Last update: Oct 2026

Cost of Living Comparison Between Amsterdam and Zutphen

For one person, living is cheaper in Zutphen: $2,468 a month against $3,496 in Amsterdam, rent and utilities included – about $12,300 less a year. Rent and utilities account for most of the difference.

168

Cost of Living Index in Amsterdam
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Amsterdam Living Index
120

Cost of Living Index in Zutphen
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Zutphen Living Index

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Amsterdam

🇳🇱 Netherlands

$3,496

/mo nomad

Zutphen

🇳🇱 Netherlands

$2,468

/mo nomad

Monthly Cost of Living

How much you'll spend in Amsterdam and in Zutphen

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Amsterdam and in Zutphen actually costs, broken down by who's living it.

A single person spends $3,496 per month in Amsterdam vs $2,468 in Zutphen, rent included.

Amsterdam $3,496
Zutphen $2,468

A couple spends around $5,012 per month in Amsterdam vs $3,496 in Zutphen, rent included.

Amsterdam $5,012
Zutphen $3,496

A family of three spends $6,528 per month in Amsterdam vs $4,525 in Zutphen, rent included.

Amsterdam $6,528
Zutphen $4,525

Amsterdam costs about 42% more than Zutphen, and outside of rent the biggest gap is in groceries.

Both Amsterdam and Zutphen sit above the global median – Amsterdam by 158%, Zutphen by 82%.

Meal at Budget Restaurant

$22.16 €19.71

$19.74 €17.55

12.26%

Three-Course Dinner for Two, Mid-Range

$89.5 €79.6

$45.16 €40.17

98.12%

Fast Food Meal (McDonalds, etc)

$14.53 €12.93

$12.47 €11.09

16.52%

Cappuccino

$4.56 €4.06

$3.27 €2.91

39.45%

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

$3.86 €3.43

$1.72 €1.53

124.42%

Water (0.33 liter bottle)

$3.02 €2.69

$3.13 €2.78

-3.51%

Local Beer (0.5 liter draught)

$8.06 €7.17

$8.26 €7.35

-2.42%

Imported Beer (0.33 liter bottle)

$6.59 €5.87

$5.56 €4.94

18.53%

Milk (1 liter)

$1.51 €1.34

$1.30 €1.16

16.15%

White Bread (500g)

$2.36 €2.10

$2.27 €2.02

3.96%

Rice (white) (1kg)

$2.44 €2.17

$2.48 €2.21

-1.61%

Eggs

$5.21 €4.63

$3.95 €3.51

31.90%

Local Cheese (1kg)

$16.77 €14.92

$12.58 €11.19

33.31%

Chicken Fillets (1kg)

$13.06 €11.61

$5.44 €4.84

140.07%

Beef Round Steak (1kg)

$22.98 €20.44

$13.19 €11.74

74.22%

Apples (1kg)

$2.70 €2.40

$2.56 €2.28

5.47%

Banana (1kg)

$2.87 €2.55

$2.55 €2.27

12.55%

Oranges (1kg)

$2.69 €2.39

$1.91 €1.69

40.84%

Tomato (1kg)

$3.96 €3.52

$4.34 €3.86

-8.76%

Potato (1kg)

$2.51 €2.23

$1.90 €1.69

32.11%

Onion (1kg)

$1.66 €1.48

$2.28 €2.03

-27.19%

Lettuce (1 head)

$1.51 €1.34

$1.28 €1.14

17.97%

Water (1.5 liter bottle)

$1.67 €1.48

$0.79 €0.71

111.39%

Cigarettes 20 Pack (Marlboro, Camel)

$14.36 €12.77

$13.94 €12.40

3.01%

Wine (Bottle)

$8.66 €7.71

$6.55 €5.83

32.21%

Local Beer (0.5 liter bottle)

$1.81 €1.61

$1.48 €1.32

22.30%

Imported Beer (0.33 liter bottle)

$2.53 €2.25

$2.64 €2.35

-4.17%

One-way Ticket (Public Transport)

$3.74 €3.33

$3.66 €3.25

2.19%

Public Transport Monthly Pass (Regular Price)

$117 €104

$86.2 €76.7

35.84%

Taxi Start (Normal Tariff)

$4.62 €4.11

$4.08 €3.63

13.24%

Taxi (Normal Tariff) (1km)

$3.38 €3.00

$3.36 €2.99

0.60%

Taxi 1hour Waiting (Normal Tariff)

$39.70 €35.31

$28.18 €25.06

40.88%

Gasoline (1 liter)

$2.67 €2.37

$2.42 €2.15

10.33%

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

$41.8K €37.2K

$42.1K €37.5K

-0.87%

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

$38.6K €34.3K

$40.0K €35.6K

-3.52%

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

$303 €270

$296 €263

2.46%

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

$22.97 €20.43

$17.39 €15.47

32.09%

Internet (50+ Mbps, Unlimited Data)

$51.5 €45.83

$49.06 €43.64

5.03%

Gym Membership (Monthly)

$58.4 €52.0

$40.64 €36.15

43.80%

Tennis Court (1 Hour on Weekend)

$35.86 €31.90

$22.66 €20.15

58.25%

Cinema Ticket

$16.86 €15.00

$15.34 €13.65

9.91%

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

$2,815 €2,504

$1,260 €1,121

123.39%

International Primary School, 1 Child (Yearly)

$17.5K €15.6K

$11.0K €9,818

58.78%

Jeans (Levis 501 Or Similar)

$92.2 €82.0

$82.3 €73.2

12.03%

Summer Dress (H&M, Zara, etc)

$42.16 €37.50

$38.44 €34.20

9.68%

Sport Shoes (Adidas, Nike)

$99.3 €88.3

$113 €101

-12.14%

Men's Leather Business Shoes

$134 €119

$126 €112

6.37%

1-bedroom Apartment, City Center (Monthly)

$2,654 €2,361

$1,428 €1,270

85.87%

1-bedroom Apartment, Outside City Center (Monthly)

$1,967 €1,750

$1,170 €1,041

68.07%

3-bedroom Apartment, City Center (Monthly)

$3,963 €3,525

$2,449 €2,179

61.79%

3-bedroom Apartment, Outside City Center (Monthly)

$3,158 €2,809

$1,883 €1,675

67.68%

Buy Apartment in City Center (m2)

$10.5K €9,354

$4,701 €4,182

123.67%

Buy Apartment Outside City Center (m2)

$6,700 €5,960

$4,613 €4,104

45.23%

Average Monthly Net Salary (After Tax)

$4,677 €4,160

$6,071 €5,400

-22.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

4.42

-25.34%

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

Last update for Amsterdam: October 19, 2026

Last update for Zutphen: October 17, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Amsterdam

$2K 56.3%

Zutphen

$1.2K 47.4% 40.5% $797

Groceries & Markets

Amsterdam

$384 11%

Zutphen

$274 11.1% 28.5% $109

Monthly Utilities & Internet

Amsterdam

$378 10.8%

Zutphen

$362 14.7% 4.1% $15

Eating Out

Amsterdam

$357 10.2%

Zutphen

$306 12.4% 14.1% $50

Clothing & Footwear

Amsterdam

$166 4.7%

Zutphen

$162 6.6% 2.2% $3.6

Getting Around

Amsterdam

$154 4.4%

Zutphen

$122 4.9% 20.7% $32

Sport & Entertainment

Amsterdam

$92 2.6%

Zutphen

$71 2.9% 22.6% $21

Cost Breakdown

A central one-bedroom costs $2,654 in Amsterdam versus $1,428 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 30% 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 $89.0 in Amsterdam versus $45.00 in Zutphen. Monthly groceries follow the same trend: $384 vs $274 – making Zutphen the more affordable choice for daily food spending.

Good to know

🇳🇱 Amsterdam

🇳🇱 Zutphen

🕒 Local time

11:32 11:32 AM

Same time as Amsterdam

🌤 Weather

👥 Population

881,933 Capital

38,642

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Amsterdam Zutphen 92 km

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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 42%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $5,244 per month in Amsterdam and $3,702 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 36% less in Zutphen. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $2,815 per month in Amsterdam and $1,260 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 $2,468, than in Amsterdam at $3,496. 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.