Derbyshire: Property, Schools and Retirement Costs
Across the 27 Derbyshire locations we cover, the average property price is £250,111 and Band D council tax averages £2,435. Melbourne is the most expensive at £425,000, Shirebrook the least at £160,000.
The short answer
Across the 27 Derbyshire locations we cover, the average property price is £250,111 and Band D council tax averages £2,435. Melbourne is the most expensive at £425,000, Shirebrook the least at £160,000.
Buying a home in Derbyshire
The county average is £250,111. Across these locations 3 schools hold an Outstanding Ofsted rating and 41 schools are rated Good. School quality is the main reason prices differ between towns a few miles apart.
A 10% deposit on the county average is £25,011. Melbourne runs 70% above that average, so the same deposit reaches further in Shirebrook.
Average property price across Derbyshire
Later life and property wealth in Derbyshire
Owners aged 55 and over across Derbyshire sit on an average £250,111 of property value. Typical release at 65 is around £85,038, and interest compounds against the estate from day one.
Downsizing within the county is the alternative most people skip. It costs fees and stamp duty but carries no compounding interest. Both routes are compared in the town guides below.
Retirement costs across Derbyshire
Band D council tax averages £2,435 across these locations. That is £203 a month before anything else. Authorities set their own rate, so the bill can change with a short move.
Housing is the fixed line in any retirement budget. Each town guide converts the local figure into the pot needed to cover it at a 4% withdrawal rate.
Towns at a glance
| Town | Average price | Band D | Good or better schools | Guides |
|---|---|---|---|---|
| Melbourne | £425,000 | £2,363 | 3 | Mortgage, Equity release, Pensions |
| Bakewell | £400,000 | £2,438 | 1 | Mortgage, Equity release, Pensions |
| Ashbourne | £330,000 | £2,469 | 2 | Mortgage, Equity release, Pensions |
| Dronfield | £310,000 | £2,492 | 2 | Mortgage, Equity release, Pensions |
| Matlock | £310,000 | £2,470 | 1 | Mortgage, Equity release, Pensions |
| Glossop | £308,000 | £2,347 | 1 | Mortgage, Equity release, Pensions |
| Chapel-en-le-Frith | £294,000 | £2,467 | 1 | Mortgage, Equity release, Pensions |
| Hilton | £290,000 | £2,361 | 4 | Mortgage, Equity release, Pensions |
| Belper | £285,000 | £2,437 | 1 | Mortgage, Equity release, Pensions |
| Wirksworth | £285,000 | £2,509 | 2 | Mortgage, Equity release, Pensions |
| Buxton | £276,000 | £2,347 | 1 | Mortgage, Equity release, Pensions |
| New Mills | £260,000 | £2,473 | 2 | Mortgage, Equity release, Pensions |
| Swadlincote | £250,000 | £2,307 | 1 | Mortgage, Equity release, Pensions |
| Chesterfield | £220,000 | £2,318 | 3 | Mortgage, Equity release, Pensions |
| Killamarsh | £220,000 | £2,503 | 1 | Mortgage, Equity release, Pensions |
| South Normanton | £220,000 | £2,468 | 1 | Mortgage, Equity release, Pensions |
| Ripley | £205,000 | £2,426 | 1 | Mortgage, Equity release, Pensions |
| Eckington | £200,000 | £2,459 | 2 | Mortgage, Equity release, Pensions |
| Heanor | £200,000 | £2,382 | 2 | Mortgage, Equity release, Pensions |
| Long Eaton | £200,000 | £2,336 | 1 | Mortgage, Equity release, Pensions |
| Clay Cross | £190,000 | £2,437 | 2 | Mortgage, Equity release, Pensions |
| Clowne | £190,000 | £2,528 | 2 | Mortgage, Equity release, Pensions |
| Alfreton | £185,000 | £2,427 | 1 | Mortgage, Equity release, Pensions |
| Ilkeston | £185,000 | £2,336 | 1 | Mortgage, Equity release, Pensions |
| Staveley | £180,000 | £2,445 | 2 | Mortgage, Equity release, Pensions |
| Bolsover | £175,000 | £2,499 | 2 | Mortgage, Equity release, Pensions |
| Shirebrook | £160,000 | £2,688 | 1 | Mortgage, Equity release, Pensions |
Compare towns directly
Side by side on price, deposit, schools and running costs.
Oundle or Melbourne: Which Is Better Value?Oundle against Melbourne.Rothley or Melbourne: Which Is Better Value?Rothley against Melbourne.Southwell or Melbourne: Which Is Better Value?Southwell against Melbourne.Melbourne or Kibworth: Which Is Better Value?Melbourne against Kibworth.Kibworth or Bakewell: Which Is Better Value?Kibworth against Bakewell.Bakewell or Keyworth: Which Is Better Value?Bakewell against Keyworth.
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Guides across Derbyshire
- Alfreton: School Catchments and House Prices in Alfreton, The Real Cost of Buying a First Home in Alfreton, Downsizing in Alfreton: What You Would Actually Release, Council Tax in Alfreton: What Band D Really Costs
- Ashbourne: School Catchments and House Prices in Ashbourne, The Real Cost of Buying a First Home in Ashbourne, Downsizing in Ashbourne: What You Would Actually Release, Council Tax in Ashbourne: What Band D Really Costs
- Bakewell: School Catchments and House Prices in Bakewell, The Real Cost of Buying a First Home in Bakewell, Downsizing in Bakewell: What You Would Actually Release, Council Tax in Bakewell: What Band D Really Costs
- Belper: School Catchments and House Prices in Belper, The Real Cost of Buying a First Home in Belper, Downsizing in Belper: What You Would Actually Release, Council Tax in Belper: What Band D Really Costs
- Bolsover: School Catchments and House Prices in Bolsover, The Real Cost of Buying a First Home in Bolsover, Downsizing in Bolsover: What You Would Actually Release, Council Tax in Bolsover: What Band D Really Costs
- Buxton: School Catchments and House Prices in Buxton, How Much Deposit Do You Need to Buy in Buxton?, The Real Cost of Buying a First Home in Buxton, What a Lifetime Mortgage Really Costs in Buxton, Downsizing in Buxton: What You Would Actually Release, Inheritance Tax on a Buxton Home, Council Tax in Buxton: What Band D Really Costs, Stamp Duty on a Buxton Home
- Chapel-en-le-Frith: School Catchments and House Prices in Chapel-en-le-Frith, How Much Deposit Do You Need to Buy in Chapel-en-le-Frith?, The Real Cost of Buying a First Home in Chapel-en-le-Frith, What a Lifetime Mortgage Really Costs in Chapel-en-le-Frith, Downsizing in Chapel-en-le-Frith: What You Would Actually Release, Inheritance Tax on a Chapel-en-le-Frith Home, Council Tax in Chapel-en-le-Frith: What Band D Really Costs, Stamp Duty on a Chapel-en-le-Frith Home
- Chesterfield: School Catchments and House Prices in Chesterfield, The Real Cost of Buying a First Home in Chesterfield, Downsizing in Chesterfield: What You Would Actually Release, Council Tax in Chesterfield: What Band D Really Costs
- Clay Cross: School Catchments and House Prices in Clay Cross, The Real Cost of Buying a First Home in Clay Cross, Downsizing in Clay Cross: What You Would Actually Release, Council Tax in Clay Cross: What Band D Really Costs
- Clowne: School Catchments and House Prices in Clowne, The Real Cost of Buying a First Home in Clowne, Downsizing in Clowne: What You Would Actually Release, Council Tax in Clowne: What Band D Really Costs
- Dronfield: School Catchments and House Prices in Dronfield, The Real Cost of Buying a First Home in Dronfield, Downsizing in Dronfield: What You Would Actually Release, Council Tax in Dronfield: What Band D Really Costs
- Eckington: School Catchments and House Prices in Eckington, The Real Cost of Buying a First Home in Eckington, Downsizing in Eckington: What You Would Actually Release, Council Tax in Eckington: What Band D Really Costs
- Glossop: School Catchments and House Prices in Glossop, How Much Deposit Do You Need to Buy in Glossop?, The Real Cost of Buying a First Home in Glossop, What a Lifetime Mortgage Really Costs in Glossop, Downsizing in Glossop: What You Would Actually Release, Inheritance Tax on a Glossop Home, Stamp Duty on a Glossop Home
- Heanor: School Catchments and House Prices in Heanor, The Real Cost of Buying a First Home in Heanor, Downsizing in Heanor: What You Would Actually Release, Council Tax in Heanor: What Band D Really Costs
- Hilton: School Catchments and House Prices in Hilton, The Real Cost of Buying a First Home in Hilton, Downsizing in Hilton: What You Would Actually Release, Council Tax in Hilton: What Band D Really Costs
- Ilkeston: School Catchments and House Prices in Ilkeston, The Real Cost of Buying a First Home in Ilkeston, Downsizing in Ilkeston: What You Would Actually Release, Council Tax in Ilkeston: What Band D Really Costs
- Killamarsh: School Catchments and House Prices in Killamarsh, The Real Cost of Buying a First Home in Killamarsh, Downsizing in Killamarsh: What You Would Actually Release, Council Tax in Killamarsh: What Band D Really Costs
- Long Eaton: School Catchments and House Prices in Long Eaton, The Real Cost of Buying a First Home in Long Eaton, Downsizing in Long Eaton: What You Would Actually Release
- Matlock: School Catchments and House Prices in Matlock, The Real Cost of Buying a First Home in Matlock, Downsizing in Matlock: What You Would Actually Release, Council Tax in Matlock: What Band D Really Costs
- Melbourne: School Catchments and House Prices in Melbourne, How Much Deposit Do You Need to Buy in Melbourne?, The Real Cost of Buying a First Home in Melbourne, Downsizing in Melbourne: What You Would Actually Release, Council Tax in Melbourne: What Band D Really Costs
- New Mills: School Catchments and House Prices in New Mills, The Real Cost of Buying a First Home in New Mills, Downsizing in New Mills: What You Would Actually Release, Council Tax in New Mills: What Band D Really Costs
- Ripley: School Catchments and House Prices in Ripley, The Real Cost of Buying a First Home in Ripley, Downsizing in Ripley: What You Would Actually Release, Council Tax in Ripley: What Band D Really Costs
- Shirebrook: School Catchments and House Prices in Shirebrook, The Real Cost of Buying a First Home in Shirebrook, Downsizing in Shirebrook: What You Would Actually Release, Council Tax in Shirebrook: What Band D Really Costs
- South Normanton: School Catchments and House Prices in South Normanton, The Real Cost of Buying a First Home in South Normanton, Downsizing in South Normanton: What You Would Actually Release, Council Tax in South Normanton: What Band D Really Costs
- Staveley: School Catchments and House Prices in Staveley, The Real Cost of Buying a First Home in Staveley, Downsizing in Staveley: What You Would Actually Release, Council Tax in Staveley: What Band D Really Costs
- Swadlincote: School Catchments and House Prices in Swadlincote, The Real Cost of Buying a First Home in Swadlincote, Downsizing in Swadlincote: What You Would Actually Release, Council Tax in Swadlincote: What Band D Really Costs
- Wirksworth: School Catchments and House Prices in Wirksworth, The Real Cost of Buying a First Home in Wirksworth, Downsizing in Wirksworth: What You Would Actually Release, Council Tax in Wirksworth: What Band D Really Costs
Check broadband before you make an offer in Derbyshire
Broadband speeds can vary street by street in Derbyshire, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.
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Questions people ask
Where are house prices highest in Derbyshire?
Of the locations covered here, Melbourne is highest at £425,000 and Shirebrook lowest at £160,000.
How much is council tax in Derbyshire?
Band D averages £2,435 a year across these locations. Each authority sets its own rate, so check the specific council before you budget.
Does That's Family Finance cover the whole of Derbyshire?
For mortgages, equity release and pensions we introduce you to a separately regulated partner firm.
How do I check broadband speed at a property in Derbyshire?
Use Ofcom's free broadband and mobile checker at checker.ofcom.org.uk. Enter the property's postcode and choose the address to see which broadband speeds and mobile coverage are available before you make an offer.
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