Cost of Living Comparison Between Amsterdam and Zutphen Cost of Living Comparison Between Amsterdam and Zutphen

Monthly Cost of Living

A single person spends $3,440 per month in Amsterdam vs $2,533 in Zutphen, rent included.

A couple spends around $4,964 per month in Amsterdam vs $3,671 in Zutphen, rent included.

A family of three spends $6,488 per month in Amsterdam vs $4,808 in Zutphen, rent included.

Amsterdam costs about 36% more than Zutphen, driven mainly by Groceries & Markets.

Both Amsterdam and Zutphen sit above the global median – Amsterdam by 150%, Zutphen by 84%.

Meal at Budget Restaurant

$23.03 €19.81

$20.58 €17.71

11.90%

Three-Course Dinner for Two, Mid-Range

$94.4 €81.2

$46.41 €39.94

103.32%

Fast Food Meal (McDonalds, etc)

$14.88 €12.80

$12.99 €11.17

14.55%

Cappuccino

$4.54 €3.91

$3.59 €3.09

26.46%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$4.02 €3.46

$1.79 €1.54

124.58%

Water (0.33 liter bottle)

$3.16 €2.72

$3.18 €2.74

-0.63%

Local Beer (0.5 liter draught)

$7.58 €6.52

$8.75 €7.53

-13.37%

Imported Beer (0.33 liter bottle)

$5.91 €5.09

$5.86 €5.04

0.85%

Milk (1 liter)

$1.53 €1.32

$1.36 €1.17

12.50%

White Bread (500g)

$2.47 €2.12

$2.37 €2.04

4.22%

Rice (white) (1kg)

$2.57 €2.21

$2.55 €2.19

0.78%

Eggs

$5.20 €4.48

$4.23 €3.64

22.93%

Local Cheese (1kg)

$17.46 €15.02

$13.09 €11.26

33.38%

Chicken Fillets (1kg)

$13.85 €11.91

$5.86 €5.04

136.35%

Beef Round Steak (1kg)

$21.63 €18.61

$13.78 €11.86

56.97%

Apples (1kg)

$3.04 €2.62

$2.80 €2.41

8.57%

Banana (1kg)

$2.98 €2.56

$2.63 €2.26

13.31%

Oranges (1kg)

$2.55 €2.19

$2.03 €1.75

25.62%

Tomato (1kg)

$4.22 €3.63

$4.47 €3.85

-5.59%

Potato (1kg)

$2.63 €2.26

$2.01 €1.73

30.85%

Onion (1kg)

$1.60 €1.37

$2.45 €2.11

-34.69%

Lettuce (1 head)

$1.52 €1.31

$1.35 €1.16

12.59%

Water (1.5 liter bottle)

$1.71 €1.47

$0.87 €0.75

96.55%

Cigarettes 20 Pack (Marlboro, Camel)

$14.80 €12.74

$14.69 €12.64

0.75%

Wine (Bottle)

$8.95 €7.70

$7.02 €6.04

27.49%

Local Beer (0.5 liter bottle)

$1.75 €1.50

$1.50 €1.29

16.67%

Imported Beer (0.33 liter bottle)

$2.58 €2.22

$2.71 €2.33

-4.80%

One-way Ticket (Public Transport)

$4.02 €3.46

$3.16 €2.72

27.22%

Public Transport Monthly Pass (Regular Price)

$118 €102

$102 €87.4

16.52%

Taxi Start (Normal Tariff)

$4.77 €4.11

$4.26 €3.66

11.97%

Taxi (Normal Tariff) (1km)

$3.41 €2.93

$3.47 €2.99

-1.73%

Taxi 1hour Waiting (Normal Tariff)

$39.61 €34.09

$28.84 €24.82

37.34%

Gasoline (1 liter)

$2.52 €2.17

$2.45 €2.11

2.86%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$43.1K €37.1K

$42.9K €36.9K

0.42%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$40.3K €34.7K

$41.1K €35.4K

-1.92%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$310 €266

$309 €266

0.30%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$23.16 €19.93

$17.67 €15.20

31.07%

Internet (50+ Mbps, Unlimited Data)

$54.4 €46.78

$51.3 €44.14

5.96%

Gym Membership (Monthly)

$63.6 €54.8

$42.95 €36.96

48.15%

Tennis Court (1 Hour on Weekend)

$35.79 €30.80

$24.92 €21.44

43.62%

Cinema Ticket

$17.41 €14.98

$16.23 €13.96

7.27%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$2,897 €2,492

$1,294 €1,114

123.80%

International Primary School, 1 Child (Yearly)

$17.7K €15.2K

$11.7K €10.0K

51.30%

Jeans (Levis 501 Or Similar)

$99.1 €85.3

$85.2 €73.3

16.30%

Summer Dress (H&M, Zara, etc)

$39.92 €34.35

$38.87 €33.44

2.70%

Sport Shoes (Adidas, Nike)

$101 €87.2

$116 €99.9

-12.70%

Men's Leather Business Shoes

$139 €119

$135 €116

2.68%

1-bedroom Apartment, City Center (Monthly)

$2,597 €2,235

$1,487 €1,279

74.69%

1-bedroom Apartment, Outside City Center (Monthly)

$1,916 €1,649

$1,203 €1,035

59.31%

3-bedroom Apartment, City Center (Monthly)

$3,970 €3,416

$2,468 €2,124

60.86%

3-bedroom Apartment, Outside City Center (Monthly)

$2,964 €2,551

$1,972 €1,697

50.31%

Buy Apartment in City Center (m2)

$10.9K €9,338

$6,061 €5,215

79.04%

Buy Apartment Outside City Center (m2)

$7,031 €6,050

$4,190 €3,606

67.79%

Average Monthly Net Salary (After Tax)

$4,619 €3,975

$6,369 €5,480

-27.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.36

4.42

-23.98%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Amsterdam: August 29, 2026

Last update for Zutphen: August 30, 2026

Cost Breakdown

A central one-bedroom costs $2,597 in Amsterdam versus $1,487 in Zutphen. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 38% higher in Zutphen, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $94.0 in Amsterdam versus $46.00 in Zutphen. Monthly groceries follow the same trend: $391 vs $288 – making Zutphen the more affordable choice for daily food spending.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Amsterdam vs Zutphen: Cost of Living - Frequently Asked Questions

Yes – Amsterdam is pricier by about 36%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $5,160 per month in Amsterdam and $3,800 in Zutphen. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Zutphen, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 17% less in Zutphen. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $2,897 per month in Amsterdam and $1,294 in Zutphen. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Zutphen, where all-in costs run around $2,533, than in Amsterdam at $3,440. In Zutphen it covers expenses comfortably, while in Amsterdam it requires careful planning or may not stretch far enough.

Families tend to lean toward Zutphen – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Zutphen. If higher salaries, better infrastructure, or specific career opportunities are the priority, Amsterdam makes more sense. Both are solid long-term options with distinct trade-offs.