Derby, Indiana.
Typical home $224,087 (+6.4% in a year).
to buy the typical home at today's mortgage rate — +$684 (+139%) since Jan 2020.
- 1 year
- Up $13,399 +6%
- $210,688$224,087 since Sep 2025
- 5 years
- Up $55,384 +33%
- $168,703$224,087 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Derby$1,176
- Indiana$1,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Derby, IN rose 6.4% over the past year — faster than the nation's +1.2%.
Living in Derby, Perry County, Indiana
The Census does not count Derby on its own, so the figures here are Perry County's. Half the county's households earn more than $61,151 a year and half less; 15% of the county's people live below the poverty line. 76% of the county's homes are lived in by their owners and 24% are rented. Unemployment in Perry County was 3.3% in August 2026, and the county had 2.1% fewer jobs in 2025 than the year before. The most people in Perry County work in manufacturing, then schools and health care.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Derby is a small town in Perry County, in southern Indiana. Across the county, most homes are lived in by their owners, and residents tend to be middle-aged. Winters are cold with a fair amount of snow, summers are warm, and the area gets a good deal of rain over the year.
Work. Many residents work in manufacturing, in schools, hospitals and social care, in restaurants, hotels and entertainment, or in retail. Across Perry County, unemployment has eased over the past year, though the number of jobs has dipped slightly. Few people work from home, so most adults travel to a workplace each day.
Things to do. Oil Creek and the Rockhouse Cliffs Rockshelters, an archaeological site, are in or beside town. Wyandotte Caves, a tourist attraction, is a longer drive away.
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- 7,758households
- 41.9median age
- 17%of adults have a degree
- 15%below the poverty line
- 24 mintypical commute
- 6%work from home
What people in Perry County work in
Employed residents by industry, from the Census survey. Perry County had 6,307 jobs in 2025, 2.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 26°; warmest in July, with highs near 87° and lows near 69°. About 11 inches of snow and 49 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cannelton weather station, 12 miles away (NOAA).
Largest workplaces in Perry County
- Waupaca Foundry, Inc. Plant 5Iron foundries955
- WalmartWarehouse clubs and supercenters350
- Perry County HospitalCritical access hospital205FTE
- Tell City-Troy Twp School CorpSchool district177FTE
- Perry Central Com Schools CorpSchool district174FTE
- Lincoln Hills DevelopmentIndividual and family social services, multi-purpose130
- Trilogy Health ServicesNursing care facilities skilled nursing facilities118
- BrickyardNursing care facility87
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 12 workplaces with 20 or more staff, 1,911 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively moderate
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Perry County, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Perry County.
Derby home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Derby$224,087
- Indiana$257,165
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
Not enough data to draw this yet.
Zip codes with a Derby address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Derby — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.