015–2019, more than in Adams County (57%).

Rents in Derby rose faster than in Adams County: 38% since 2015–2019, against 32%.

While home values in Derby changed +88% and rent +38%, the typical household income rose 56%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDerbyAdams CountyColoradoUnited States
Rental vacancy Unreliable estimate3.5%5.1%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate4.2%2.4%3.4%
People per household 3.392.792.422.53
Drive alone 77%70%65%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimate2%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 8%15%21%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Derby has 3.39 people, more than in Adams County (2.79).

In Derby, 77% of workers drive alone to work; in Adams County, 70%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Derby?

A typical home costs more than the typical income allows

We start with a typical home in Derby, worth $353,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Derby, which is $82,138 a year. For that payment to be 28% of income, a household would need to earn about $119,676 a year.

The calculator's FHA and conventional loan limits are those of all of Adams County.

Your numbers

Local data
$

Starts at the typical home value in Derby. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,355 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,792

at 7.18% · 30 years

Loan amount
$346,606
Total interest
$498,685
Paid off in
November 2056

Includes $5,961 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,917 a month

  • Tight

    $1,917 to $2,464 a month

  • Hard

    more than $2,464 a month

    Your payment · 41%

Compared with the typical household income in Derby ($82,138 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,792
Principal & interest$2,348
Property tax$141
Home insurance$147
FHA mortgage insurance (MIP)$156

You need at least $12,355 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Derby and Adams County

Derby is in Adams County, Colorado. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Derby's own numbers

Typical home value
$353,000
Typical monthly rent
$1,689
Typical yearly household income
$82,138
Households that own their home
71%
Effective property tax rate
0.48%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Adams County

FHA limit, one-unit home
$862,500
Conventional limit, one unit
$862,500
HUD fair market rent, 2 bedrooms
$2,169
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
0.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Adams County.

Everything about Adams County

Buying

Buying a home in Derby

A typical home in Derby is worth $353,000: 27% below the county and 35% below Colorado. With the typical household income in Derby ($82,138 a year), a typical home costs 4.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Derby 4.3 years
  • Adams 5.1 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Adams County

According to FHFA’s house price index, home prices in Adams County rose 101% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Adams County.

Period County Colorado U.S.
Last year (2025) −1.1% +0.1% +2.9%
5 years (2020–2025) +35% +38% +47%
10 years (2015–2025) +101% +93% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Derby next to Adams County, Colorado and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Derby $353,000
  • Adams $484,200
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Derby $1,689
  • Adams $1,781
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Derby $82,138
  • Adams $94,571
  • Colorado $95,470
  • United States $80,734
See the full table
Derby next to Adams County and Colorado
Measure Derby Adams County Colorado U.S.
Typical home value $353,000 $484,200 $539,400 $332,700
Typical monthly rent $1,689 $1,781 $1,761 $1,413
Typical yearly household income $82,138 $94,571 $95,470 $80,734
Households that own their home 71% 69% 66% 65%
Typical yearly property tax $1,699 $2,962 $2,602 $3,119
Effective property tax rate 0.48% 0.61% 0.48% 0.94%
Renters with high rent for their income 33% 57% 53% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Adams County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Derby

For a typical $353,000 home in Derby, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Derby's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,792a month

    Least cash to close
    Down payment
    $12,355
    Cash to close
    $22,945
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $156

  • Conventional, 5% down $2,728a month

    Down payment
    $17,650
    Cash to close
    $28,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $168

  • Conventional, 20% down, no PMI $2,201a month

    Down payment
    $70,600
    Cash to close
    $81,190
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,528a month

    Down payment
    $52,950
    Cash to close
    $63,540
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Derby and for Adams County.

Property tax

Effective rate in Derby

0.48%of the home’s value each year

$1,699 a year for the typical owner in Derby.

  • Derby 0.48%
  • Adams 0.61%
  • Colorado 0.48%

What Colorado publishes Senior homestead exemption (owners 65 and older) (Colorado General Assembly (Colorado Revised Statutes 2024, Title 39))

Exemptions and deadlines in Colorado

Flood risk in Adams County

FEMA does not publish these numbers by city: they are for all of Adams County.

Homes in the high-risk zone
0.3%
478
Of those, with NFIP insurance
21%
County Colorado U.S.
Homes in the high-risk zone 0.3% 1.1% 3.5%
Of those, with NFIP insurance 21% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Derby

Typical rent in Derby is $1,689 a month: 5% below the county. In Derby, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Adams County, by unit size. To pay the 2-bedroom one ($2,169 a month) without spending more than 30% of your income, you would need to earn $41.71 an hour working full time.

HUD fair market rent for all of Adams County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,751 $33.67 $70,040
1 bedroom $1,831 $35.21 $73,240
2 bedrooms $2,169 $41.71 $86,760
3 bedrooms $2,846 $54.73 $113,840
4 bedrooms $3,183 $61.21 $127,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Derby

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Derby has 2 ZIP codes with their own.

For 2 bedrooms it is $1,890 in all of them.

None is above the fair market rent for Adams County ($2,169).

  • 80022 $1,890$2,480
  • 80024 $1,890$2,480

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Derby when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Derby

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Adams County; 1 says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Derby

No down payment, repair or rent-help program on our list is for Derby or Adams County. The ones below are statewide in Colorado: they work in Derby the same as in the rest of the state.

Which programs do I qualify for? All programs in Colorado

  • CHFA Down Payment Assistance

    Statewide in Colorado

    Colorado state agency help with the down payment or closing costs: a grant of up to 3% of the mortgage or a deferred second mortgage of up to 4%, both capped at $25,000. Offered by Colorado Housing and Finance Authority (CHFA).

    GrantDeferred

    See the program Official page

  • CHFA FirstGeneration

    Statewide in Colorado

    Open, per the source

    $25,000 from the Colorado state agency for the down payment of first-generation buyers (neither you nor your parents have owned a home); repaid when you sell, refinance or pay off the mortgage. Offered by Colorado Housing and Finance Authority (CHFA).

    Deferred

    See the program Official page

Housing counselors near Derby

The HUD-approved agencies closest to the center of Derby, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Operation Hope-Commerce City Co

    6565 E 73rd Ave, Commerce City · 1 miles away

    • Homelessness services
    • Pre-purchase counseling
    • and 1 more
    (571) 544-2282

  • Community Resources and Housing Development Corporation

    7305 Lowell Blvd Unit 200, Westminster · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (303) 428-1448

  • Colorado Housing and Finance Authority

    1981 Blake St., Denver · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 877-2432

Every agency in Adams County All counseling agencies in Colorado

Help in Spanish near Derby

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Derby

HUD’s record names them for Derby or Adams County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Adams County Housing Authority Public housing and Section 8 vouchers (303) 227-2075

One other authority has an office in Adams County: see the list Source: HUD

Cities

Other cities in Adams County

These cities are also in Adams County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Adams County Housing in Colorado

Nearby cities

The cities closest to Derby, with the typical home value.

Neighboring counties

If Adams County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Derby.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Derby

Short answers with the numbers for Derby and all of Adams County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Derby?

The typical home value in Derby is $353,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adams County it is $484,200.

How much does it cost to rent in Derby?

Typical rent in Derby is $1,689 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Adams County is $2,169.

What is the FHA loan limit in Derby?

Derby uses the FHA limit for all of Adams County (2026): $862,500 for a one-unit home and $1,658,700 for a four-unit home.

How much property tax do owners pay in Derby?

The typical homeowner in Derby pays $1,699 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Adams County, the rate is 0.61%.

Where can I find free help to buy or rent in Derby?

There are 2 HUD-approved counseling agencies with an office in Adams County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).