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

Monthly Cost of Living

A single person spends $2,674 per month in Zutphen vs $3,476 in Amsterdam, rent included.

A couple spends around $3,688 per month in Zutphen vs $5,057 in Amsterdam, rent included.

A family of three spends $4,701 per month in Zutphen vs $6,639 in Amsterdam, rent included.

Zutphen is about 23% cheaper than Amsterdam, driven mainly by Eating Out.

Both Zutphen and Amsterdam sit above the global median – Zutphen by 100%, Amsterdam by 160%.

Meal at Budget Restaurant

$19.57 €17.12

$23.49 €20.55

-16.69%

Three-Course Dinner for Two, Mid-Range

$69.6 €60.9

$112 €97.8

-37.75%

Fast Food Meal (McDonalds, etc)

$12.59 €11.01

$15.07 €13.19

-16.46%

Cappuccino

$4.24 €3.71

$4.73 €4.14

-10.36%

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

$3.52 €3.08

$3.45 €3.02

2.03%

Water (0.33 liter bottle)

$2.55 €2.23

$3.17 €2.77

-19.56%

Local Beer (0.5 liter draught)

$7.20 €6.30

$6.78 €5.93

6.19%

Imported Beer (0.33 liter bottle)

$5.94 €5.19

$7.14 €6.25

-16.81%

Milk (1 liter)

$1.33 €1.16

$1.48 €1.29

-10.14%

White Bread (500g)

$2.46 €2.15

$2.47 €2.16

-0.40%

Rice (white) (1kg)

$3.15 €2.76

$2.62 €2.29

20.23%

Eggs

$4.60 €4.02

$5.39 €4.71

-14.66%

Local Cheese (1kg)

$13.41 €11.73

$14.78 €12.93

-9.27%

Chicken Fillets (1kg)

$15.71 €13.75

$14.29 €12.50

9.94%

Beef Round Steak (1kg)

$16.67 €14.58

$16.63 €14.55

0.24%

Apples (1kg)

$2.42 €2.12

$2.93 €2.56

-17.41%

Banana (1kg)

$2.45 €2.14

$2.58 €2.26

-5.04%

Oranges (1kg)

$1.93 €1.69

$2.19 €1.92

-11.87%

Tomato (1kg)

$3.74 €3.28

$4.68 €4.10

-20.09%

Potato (1kg)

$1.98 €1.73

$2.01 €1.76

-1.49%

Onion (1kg)

$2.00 €1.75

$2.05 €1.79

-2.44%

Lettuce (1 head)

$1.27 €1.11

$1.30 €1.14

-2.31%

Water (1.5 liter bottle)

$0.82 €0.72

$1.23 €1.07

-33.33%

Cigarettes 20 Pack (Marlboro, Camel)

$14.31 €12.52

$14.37 €12.57

-0.42%

Wine (Bottle)

$6.63 €5.80

$8.03 €7.02

-17.43%

Local Beer (0.5 liter bottle)

$1.52 €1.33

$1.68 €1.47

-9.52%

Imported Beer (0.33 liter bottle)

$2.70 €2.36

$3.02 €2.64

-10.60%

One-way Ticket (Public Transport)

$3.53 €3.08

$4.02 €3.51

-12.19%

Public Transport Monthly Pass (Regular Price)

$94.0 €82.2

$118 €103

-20.32%

Taxi Start (Normal Tariff)

$4.33 €3.79

$4.76 €4.16

-9.03%

Taxi (Normal Tariff) (1km)

$2.20 €1.93

$3.00 €2.63

-26.67%

Taxi 1hour Waiting (Normal Tariff)

$28.53 €24.96

$65.1 €57.0

-56.20%

Gasoline (1 liter)

$2.28 €2.00

$2.32 €2.03

-1.72%

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

$37.4K €32.7K

$43.3K €37.9K

-13.53%

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

$32.8K €28.7K

$38.8K €33.9K

-15.40%

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

$354 €310

$306 €268

15.83%

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

$25.33 €22.16

$21.54 €18.84

17.60%

Internet (50+ Mbps, Unlimited Data)

$48.69 €42.60

$51.4 €44.95

-5.24%

Gym Membership (Monthly)

$40.89 €35.77

$62.4 €54.6

-34.51%

Tennis Court (1 Hour on Weekend)

$23.44 €20.51

$38.70 €33.85

-39.43%

Cinema Ticket

$15.37 €13.44

$17.20 €15.05

-10.64%

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

$1,552 €1,358

$2,848 €2,492

-45.50%

International Primary School, 1 Child (Yearly)

$8,248 €7,216

$21.2K €18.5K

-61.07%

Jeans (Levis 501 Or Similar)

$89.4 €78.2

$102 €89.4

-12.48%

Summer Dress (H&M, Zara, etc)

$37.96 €33.21

$48.88 €42.77

-22.34%

Sport Shoes (Adidas, Nike)

$119 €105

$126 €111

-5.55%

Men's Leather Business Shoes

$129 €113

$137 €120

-6.25%

1-bedroom Apartment, City Center (Monthly)

$1,398 €1,223

$2,362 €2,067

-40.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,186 €1,038

$1,995 €1,745

-40.55%

3-bedroom Apartment, City Center (Monthly)

$2,248 €1,967

$4,197 €3,672

-46.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,726 €1,510

$3,107 €2,719

-44.46%

Buy Apartment in City Center (m2)

$5,513 €4,824

$10.7K €9,366

-48.50%

Buy Apartment Outside City Center (m2)

$4,460 €3,902

$7,066 €6,182

-36.87%

Average Monthly Net Salary (After Tax)

$6,349 €5,555

$4,465 €3,906

42.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.34

4.02

7.96%

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

Last update for Zutphen: July 13, 2026

Last update for Amsterdam: July 11, 2026

Cost Breakdown

A central one-bedroom costs $1,398 in Zutphen versus $2,362 in Amsterdam. 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 42% 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 $70.0 in Zutphen versus $112 in Amsterdam. Monthly groceries follow the same trend: $342 vs $360 – 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

Zutphen vs Amsterdam: Cost of Living - Frequently Asked Questions

Yes – Amsterdam is pricier by about 30%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $4,012 per month in Zutphen and $5,214 in Amsterdam. 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 26% less in Zutphen. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $1,552 per month in Zutphen and $2,848 in Amsterdam. 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 $2,674, than in Amsterdam at $3,476. 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.