States › New York › Amsterdam

Is Amsterdam, NY expensive to live in?

OKRent takes 24 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,22130% lower than U.S. average
💵 Families earn per year (2026)$60,588about $5,049/month · 30% lower than U.S. average
🔑 House price$137,90059% lower than U.S. average

Rent is lower than in 74% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards.

How much money do I need?

To rent here comfortably, you should earn about $48,840 a year. That is $23 an hour at a full-time job.

Is rent cheaper than other New York cities?

Yes. Rent here is cheaper than in most of New York. It is number 41 of 343 cities from cheapest to most expensive.

Amsterdam
$1,221
Cohoes
$1,991
Lake Ronkonkoma
$2,880
Woodmere
$3,001
Scarsdale
$3,500+
Port Washington
$3,007
Wantagh
$2,505

How much do households earn in Amsterdam?

Under $25k
19.1%
$25k–50k
26.6%
$50k–100k
31.6%
$100k–150k
9.8%
$150k+
5.7%

Share of households by yearly income. 15.5% of households earn $100,000 or more.

Rent by apartment size in Amsterdam

SizeAmsterdamU.S. average
Studio$1,176$1,338
1 bedroom$834$1,324
2 bedrooms$1,110$1,509
3 bedrooms$1,216$1,698
4 bedrooms$1,229$2,098

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Amsterdam overall?

Everyday prices in New York overall are 8% above the U.S. average (index 107.9, U.S. = 100).

Housing
122
Goods (food, clothes…)
107
Utilities
134
Other services
104
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Amsterdam, so the New York figure is shown.

Taxes and bills in Amsterdam

🏛️ Property tax$4,369a year · 3.17% of home value · U.S. $3,119
⚡ Electric bill$173a month (typical) · U.S. $156

Life in Amsterdam

Commute to work20.7 minU.S.: 26.4 min
College degree22.5%U.S.: 35.7%
Own their home53%U.S.: 65.2%
Below poverty line20.2%U.S.: 12.5%
Unemployment6.7%U.S.: 5.2%

Is it cheaper to rent or buy in Amsterdam?

Buying is cheaper month to month: about $264 a month less than renting.

Renting
$1,221
Owning
$957

Owning assumes a typical $137,900 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $13,790 for the down payment.

Frequently asked questions

What is the average rent in Amsterdam, NY?

Renting in Amsterdam costs a median of about $1,221 a month in 2026, including utilities. The New York median is $2,177.

How much do I need to make to live in Amsterdam?

To keep rent under 30% of income, you need about $48,840 a year, or $23 an hour at a full-time job.

Is Amsterdam cheap or expensive?

Amsterdam is rated OK: rent takes 24.2% of the typical household income of $60,588. It ranks 41st cheapest of 343 New York cities we track.

How much are property taxes in Amsterdam?

The median homeowner in Amsterdam pays $4,369 a year in property taxes, about 3.17% of the median home value.

Is Amsterdam more expensive than the national average?

Overall prices in New York are 8% above the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Amsterdam?

The median home value in Amsterdam is $137,900, about 2.3 times the typical yearly household income.

18,166 people live in Amsterdam. Numbers are typical (middle) values.