Cost of Living in Amsterdam, NY
Population 18,162 · New York · Data vintage 2023
(100 = US avg)
Amsterdam sits on the smaller end of the New York city distribution. That scale shapes the housing market, the labor pool, and the services available to residents in ways the data below makes visible. At 6.7%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Geographically, Amsterdam is about 30 miles northwest of Albany, the nearest large metro. Median home values run roughly 46% lower than Albany's $223,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Amsterdam
The median home value in Amsterdam is $119,800 — 61% below the national median of $305,000. Median rent runs $955/month, 27% lower than the national median of $1,314/month. The median household income of $50,193/year is 33% lower than the US median of $74,580. The local unemployment rate is 6.7%, above the national average of 4.8%. New York's top state income tax rate is 10.9% and the combined sales tax is 8.5%. The climate averages highs of 59.4°F and lows of 39.4°F, with about 59.2" of annual snowfall. Overall, Amsterdam has a cost of living index of 53 versus the US average of 100, meaning it is 47% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 33 | 36 | 45 | 59 | 71 | 79 | 84 | 82 | 74 | 62 | 49 | 38 |
| Low °F | 16 | 18 | 26 | 37 | 48 | 57 | 62 | 61 | 53 | 41 | 32 | 23 |
| Precip" | 2.60 | 2.28 | 3.09 | 3.11 | 3.41 | 4.05 | 4.55 | 3.76 | 3.73 | 3.85 | 2.99 | 3.26 |
| Snow" | 15.6 | 13.7 | 12.0 | 1.6 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.3 | 2.6 | 13.3 |
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Amsterdam, NY?
Amsterdam has a cost index of 53 (100 = national average). It is 47% below the national average.
What is average rent in Amsterdam, NY?
The median gross rent in Amsterdam is $955 per month based on 2023 Census data.
What is the average home price in Amsterdam?
The median home value in Amsterdam is $119,800 according to Zillow and Census data.
What is the median income in Amsterdam?
The median household income in Amsterdam is $50,193 per year (2023 ACS 5-year estimates).
What is the sales tax in Amsterdam, NY?
The combined state and local sales tax rate in Amsterdam is 8.5%. The New York state income tax top rate is 10.9%.
Is Amsterdam, NY affordable?
Yes, Amsterdam is generally considered affordable, with a cost of living index of 53 — about 47% below the US national average of 100.
What is the weather like in Amsterdam?
Amsterdam has average high temperatures of 59.4°F and average lows of 39.4°F. Annual precipitation is 40.7". Average annual snowfall is 59.2". Data from NOAA 1991–2020 Climate Normals.
Amsterdam at a Glance
- Population
- 18,162
- Median Income
- $50,193
- Home Value
- $119,800
- Median Rent
- $955/mo
- Unemployment
- 6.7%
- Avg High Temp
- 59.4°F
- Sales Tax
- 8.5%
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