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City · 26,062 residents · Sedgwick County, Kansas

Derby , Kansas

In Derby, a typical home is worth $236,900 and typical rent is $1,136 a month. Compared with all of Sedgwick County, typical household income is 21% higher, the typical home value is 17% higher, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $236,900

    17% above the county

    9% above Kansas

    • Derby
    • Sedgwick
    • Kansas

  • Typical rent

    $1,136a month

    14% above the county

    7% above Kansas

    • Derby
    • Sedgwick
    • Kansas

  • Typical household income

    $84,112a year

    21% above the county

    13% above Kansas

    • Derby
    • Sedgwick
    • Kansas

  • Households that own their home

    69%

    5 points above the county

    1 points above Kansas

    • Derby
    • Sedgwick
    • Kansas

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

Market now, with Zillow data

Zillow data
Typical home value
$284,931
2.6% more than 12 months ago
Typical rent
$1,497 a month
2.2% more than 12 months ago

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

Derby is in Sedgwick County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Sedgwick 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. Nearby, in Haysville, the typical home value is $161,800: 32% less than in Derby ($236,900).

  2. The typical household income in Derby is $84,112, 21% more than in Sedgwick County as a whole ($69,365).

  3. The typical home in Derby is worth $236,900, 17% more than in Sedgwick County as a whole ($203,300).

  4. 69% of households in Derby own their home, against 63% in Sedgwick 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

Detached houses, standing on their own, make up 72% of homes here, against 69% in Sedgwick County.

Year built

The typical home in Derby was built in 1991, 13 years after the typical one in Sedgwick County.

Homes in Derby are bigger: 73% have 3 bedrooms or more; in Sedgwick County, 61%.

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

The FHA loan limit for Sedgwick County is $541,287, and about 96% of owner-occupied homes in Derby are worth less than that.

Monthly rent with utilities

With a mortgage

$1,789 a month

Sedgwick County: $1,564 a month

Without a mortgage

$708 a month

Sedgwick County: $612 a month

Owners with a mortgage

63%

Sedgwick County: 61%

Owning costs more in Derby: with a mortgage, the typical cost is $1,789 a month; in Sedgwick County, $1,564. Without one, $708.

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

Much as in Sedgwick County, the typical home value in Derby rose 43% since 2015–2019.

Much as in Sedgwick County, the typical rent in Derby rose 20% since 2015–2019.

Here income did not keep up with housing: it rose 15%, while home values changed +43% and rent +20%.

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

MeasureDerbySedgwick CountyKansasUnited States
Rental vacancy Unreliable estimate7.1%6.2%5.5%
Homeowner vacancy Unreliable estimate1.2%0.9%0.9%
More than one person per room Unreliable estimate2.4%2.1%3.4%
People per household 2.482.512.442.53
Drive alone 84%79%75%69%
Carpool 6%9%9%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 8%8%12%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

A household in Derby has 2.48 people on average, about the same as in Sedgwick County (2.51).

In Derby, 84% of workers drive alone to work; in Sedgwick County, 79%.

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 is tight for the typical income

We start with a typical home in Derby, worth $236,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Derby, which is $84,112 a year. For that payment to be 28% of income, a household would need to earn about $88,268 a year.

The calculator's FHA and conventional loan limits are those of all of Sedgwick 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 $8,292 (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

$2,060

at 7.18% · 30 years

Loan amount
$232,609
Total interest
$334,669
Paid off in
November 2056

Includes $4,001 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,963 a month

  • Tight

    $1,963 to $2,523 a month

    Your payment · 29%

  • Hard

    more than $2,523 a month

Compared with the typical household income in Derby ($84,112 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,060
Principal & interest$1,576
Property tax$280
Home insurance$99
FHA mortgage insurance (MIP)$105

You need at least $8,292 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 Sedgwick County

Derby is in Sedgwick County, Kansas. 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
$236,900
Typical monthly rent
$1,136
Typical yearly household income
$84,112
Households that own their home
69%
Effective property tax rate
1.42%

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

Numbers for all of Sedgwick County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,043
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.8%

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 Sedgwick County.

Everything about Sedgwick County

Buying

Buying a home in Derby

A typical home in Derby is worth $236,900: 17% above the county and 9% above Kansas. With the typical household income in Derby ($84,112 a year), a typical home costs 2.8 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 2.8 years
  • Sedgwick 2.9 years
  • Kansas 2.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sedgwick County

According to FHFA’s house price index, home prices in Sedgwick County rose 85% in the 10 years through 2025.

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

Period County Kansas U.S.
Last year (2025) +3.3% +4.1% +2.9%
5 years (2020–2025) +49% +49% +47%
10 years (2015–2025) +85% +84% +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 Sedgwick County, Kansas and the U.S.

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

Typical home value
  • Derby $236,900
  • Sedgwick $203,300
  • Kansas $217,200
  • United States $332,700
Typical monthly rent
  • Derby $1,136
  • Sedgwick $998
  • Kansas $1,060
  • United States $1,413
Typical yearly household income
  • Derby $84,112
  • Sedgwick $69,365
  • Kansas $74,275
  • United States $80,734
See the full table
Derby next to Sedgwick County and Kansas
Measure Derby Sedgwick County Kansas U.S.
Typical home value $236,900 $203,300 $217,200 $332,700
Typical monthly rent $1,136 $998 $1,060 $1,413
Typical yearly household income $84,112 $69,365 $74,275 $80,734
Households that own their home 69% 63% 67% 65%
Typical yearly property tax $3,358 $2,461 $2,798 $3,119
Effective property tax rate 1.42% 1.21% 1.29% 0.94%
Renters with high rent for their income 44% 44% 43% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sedgwick 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 $236,900 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 $2,060a month

    Least cash to close
    Down payment
    $8,292
    Cash to close
    $15,399
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $105

  • Conventional, 5% down $2,016a month

    Down payment
    $11,845
    Cash to close
    $18,952
    Rate
    7.18%
    Mortgage insurance
    PMI · $113

  • Conventional, 20% down, no PMI $1,663a month

    Down payment
    $47,380
    Cash to close
    $54,487
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,882a month

    Down payment
    $35,535
    Cash to close
    $42,642
    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 Sedgwick County.

Property tax

Effective rate in Derby

1.42%of the home’s value each year

$3,358 a year for the typical owner in Derby.

  • Derby 1.42%
  • Sedgwick 1.21%
  • Kansas 1.29%

What Kansas publishes Residential exemption from the statewide school levy (Kansas Office of Revisor of Statutes (Kansas Statutes Annotated))

Exemptions and deadlines in Kansas

Flood risk in Sedgwick County

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

Homes in the high-risk zone
1.8%
3,456
Of those, with NFIP insurance
16%
County Kansas U.S.
Homes in the high-risk zone 1.8% 2% 3.5%
Of those, with NFIP insurance 16% 15% 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 $1,136 a month: 14% above the county. In Derby, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sedgwick County, by unit size. To pay the 2-bedroom one ($1,043 a month) without spending more than 30% of your income, you would need to earn $20.06 an hour working full time.

HUD fair market rent for all of Sedgwick 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 $778 $14.96 $31,120
1 bedroom $823 $15.83 $32,920
2 bedrooms $1,043 $20.06 $41,720
3 bedrooms $1,382 $26.58 $55,280
4 bedrooms $1,712 $32.92 $68,480

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 is in ZIP code 67037.

For 2 bedrooms it is $1,170: $127 more than the fair market rent for Sedgwick County ($1,043).

  • 67037 $1,170$1,550

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?

Low-income apartments

Low-income apartments in Derby

HUD lists 6 buildings with rents for lower incomes in Derby. These are the largest.

  • Hearth Hollow Apts 200 S Woodlawn Blvd, Derby 67037 142 low-income homes · 1 bd: 70 · 2 bd: 72 · In service since 2001
  • Spring Creek Apts I 1804 E Osage Rd, Derby 67037 72 low-income homes · 2 bd: 56 · 3 bd: 16 · In service since 1991
  • Homestead Senior Residences Derby 2101 E Tall Tree Rd, Derby 67037 62 low-income homes · 1 bd: 14 · 2 bd: 48 · In service since 2019 · For older adults
  • Spring Creek Apts II 1804 E Osage Rd, Derby 67037 50 low-income homes · 1 bd: 10 · 2 bd: 34 · 3 bd: 6 · In service since 1992
  • Brookridge Plaza Apts 1259 N Buckner St, Derby 67037 46 homes, 45 low-income · In service since 2008 · For older adults (316) 788-2729

See all 113 buildings in Sedgwick County Source: HUD, Retrieved November 6, 2026

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 is 1 HUD-approved agency with an office in Sedgwick County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

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 Sedgwick County. The ones below are statewide in Kansas: they work in Derby the same as in the rest of the state.

Which programs do I qualify for? All programs in Kansas

  • First Time Homebuyer Program

    Statewide in Kansas

    Kansas state corporation 0% loan for 15% or 20% of the price for the down payment and closing costs, forgiven after 10 years in the home, for households with income up to 80% of the area median; not available in Johnson County or in Kansas City, Lawrence, Topeka and Wichita. Offered by Kansas Housing Resources Corporation (KHRC).

    Forgivable

    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.

  • Cambridge Credit Counseling Corporation - Wichita Branch

    727 N Waco Ave, Wichita · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (800) 757-1788

  • Catholic Charities of Southwest Kansas

    804 N 2nd Ave, Dodge City · 152 miles away · Spanish

    Also serves in Creole, French, and Swahili.

    • Budget and financial counseling
    • Home improvement and repairs
    • and 4 more
    (620) 227-1562

  • Community Housing of Wyandotte County, Inc.

    2 S 14th St, Kansas City · 177 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (913) 342-7580

Every agency in Sedgwick County All counseling agencies in Kansas

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

In HUD’s record, no housing authority with an office in Sedgwick County is named for Derby or Sedgwick County.

2 other authorities have an office in Sedgwick County: see the list Source: HUD

Cities

Other cities in Sedgwick County

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

Everything about Sedgwick County Housing in Kansas

Nearby cities

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

Neighboring counties

If Sedgwick 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 smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Derby

Short answers with the numbers for Derby and all of Sedgwick 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 $236,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sedgwick County it is $203,300.

How much does it cost to rent in Derby?

Typical rent in Derby is $1,136 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sedgwick County is $1,043.

What is the FHA loan limit in Derby?

Derby uses the FHA limit for all of Sedgwick County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Derby?

The typical homeowner in Derby pays $3,358 a year, according to the U.S. Census Bureau. That is 1.42% of the home’s value; in Sedgwick County, the rate is 1.21%.

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

There is 1 HUD-approved counseling agency with an office in Sedgwick County. 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).