Cost of Living in Amsterdam

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If you are moving to Amsterdam, Amsterdam's cost of living is high on a global scale. It is also notably higher than other Dutch cities. Ranking 30th out of 226 cities in the 2024 Mercer Cost of Living Survey, Amsterdam is undeniably expensive for locals and newcomers alike.

Although cheaper than cities such as London, UK and Copenhagen, Denmark, Amsterdam’s cost of living is comparable to that of other European capitals such as Vienna, Austria and Paris, France.

Cost of accommodation in Amsterdam

Accommodation is likely to take the biggest bite out of your budget in Amsterdam. That said, where in the city you choose to live will greatly impact costs. Renting in the city centre can be double or triple the price of outlying areas like Amsterdam-Noord or Watergraafsmeer, which also offer larger apartments or houses with outdoor areas and green spaces.

In the city centre, rental prices for a one-bedroom apartment range significantly higher than in areas like Amsterdam-Zuid or Bijlmer. These suburbs provide a mix of modern developments and residential charm while being easier on the wallet. Purchasing property reflects a similar pattern, with prices per square foot far higher in the centre.

High demand and limited supply can make finding housing competitive, so start your search early by engaging local agents or joining housing groups. Be prepared to negotiate strict regulations and high costs that are a hallmark of Amsterdam’s rental market.

Renting Accommodation and Utilities in Amsterdam
Best Places to Live in Amsterdam

Cost of transport in Amsterdam

Cycling is the cheapest and often the fastest way to navigate Amsterdam. Cycling not only saves money but also keeps you fit and is environmentally friendly. Rain and colder weather can make cycling less appealing, and Amsterdam’s public transport network offers an excellent alternative.

Trams, buses, and trains connect all corners of the city. Using an OV Chipkaart, a rechargeable travel card used across public transport, will reduce travel expenses. Major projects, such as extending the North-South Metro Line to Schiphol Airport, will further improve accessibility and convenience.

If you prefer convenience, ride-hailing services like Uber are available, although more expensive than public transport. Free ferry rides from Central Station to Amsterdam-Noord are another great option for budget-conscious travellers.

Getting Around in Amsterdam

Cost of groceries in Amsterdam

Groceries in Amsterdam may cost a little more than in other Dutch cities, but they’re noticeably easier on the wallet compared to London or Paris.

Striking the right balance between quality and cost is vital when filling your shopping basket in Amsterdam. Supermarkets like Lidl and Aldi are well-known for their affordability and stock a wide range of essentials. Vomar is another budget-friendly option with locations across the city.

Local markets such as Albert Cuyp Market in De Pijp and Dappermarkt in the east offer fresh, seasonal produce at competitive prices. Shopping seasonally can also help lower costs, with fruits like strawberries being more affordable in summer when they’re locally harvested.

For international foods, some supermarkets have dedicated sections, and there are speciality shops that cater for a broader range of culinary traditions.

Cost of entertainment and eating out in Amsterdam

Amsterdam is bursting with options to suit every budget, whether you're dining out or seeking entertainment. Food halls offer a variety of cuisines at accessible prices, while street food and casual dining options provide quality meals without breaking the bank.

For low-cost entertainment, you can explore free walking tours or enjoy the city’s public parks. Museums occasionally offer free entry days, and ferries from Central Station to the northern part of the city are always free, allowing you to take in the harbour views without spending a penny.

More elaborate outings, like fine dining or concert events, may come with a higher price tag, but they often deliver memorable experiences. Amsterdam’s cultural and culinary scenes provide countless ways to enjoy the city.

Lifestyle, Shopping, Activities and Attractions in Amsterdam

Cost of education and schools in Amsterdam

The government subsidises local Dutch schools, making them mostly free, apart from small yearly contributions towards school trips or activities. While most of these schools teach in Dutch, you can usually find a public school in Amsterdam that teaches an international curriculum. Bilingual public schools combine Dutch and English instruction, helping children settle into Dutch culture while maintaining English fluency.

On the other hand, international schools cater primarily for expats and provide globally recognised curricula such as the International Baccalaureate (IB). These schools are ideal for families with transient lifestyles, although they can be costly.

Schools and Education in Amsterdam
International Schools in Amsterdam

Cost of healthcare in Amsterdam

Healthcare in Amsterdam is of a high standard, but health insurance is mandatory for anyone living in the Netherlands. Regulated by the government, insurance premiums still vary depending on the coverage level you choose.

Expats often opt for additional international health insurance plans, which can cover treatments in other countries or even repatriation costs. Many healthcare providers in Amsterdam are proficient in English, making it easier for non-Dutch speakers to access medical services. General practitioners serve as the first point of contact for most healthcare needs, and referrals are required for specialist care.

EU residents can use their European Health Insurance Card (EHIC) for short-term treatments, such as urgent medical care during temporary stays. Long-term residents will need Dutch health insurance. While healthcare in the Netherlands is less expensive than in countries like the United States, it remains a significant cost to account for when moving to Amsterdam.

Healthcare and Hospitals in Amsterdam