Derby, Kansas.
Typical home $284,931 (+2.6% in a year), asking rent $1,497 (+2.2%). Wichita, KS metro.
to buy the typical home at today's mortgage rate — +$771 (+106%) since Jan 2020.
- 1 year
- Up $7,341 +3%
- $277,590$284,931 since Sep 2025
- 5 years
- Up $55,009 +24%
- $229,922$284,931 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$1,496
- Kansas$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Derby, KS rose 2.6% over the past year — faster than the nation's +1.2%.
Asking rents in Derby, KS rose 2.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Derby runs $591/mo more than renting one. The gap peaked at $708 in Oct 2023.
That is $2,088 a month against $1,497 rent: a $1,496 mortgage payment, plus $287 property tax and $305 insurance & upkeep.
Owning vs renting — Derby
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,088
- Renting$1,497
- Mortgage only$1,496
Property tax · $287/mo 1.21% of value a year — the ACS 2020-2024 median bill over the median home value for Sedgwick County, KS
Insurance & upkeep · $305/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Derby, Sedgwick County, Kansas
Derby is a city of 25,625 people in Sedgwick County. Half its households earn more than $84,112 a year and half less, against $69,365 across Sedgwick County; 6% of its people live below the poverty line. 68% of its homes are lived in by their owners and 32% are rented. Unemployment in Derby was 4.3% in August 2026, and Sedgwick County had 0.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 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 city just south of Wichita, in Sedgwick County. Households here earn more than the county as a whole, and fewer people live below the poverty line than you might expect for a place this size. Most homes are lived in by their owners, and a good share of adults hold a four-year degree. Winters are cold, with only light snowfall, and summers are hot.
Work. Many residents work in schools, hospitals and social care, with manufacturing, retail, and professional and business services also employing a good number. Derby Schools, Rock Regional Hospital and Walmart are among the largest workplaces in town. Most people reach work with a commute of a fairly ordinary length, and only a small group work from home.
Things to do. A short drive away, Joyland Amusement Park offers rides and games, and the Kansas Aviation Museum is a good stop for anyone interested in flight. Equity Bank Park is also a short drive off for ballgames. For a longer outing, the Sedgwick County Zoo is a longer drive away.
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- 10,447households
- 38%of adults have a degree
- 6%below the poverty line
- 23 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Sedgwick County had 265,869 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 21°; warmest in July, with highs near 92° and lows near 69°. About 8 inches of snow and 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Haysville 3SE weather station, 4 miles away (NOAA).
Largest workplaces in Derby
- Derby SchoolsSchool district909FTE
- WalmartWarehouse clubs and supercenters308
- Dillon StoresWarehouse clubs and supercenters216
- Derby Health & RehabSkilled nursing facilities148
- Rock Regional HospitalGeneral hospital144FTE
- TargetDiscount department stores135
- WalmartSupermarkets and other grocery stores97
- Oxford Derby Memory CareAssisted-living facilities with on-site nursing facilities61
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 15 workplaces with 20 or more staff, 1,247 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Ice stormsRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- HailRelatively moderate
- Heat wavesrelatively high in parts of DerbyRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Derby’s census tracts, against the rest of the country; all of them together, relatively 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 Sedgwick County and the Wichita, KS metro.
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$284,931
- Kansas$246,055
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Derby listings, and the typical home goes pending in 22 days — the market is cooling.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Derby27.81%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Derby22
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Derby133
New listings per month
Sellers arriving at the market.
- Derby53
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Derby$296,287
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Derby99.34%
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.
Zip codes in Derby
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 67037 | Derby | 30,278 | $1,497 | $285,468 |
| 67232 | Wichita | 607 | — | $444,675 |