Cost of Living: Amsterdam vs Lagos (2026)

Netherlands vs Portugal — relocation comparison

Your passport:

Livability Score

Amsterdam

Lagos

$2,602/mo

Rent

1BR centre

$1,233/mo

$15k/yr

Take-home savings

At each city's local median pay

−$3k/yr

5 yr

PR path

5 yr

30% Ruling (expatriateregeling)

Tax breaks

Open incentive regimes for newcomers

—

Freelance setup

ZZP'er

VAT-free under €20k
5.3% social
€1200/yr accountant

WiseStripe

Trabalhador Independente

VAT-free under €15k
21.4% social
€900/yr accountant

WiseStripe

Sourced from Numbeo · Updated May 2026

TL;DRLagos is 53% cheaper on rent ($1,233/mo vs $2,602/mo). Lagos summers average 82°F vs 68°F. Both countries will let you complain about the government in public — and mean it.

Lagos edges ahead 74 to 69. Amsterdam isn't far behind — it depends what matters to you.

How the livability score breaks down

Amsterdam

Lagos

3.8/25

💰 Affordability

17/25

14.3/15

🔒 Violent Crime

14.3/15

7.4/10

🛡️ Perceived Safety

6.1/10

9.2/15

⚡ Internet

6.3/15

13.5/15

🗳️ Democracy

12.1/15

9.1/10

🗣️ English

8.7/10

7.7/10

☀️ Climate

8.3/10

6.7/10

📊 Stability

7.6/10

9.8/10

🚗 Road Safety

7.5/10

8/10

🕊️ Geopolitical Safety

8.5/10

Verdict delivered. Your move.

The winner's file

🇵🇹 Lagos

Full profile. Verify before you pack.

Due diligence

🇳🇱 Amsterdam

Every verdict deserves an appeal.

Plot twist

Amsterdam vs Rotterdam

Someone else's dilemma, equally unsolvable.

Household

Amsterdam

Metric

Lagos

$937/mo

🛒

Living costs (no rent)

lower is better

$518/mo✓

$10,705

🧳

Cost to land

lower is better

$5,682✓

✓89 / 100

🛡️

Settler safety

higher is better

82 / 100

0.7 / 100k

🔒

Homicides

lower is better

0.7 / 100k

✓3.4 / 100k

🚗

Road deaths

lower is better

7.2 / 100k

✓74 / 100

🚨

Safety Index

higher is better

61 / 100

68°F

☀️

Summer high

personal taste

82°F

34°F

❄️

Winter low

personal taste

50°F

✓122 Mbps

⚡

Internet speed

higher is better

84 Mbps

11.2 μg/m³

🌬️

Air quality (PM2.5)

lower is better

—

86 / 100

🏥

Healthcare

higher is better

84 / 100

✓9.0 / 10

🗳️

Democracy

higher is better

8.1 / 10

✓7.5 / 9

🤝

Migrant acceptance

higher is better

6.7 / 9

59 / 100

🏳️‍🌈

Rainbow Index

higher is better

67 / 100✓

✓76/100

🗣️

Street English

higher is better

72/100

✓$86k

💼

GDP per capita (PPP)

higher is better

$52k

3.3% · Boringly steady

📈

Inflation

lower is better

2.4% · Boringly steady✓

94/100 — Reliable

⚡

Grid reliability

higher is better

—

97/100

🗽

Freedom House

higher is better

96/100

A median Software Engineer in Amsterdam takes home $6,417/mo under Standard employee. In Lagos: $2,624/mo under Standard employee.

$3,793/mo more in Amsterdam

🎯 Amsterdam's 30% Ruling (expatriateregeling) isn't modelled above — if you qualify, take-home would be $8,212/mo instead.

Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.

$128k

💰

Gross income

$50k

−$39k

🏛️

Income tax

Standard employee

−$13k

−$12k

🛡️

Social contributions

−$6k

✓$77k/yr

$6k/mo

💵

Take-home pay

$31k/yr

$3k/mo

−$62k

🏠

Cost of living

−$34k

✓$15k/yr

🐖

Annual savings

−$3k/yr

Swap the local medians for your actual number

Sources: Numbeo · UNODC · Ookla · WHO · EIU · Gallup · World Bank · Freedom House · Updated May 2026

💰

Cost of Living

Lagos

$1,370/mo cheaper on rent alone

🗳️

Democracy

Amsterdam

9.0/10 EIU index

☀️

Weather

—

68°F vs 82°F summers

🗣️

English

Amsterdam

higher proficiency score

Sun

How much sky you actually get

44% clear

Win

Spr

Sum

Fall

Sky clear

avg daytime

62% clear

Win

Spr

Sum

Fall

7.7h

Shortest day

Dec

9.7h

16.8h

Longest day

Jun

14.7h

Sun clocks out before 5pm in both cities come December. Plan accordingly.

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

stable →

Democracy trend

improving ↑

Inflation trend

declining ↓

fintechlogisticssemiconductorsagri-food-tech

Industries

—

hub

Startup ecosystem

—

Moderate

🇺🇸 Your visa

Moderate

Easy

EU visa

Easy

Complex

RU visa

Complex

Easy

UA visa

Moderate

✅ Partner can work immediately

Spouse works

—

Recognized

geregistreerd partnerschap / samenwonend

Partner pathway

Recognized (2+ yr)

união de facto

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

On request

Abortion access

On request

24 wk

Gestational limit

10 wk

On request up to 24 weeks. 5-day reflection period removed in 2023.

On request up to 10 weeks since 2007 referendum. Mandatory 3-day reflection period.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Legal

Marriage

Legal

Joint adoption

Adoption

Joint adoption

Yes

Job protection

Yes

Hate crime law

Yes

Amsterdam vs Lagos — Common Questions

Is Amsterdam cheaper than Lagos?▾

Lagos is cheaper. A 1-bedroom apartment in city centre costs around $1233/month there vs $2602/month in the other city (Numbeo data).

Which is safer, Amsterdam or Lagos?▾

Lagos is statistically safer based on UNODC homicide data. Amsterdam has a rate of 0.73 per 100,000 and Lagos has 0.72 per 100,000.

Should I move to Amsterdam or Lagos?▾

Lagos edges ahead 74 to 69. Amsterdam isn't far behind — it depends what matters to you. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Is it easier to get residency in Amsterdam or Lagos?▾

Amsterdam: Netherlands Highly Skilled Migrant (complex process, Up to 5 years). Lagos: no specific remote work visa. See each city's profile page for full requirements.

Which has better weather, Amsterdam or Lagos?▾

Lagos is warmer in summer (82°F vs 68°F). Amsterdam has milder summers, which suits those who prefer cooler weather. Climate preference is personal — use the weather section above to compare seasons.

What's the cost of rent in Amsterdam vs Lagos?▾

A 1-bedroom in the centre: $1233/month in Lagos, $2602/month in Amsterdam (Numbeo). That's 53% cheaper rent in Lagos.

Is Amsterdam or Lagos better for democracy and rule of law?▾

Amsterdam scores 9.0/10 on the EIU Democracy Index vs 8.1/10 for Lagos. That puts it in 'full democracy' territory — free press, independent courts, the works.