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Amsterdam, NY Cost Of Living

The latest cost of living statistics for Amsterdam. Includes statistics on rent, mortgages, healthcare, and other costs for Amsterdam compared to the state and national averages.

Chris Kolmar
Written by
HomeSnacks
Last updated
2026-06-20

Cost of living in Amsterdam, New York

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:

96 Cost of living index 1.0x lower vs US
#30 Cheapest in New York (of 336)
#1,959 Cheapest in the U.S. (of 6,489)
$235,742 Median home value
$1,006 Median rent
$56,178 Median income
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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 96, which is 1.0x 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 121.

The standard of living in Amsterdam ranks as #30 most affordable out of the 336 places we measured in New York. By definition, that implies Amsterdam ranks as the #306 most expensive place in the Empire State.

For more reading on life in Amsterdam, check out:

Amsterdam Cost Of Living Vs. New York

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

  • The Services index in Amsterdam is 105.

  • The Groceries index in Amsterdam is 112.

  • The Health index in Amsterdam is 59.

  • The Housing index in Amsterdam is 112.

  • The Transportation index in Amsterdam is 112.

  • The Utilities index in Amsterdam is 116.

Living Expense Amsterdam New York National Average
Overall 96 121 100
Services 105 105 100
Groceries 112 108 100
Health 59 143 100
Housing 112 112 100
Transportation 112 114 100
Utilities 116 111 100

Amsterdam Cost Of Living Compared To New York Averages

Services
Amsterdam 105
New York avg 105
Groceries
Amsterdam 112
New York avg 108
Health
Amsterdam 59
New York avg 143
Housing
Amsterdam 112
New York avg 112
Transportation
Amsterdam 112
New York avg 114
Utilities
Amsterdam 116
New York avg 111

Index where 100 = national average. Source: cost-of-living index 2026.

For more reading on cost of living around New York, check out:

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Source: Cost-of-living index 2026, normalized to US average = 100

Amsterdam, NY Housing Cost Breakdown

$235,742Median Home Value
$1,006Median Rent
$56,178Median Income

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 2020-2024. The key points are:

  • The Median Home Value in Amsterdam is $235,742.

  • The Median Rent in Amsterdam is $1,006.

  • The Median Income in Amsterdam is $56,178.

  • The Home Value To Income in Amsterdam is 4.2x.

  • The Rent To Monthly Income in Amsterdam is 0.21x.

Statistic Amsterdam New York United States
Median Home Value $235,742 $507,794 $332,700
Median Rent $1,006 $1,621 $1,413
Median Income $56,178 $85,974 $80,734
Home Value To Income 4.2x 5.9x 4.1x
Rent To Monthly Income 0.21x 0.23x 0.21x

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

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

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 97, 1.0x Amsterdam.

  • Rotterdam, NY has a cost of living index of 103, 1.1x Amsterdam.

  • Niskayuna, NY has a cost of living index of 124, 1.3x Amsterdam.

City Population Cost Of Living Vs. Amsterdam
Schenectady, NY 68,847 97 1.0x
Rotterdam, NY 22,695 103 1.1x
Niskayuna, NY 21,227 124 1.3x
Gloversville, NY 14,962 96 1.0x
East Glenville, NY 11,914 114 1.2x
Johnstown, NY 8,111 97 1.0x
Scotia, NY 7,264 103 1.1x
Milton, PA 6,534 91 0.9x
Ballston Spa, NY 5,027 115 1.2x
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