Amsterdam, NY Cost Of Living

Demographics | Crime | Cost Of Living
Updated: 2025-10-24

Cost Of Living In Amsterdam, NY Summary

Cost of living in Amsterdam research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Amsterdam is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in New York, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

  • The cost of living index in Amsterdam is 91, with 100 being the average.

  • The cost of living index in Amsterdam is 0.9x lower than the national average.

  • Amsterdam ranks as the #43 cheapest in New York out of 341.

  • Amsterdam ranks as the #1,347 cheapest out of 6,489 in the US.

  • The median home value in Amsterdam is $231,680.

  • The median income in Amsterdam is $50,193.

Table Of Contents

  1. Summary
  2. National Comparison
  3. Housing Breakdown
  4. Detailed Pricing
  5. Nearby Comparisons
91
Amsterdam's Overall Cost Of Living
0.9x
Lower Than The National Average

What is the cost of living in Amsterdam, NY?

According to the most recent data on the cost of living, Amsterdam has an overall cost of living index of 91, which is 0.9x lower than the national index of 100.

Compared to New York, Amsterdam has a cost of living index that's 0.8x lower than New York's index of 119.

The standard of living in Amsterdam ranks as #43 most affordable out of the 341 places we measured in New York. By definition, that implies Amsterdam ranks as the #298 most expensive place in the Empire State.

For more reading on life in Amsterdam, check out:

43 out of 341
In New York
1,347 out of 6,489
In America

Amsterdam Cost Of Living Vs. New York

Six factors go into calculating the cost of living index in Amsterdam. Here is how it fairs on each of the criteria:

  • The Services index in Amsterdam is 107.

  • The Groceries index in Amsterdam is 102.

  • The Health index in Amsterdam is 95.

  • The Housing index in Amsterdam is 59.

  • The Transportation index in Amsterdam is 95.

  • The Utilities index in Amsterdam is 102.

Living Expense Amsterdam New York National Average
Overall 91 119 100
Services 107 110 100
Groceries 102 103 100
Health 95 101 100
Housing 59 145 100
Transportation 95 105 100
Utilities 102 99 100
For more reading on cost of living around New York, check out:
Amsterdam Cost of Living Vs. NY

Amsterdam, NY Housing Cost Breakdown

Housing swings affordability the most between places in New York, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2019-2023. The key points are:

  • The Median Home Value in Amsterdam is $231,680.

  • The Median Rent in Amsterdam is $955.

  • The Median Income in Amsterdam is $50,193.

  • The Home Value To Income in Amsterdam is 4.6x.

  • The Rent To Monthly Income in Amsterdam is 0.23x.

Statistic Amsterdam New York United States
Median Home Value $231,680 $508,764 $303,400
Median Rent $955 $1,576 $1,348
Median Income $50,193 $84,578 $78,538
Home Value To Income 4.6x 6.0x 3.9x
Rent To Monthly Income 0.23x 0.22x 0.21x
$231,680
Median Home Value
$955
Median Rent
$50,193
Median Income

Amsterdam, NY Costs By Category

Detailed Amsterdam Services Costs Vs. New York

Item Amsterdam New York
Shampoo $1.28 $1.28
Movie $13.08 $12.13
Bowling $15.96 $18
Haircut $28.28 $24.26
Beauty Salon $51.36 $45.56

Detailed Amsterdam Groceries Costs Vs. New York

Item Amsterdam New York
Ground Beef $6.06 $5.84
Fried Chicken $1.6 $1.57
Milk $4.85 $4.67
Potatoes $5.09 $4.93
Pizza $14.69 $12.09
Beer $10.9 $10.41
Toothpaste $3.74 $3.7

Detailed Amsterdam Health Costs Vs. New York

Item Amsterdam New York
Optometrist $132.47 $125.68
Doctor $111.33 $135.78
Dentist $111.69 $113.29

Detailed Amsterdam Transportation Costs Vs. New York

Item Amsterdam New York
Gasoline $3.55 $3.46
Tire Balancing $50.33 $59.92

Detailed Amsterdam Utilities Costs Vs. New York

Item Amsterdam New York
All Electricity $196.7 $193.99
Phone $195.71 $192.25

Amsterdam SnackAbility

6
/10
Overall SnackAbility
Jobs
5/10
Housing
5
Affordability
8
Diversity
8.5
Safety
7
Amenities
9
Education
5
Commute
8

Cost Of Living In Cities Around Amsterdam

The cost of living varies in the cities and towns around Amsterdam. Here's a quick look at the cost of living in the most populous nearby places:

  • Schenectady, NY has a cost of living index of 95, 1.0x Amsterdam.

  • Rotterdam, NY has a cost of living index of 102, 1.1x Amsterdam.

  • Niskayuna, NY has a cost of living index of 115, 1.3x Amsterdam.

City Population Cost Of Living Vs. Amsterdam
Schenectady, NY 68,521 95 1.0x
Rotterdam, NY 22,798 102 1.1x
Niskayuna, NY 20,774 115 1.3x
Gloversville, NY 15,010 89 1.0x
East Glenville, NY 11,399 107 1.2x
Johnstown, NY 8,153 92 1.0x
Scotia, NY 7,260 98 1.1x
Milton, PA 6,582 92 1.0x
Ballston Spa, NY 5,080 109 1.2x

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