Townleap

Cost of Living: New York vs Amsterdam (2026)

United States vs Netherlands — relocation comparison

Your passport:
New York
Amsterdam
$4,281/mo
Rent

1BR centre

$2,602/mo
$40k/yr
Take-home savings

At each city's local median pay

$15k/yr
10 yr
PR path
5 yr
Tax breaks

Open incentive regimes for newcomers

30% Ruling (expatriateregeling)
Freelance setup
Self-employed / Sole Proprietor
  • No VAT exemption
  • 15.3% social
  • €1000/yr accountant
WiseStripe
ZZP'er
  • VAT-free under €20k
  • 5.3% social
  • €1200/yr accountant
WiseStripe

Sourced from Numbeo · Updated April 2026

TL;DRAmsterdam is 39% cheaper on rent ($2,602/mo vs $4,281/mo). Netherlands gets you to permanent residency 5 years faster (5 vs 10 years). Both are solid options for settling down — the spreadsheet won't save you from this one.
Amsterdam scores 69 to New York's 56 on livability — the gap is real. New York has its charms, but the numbers favor Amsterdam.
How the livability score breaks down
New York
Amsterdam
0/25
💰 Affordability
3.8/25
11.1/15
🔒 Violent Crime
14.3/15
4.9/10
🛡️ Perceived Safety
7.4/10
12.1/15
Internet
9.2/15
11.8/15
🗳️ Democracy
13.5/15
10/10
🗣️ English
9.1/10
8.7/10
☀️ Climate
7.7/10
7.1/10
📊 Stability
6.7/10
3.4/10
🚗 Road Safety
9.8/10
4.2/10
🕊️ Geopolitical Safety
8/10
Household
New York
Metric
Amsterdam
$997/mo
🛒
Living costs (no rent)
lower is better
$937/mo
$13,582
🧳
Cost to land
lower is better
$10,705
58 / 100
🛡️
Settler safety
higher is better
89 / 100
3.9 / 100k
🔒
Homicides
lower is better
0.7 / 100k
14.2 / 100k
🚗
Road deaths
lower is better
3.4 / 100k
49 / 100
🚨
Safety Index
higher is better
74 / 100
82°F
☀️
Summer high
personal taste
68°F
30°F
❄️
Winter low
personal taste
34°F
162 Mbps
Internet speed
higher is better
122 Mbps
13.2 μg/m³
🌬️
Air quality (PM2.5)
lower is better
11.2 μg/m³
79 / 100
🏥
Healthcare
higher is better
86 / 100
7.8 / 10
🗳️
Democracy
higher is better
9.0 / 10
8.0 / 9
🤝
Migrant acceptance
higher is better
7.5 / 9
67 / 100
🏳️‍🌈
Rainbow Index
higher is better
59 / 100
100/100
🗣️
Street English
higher is better
76/100
$86k
💼
GDP per capita (PPP)
higher is better
$86k
2.9% · Boringly steady
📈
Inflation
lower is better
3.3% · Boringly steady
83/100 — Mostly stable
Grid reliability
higher is better
94/100 — Reliable
80/100
🗽
Freedom House
higher is better
97/100
A median Software Engineer in New York takes home $10,945/mo under Standard employee. In Amsterdam: $6,417/mo under Standard employee.
$4,528/mo more in New York
🎯 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.
$191k
💰
Gross income
$128k
−$45k
🏛️
Income tax
Standard employee
−$39k
−$14k
🛡️
Social contributions
−$12k
$131k/yr
$11k/mo
💵
Take-home pay
$77k/yr
$6k/mo
−$91k
🏠
Cost of living
−$62k
$40k/yr
🐖
Annual savings
$15k/yr
Swap the local medians for your actual number

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

💰
Cost of Living
Amsterdam
$1,678/mo cheaper on rent alone
🔒
Safety
Amsterdam
0.7 homicides per 100k
🗳️
Democracy
Amsterdam
9.0/10 EIU index
☀️
Weather
82°F vs 68°F summers
📋
Residency
Amsterdam
PR in 5 years

Sun

How much sky you actually get

54% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
44% clear
Win
Spr
Sum
Fall
9.3h
Shortest day
Dec
7.7h
15.1h
Longest day
Jun
16.8h

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
stable
improving
Inflation trend
improving
financemediatechfashion
Industries
fintechlogisticssemiconductorsagri-food-tech
hub
Startup ecosystem
hub
Easy
🇺🇸 Your visa
Moderate
Moderate
EU visa
Easy
Suspended
RU visa
Complex
Moderate
UA visa
Easy
⚠️ Partner work rights are very limited
Spouse works
Partner can work immediately
Not recognized
Partner pathway
Recognized
geregistreerd partnerschap / samenwonend

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
24 wk

Statutory 24-week-or-viability standard.

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

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
Yes
Hate crime law
Yes

New York vs Amsterdam — Common Questions

Is New York cheaper than Amsterdam?

Amsterdam is cheaper. A 1-bedroom apartment in city centre costs around $2602/month there vs $4281/month in the other city (Numbeo data).

Which is safer, New York or Amsterdam?

Amsterdam is statistically safer based on UNODC homicide data. New York has a rate of 3.90 per 100,000 and Amsterdam has 0.73 per 100,000.

Should I move to New York or Amsterdam?

Amsterdam scores 69 to New York's 56 on livability — the gap is real. New York has its charms, but the numbers favor Amsterdam. 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 New York or Amsterdam?

New York: US Employment-Based Green Card (complex process, Permanent residence). Amsterdam: Netherlands Highly Skilled Migrant (complex process, Up to 5 years). See each city's profile page for full requirements.

Which has better weather, New York or Amsterdam?

New York 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.

Can I live in New York or Amsterdam without speaking the local language?

New York is easier for street-level English (100/100) than Amsterdam (76/100). That's the score that matters for doctors, landlords, and bureaucracy. Office English can still run higher than street English in both cities.

What's the cost of rent in New York vs Amsterdam?

A 1-bedroom in the centre: $2602/month in Amsterdam, $4281/month in New York (Numbeo). That's 39% cheaper rent in Amsterdam.

Is New York or Amsterdam better for democracy and rule of law?

Amsterdam scores 9.0/10 on the EIU Democracy Index vs 7.8/10 for New York. That puts it in 'full democracy' territory — free press, independent courts, the works.

Is healthcare better in New York or Amsterdam?

Amsterdam scores higher on our composite healthcare index (86/100 vs 79/100 for New York). That score combines clinical outcomes (IHME), universal coverage (WHO), and resident perception (Numbeo) — not just whether hospitals exist but whether the system actually works for settlers.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

Let the algorithm judge you

2 min quiz — surprisingly accurate

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