📊 Lifestyle Match
Visualizing the tradeoffs between Derry CDP and Phoenix
Head-to-Head Analysis
Derry CDP vs Phoenix
Detailed breakdown of cost of living, income potential, and lifestyle metrics.
📋 The Details
Line-by-line data comparison.
| Category / Metric | Derry CDP | Phoenix |
|---|---|---|
| Financial Overview | ||
| Median Income | $88,901 | $79,664 |
| Unemployment Rate | 3% | 4.1% |
| Housing Market | ||
| Median Home Price | $356,700 | $457,000 |
| Price per SqFt | $null | $278 |
| Monthly Rent (1BR) | $1,506 | $1,599 |
| Housing Cost Index | 148.2 | 124.3 |
| Cost of Living | ||
| Groceries Index | 104.7 | 98.4 |
| Gas Price (Gallon) | $3.40 | $3.40 |
| Safety & Lifestyle | ||
| Violent Crime (per 100k) | 146.4 | 691.8 |
| Bachelor's Degree+ | 34% | 33.5% |
| Air Quality (AQI) | 43 | 39 |
Expert Verdict
AI-generated analysis based on current data.
Alright, let's cut the fluff. You're trying to decide between the sprawling desert metropolis of Phoenix, Arizona and the quaint, historic community of Derry CDP, New Hampshire. This isn't just a choice between two cities; it's a choice between two vastly different lifestyles, economies, and futures.
As your relocation expert, I'm here to tell you that the data tells a story, but the vibe check tells you if you'll actually be happy. We're going to break this down dollar-by-dollar, degree-by-degree, and mile-by-mile. Grab your coffee, and let's settle this.
The Vibe Check: Desert Empire vs. New England Charm
Phoenix is the quintessential American boomtown. It’s a massive, sun-drenched sprawl where the mountains meet the desert. The vibe is fast-paced, diverse, and relentlessly optimistic. Think sunsets over the desert, world-class golf, a booming tech and healthcare scene, and a culture that’s a mix of cowboy heritage and modern luxury. It’s for the go-getter who wants space, sunshine, and a city that never stops growing.
Derry CDP is a snapshot of classic New England. It’s a small, tight-knit community (part of the larger Derry, NH area) where history is on every corner, and the seasons dictate your life. The vibe is quieter, more family-oriented, and deeply rooted in community. Think charming main streets, excellent public schools, and easy access to both Boston and the White Mountains. It’s for the person who values safety, seasons, and a slower, more deliberate pace.
Who is each city for?
- Phoenix is for the sun-worshipper, the career-driven professional, the retiree seeking warmth, and anyone who craves a big-city feel without the East Coast price tag.
- Derry CDP is for the family-focused, the four-season enthusiast, the commuter who values a manageable home base, and anyone who wants a classic American small-town experience with big-city access.
The Dollar Power: Where Does Your Paycheck Go Further?
This is where the rubber meets the road. Let's talk about purchasing power—how much bang you get for your buck.
First, the raw numbers. We're comparing Phoenix (a major metro) to Derry CDP (a smaller community). The median income in Derry is actually $88,901 compared to Phoenix's $79,664. That’s a significant $9,237 higher per year. But cost of living is the real equalizer.
Cost of Living Comparison Table
| Category | Phoenix, AZ | Derry CDP, NH | The Winner |
|---|---|---|---|
| Median Home Price | $457,000 | $356,700 | Derry CDP (by $100k+) |
| Median Rent (1BR) | $1,599 | $1,506 | Derry CDP (Slightly) |
| Housing Index | 124.3 | 148.2 | Phoenix (Lower = More Affordable) |
| Median Income | $79,664 | $88,901 | Derry CDP |
| Violent Crime (per 100k) | 691.8 | 146.4 | Derry CDP (Safer) |
Salary Wars & The Tax Factor:
Here’s the critical insight. While Derry has a higher median income, the Housing Index is a shocking 148.2. A score above 100 means it's more expensive than the national average, and 148.2 is significantly more expensive. Phoenix's 124.3 is high, but it's a major city with a massive economy. Derry's high index is fueled by its proximity to Boston, where salaries are sky-high, but so is the cost.
The State Tax Wild Card: New Hampshire has no state income tax on wages and salaries (though it has interest/dividend taxes). Arizona has a progressive income tax ranging from 2.5% to 4.5%. For a $100,000 earner in Phoenix, you're paying roughly $2,500 to $4,500 in state income tax. In Derry, that money stays in your pocket.
The Verdict: If you earn $100,000, your money will likely feel like it goes further in Phoenix. The lower housing index, combined with the lower (but not zero) tax burden, gives Phoenix an edge in pure purchasing power for housing. However, Derry’s higher median income and zero state income tax can offset costs if you’re already in a higher paying Boston-area job.
The Housing Market: Buy vs. Rent
Phoenix: The Seller's Market (But Cooling)
Phoenix has been a red-hot seller's market for years. With a population over 1.6 million, demand is fierce. The median home price of $457,000 is high for the region, but you get more square footage and modern amenities for the price. Rent is also steep at $1,599 for a 1-bedroom. The market is competitive, with multiple offers common, but recent interest rate hikes have cooled it slightly. If you're buying, you need to be prepared to move fast and potentially bid over asking.
Derry CDP: The Competitive Niche Market
Derry's market is a different beast. With a much smaller population of 21,668, inventory is limited. The median home price of $356,700 is deceptively affordable. That price often buys a historic colonial or a modest suburban home, but in a competitive, low-inventory market. Rent at $1,506 is slightly lower than Phoenix, but availability can be scarce. This is a classic "buyer's market" in the sense that sellers have leverage due to scarcity, not necessarily due to soaring prices.
The Bottom Line: If you want more house for your money and a wider variety of styles (from mid-century modern to new construction), Phoenix offers more options. If you value historic charm and a tight-knit community feel, Derry is your spot, but you'll pay a premium for that charm and fight for inventory.
The Dealbreakers: Quality of Life
Traffic & Commute
- Phoenix: The 101 and I-17 are legendary for congestion. Commutes can be long (45-90 minutes is common), and you are utterly dependent on a car. The sprawl is real. Public transit exists but is limited.
- Derry CDP: A commuter's dream for the Boston workforce. It's a ~45-minute drive to Boston without traffic, and the NH-101 is a direct shot. Local commutes are short. You still need a car, but distances are shorter.
Weather: The Ultimate Dealbreaker
- Phoenix:
- Pros: Over 300 days of sunshine, mild winters (average 55°F), no snow.
- Cons: Brutal, prolonged summers. Think 110°F+ for months. High AC bills, and the heat can be dangerous if you're unprepared. It's a dry heat, which some love, but it's still oppressive.
- Derry CDP:
- Pros: Four distinct, beautiful seasons. Spring blooms, vibrant autumns, cozy winters (average 48°F), and pleasant summers.
- Cons: Real winter. Snow, ice, and cold are a fact of life from November to March. You'll need a snow shovel, winter tires, and a high tolerance for gray skies. Heating costs are significant.
Crime & Safety
The data doesn't lie. Phoenix's violent crime rate is 691.8 per 100k, which is significantly higher than the national average. While much of this is concentrated in specific areas, it's a city-wide reality. Derry's rate is 146.4 per 100k, which is close to the national average and reflects its small-town feel. Derry is objectively, statistically safer.
The Final Verdict
This isn't about which city is "better," but which city is better for you.
🏆 Winner for Families: Derry CDP
Why? The combination of top-tier public schools, a violent crime rate 4.7x lower than Phoenix's, and a community-oriented environment makes Derry a safer, more stable bet for raising kids. The higher median income and zero state income tax help with college savings.
🏆 Winner for Singles/Young Pros: Phoenix
Why? The sheer scale of opportunity is unbeatable. A population of 1.65 million means a massive job market, endless networking, and a vibrant social/dating scene. The $457,000 median home price is attainable for dual-income professionals, and the "always-on" energy matches a young career trajectory.
🏆 Winner for Retirees: It Depends (But Leans Phoenix)
Why? If your priority is warmth and active living, Phoenix wins. The winters are mild, and there's a huge retiree community with endless golf, hiking, and activities. However, if you prioritize safety, walkability, and proximity to family in the Northeast, Derry CDP is a strong contender. The lower cost of living (relative to the Northeast) and safe, small-town feel are major draws.
Pros & Cons: At a Glance
Phoenix, AZ
- Pros:
- 300+ days of sunshine and mild winters.
- Massive, diverse job market (tech, healthcare, finance).
- More house for your money; newer construction.
- Vibrant food scene and endless entertainment.
- No state income tax on Social Security benefits.
- Cons:
- Extreme summer heat (110°F+).
- High violent crime rate (691.8/100k).
- Brutal traffic and urban sprawl.
- Water scarcity concerns long-term.
- High summer utility bills (AC).
Derry CDP, NH
- Pros:
- Extremely safe (low violent crime).
- Top-ranked public schools.
- Zero state income tax on wages.
- Four beautiful seasons and scenic beauty.
- Easy commute to Boston; small-town charm.
- Cons:
- High cost of living (Housing Index 148.2).
- Harsh, long winters with snow and cold.
- Limited job market locally (requires a commute).
- Very small population (fewer amenities).
- High property taxes (to fund schools).
The final word? Choose Phoenix for opportunity, sunshine, and scale. Choose Derry CDP for safety, schools, and New England charm. Your priority list will tell you the rest.