Last update: Oct 2026

Cost of Living Comparison Between Zutphen and Amsterdam

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.

120

Cost of Living Index in Zutphen
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Zutphen Living Index
168

Cost of Living Index in Amsterdam
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Amsterdam Living Index

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Zutphen

🇳🇱 Netherlands

$2,468

/mo nomad

Amsterdam

🇳🇱 Netherlands

$3,496

/mo nomad

Monthly Cost of Living

How much you'll spend in Zutphen and in Amsterdam

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

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

Zutphen $2,468
Amsterdam $3,496

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

Zutphen $3,496
Amsterdam $5,012

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

Zutphen $4,525
Amsterdam $6,528

Zutphen is about 29% cheaper than Amsterdam, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$19.74 €17.55

$22.16 €19.71

-10.92%

Three-Course Dinner for Two, Mid-Range

$45.16 €40.17

$89.5 €79.6

-49.52%

Fast Food Meal (McDonalds, etc)

$12.47 €11.09

$14.53 €12.93

-14.18%

Cappuccino

$3.27 €2.91

$4.56 €4.06

-28.29%

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

$1.72 €1.53

$3.86 €3.43

-55.44%

Water (0.33 liter bottle)

$3.13 €2.78

$3.02 €2.69

3.64%

Local Beer (0.5 liter draught)

$8.26 €7.35

$8.06 €7.17

2.48%

Imported Beer (0.33 liter bottle)

$5.56 €4.94

$6.59 €5.87

-15.63%

Milk (1 liter)

$1.30 €1.16

$1.51 €1.34

-13.91%

White Bread (500g)

$2.27 €2.02

$2.36 €2.10

-3.81%

Rice (white) (1kg)

$2.48 €2.21

$2.44 €2.17

1.64%

Eggs

$3.95 €3.51

$5.21 €4.63

-24.18%

Local Cheese (1kg)

$12.58 €11.19

$16.77 €14.92

-24.99%

Chicken Fillets (1kg)

$5.44 €4.84

$13.06 €11.61

-58.35%

Beef Round Steak (1kg)

$13.19 €11.74

$22.98 €20.44

-42.60%

Apples (1kg)

$2.56 €2.28

$2.70 €2.40

-5.19%

Banana (1kg)

$2.55 €2.27

$2.87 €2.55

-11.15%

Oranges (1kg)

$1.91 €1.69

$2.69 €2.39

-29.00%

Tomato (1kg)

$4.34 €3.86

$3.96 €3.52

9.60%

Potato (1kg)

$1.90 €1.69

$2.51 €2.23

-24.30%

Onion (1kg)

$2.28 €2.03

$1.66 €1.48

37.35%

Lettuce (1 head)

$1.28 €1.14

$1.51 €1.34

-15.23%

Water (1.5 liter bottle)

$0.79 €0.71

$1.67 €1.48

-52.69%

Cigarettes 20 Pack (Marlboro, Camel)

$13.94 €12.40

$14.36 €12.77

-2.92%

Wine (Bottle)

$6.55 €5.83

$8.66 €7.71

-24.36%

Local Beer (0.5 liter bottle)

$1.48 €1.32

$1.81 €1.61

-18.23%

Imported Beer (0.33 liter bottle)

$2.64 €2.35

$2.53 €2.25

4.35%

One-way Ticket (Public Transport)

$3.66 €3.25

$3.74 €3.33

-2.14%

Public Transport Monthly Pass (Regular Price)

$86.2 €76.7

$117 €104

-26.39%

Taxi Start (Normal Tariff)

$4.08 €3.63

$4.62 €4.11

-11.69%

Taxi (Normal Tariff) (1km)

$3.36 €2.99

$3.38 €3.00

-0.59%

Taxi 1hour Waiting (Normal Tariff)

$28.18 €25.06

$39.70 €35.31

-29.02%

Gasoline (1 liter)

$2.42 €2.15

$2.67 €2.37

-9.36%

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

$42.1K €37.5K

$41.8K €37.2K

0.88%

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

$40.0K €35.6K

$38.6K €34.3K

3.65%

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

$296 €263

$303 €270

-2.40%

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

$17.39 €15.47

$22.97 €20.43

-24.29%

Internet (50+ Mbps, Unlimited Data)

$49.06 €43.64

$51.5 €45.83

-4.79%

Gym Membership (Monthly)

$40.64 €36.15

$58.4 €52.0

-30.46%

Tennis Court (1 Hour on Weekend)

$22.66 €20.15

$35.86 €31.90

-36.81%

Cinema Ticket

$15.34 €13.65

$16.86 €15.00

-9.02%

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

$1,260 €1,121

$2,815 €2,504

-55.24%

International Primary School, 1 Child (Yearly)

$11.0K €9,818

$17.5K €15.6K

-37.02%

Jeans (Levis 501 Or Similar)

$82.3 €73.2

$92.2 €82.0

-10.74%

Summer Dress (H&M, Zara, etc)

$38.44 €34.20

$42.16 €37.50

-8.82%

Sport Shoes (Adidas, Nike)

$113 €101

$99.3 €88.3

13.82%

Men's Leather Business Shoes

$126 €112

$134 €119

-5.99%

1-bedroom Apartment, City Center (Monthly)

$1,428 €1,270

$2,654 €2,361

-46.20%

1-bedroom Apartment, Outside City Center (Monthly)

$1,170 €1,041

$1,967 €1,750

-40.50%

3-bedroom Apartment, City Center (Monthly)

$2,449 €2,179

$3,963 €3,525

-38.19%

3-bedroom Apartment, Outside City Center (Monthly)

$1,883 €1,675

$3,158 €2,809

-40.36%

Buy Apartment in City Center (m2)

$4,701 €4,182

$10.5K €9,354

-55.29%

Buy Apartment Outside City Center (m2)

$4,613 €4,104

$6,700 €5,960

-31.15%

Average Monthly Net Salary (After Tax)

$6,071 €5,400

$4,677 €4,160

29.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.42

3.3

33.94%

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

Last update for Zutphen: October 17, 2026

Last update for Amsterdam: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Zutphen

$1.2K 47.4%

Amsterdam

$2K 56.3% 68.1% $797

Monthly Utilities & Internet

Zutphen

$362 14.7%

Amsterdam

$378 10.8% 4.2% $15

Eating Out

Zutphen

$306 12.4%

Amsterdam

$357 10.2% 16.4% $50

Groceries & Markets

Zutphen

$274 11.1%

Amsterdam

$384 11% 39.9% $109

Clothing & Footwear

Zutphen

$162 6.6%

Amsterdam

$166 4.7% 2.2% $3.6

Getting Around

Zutphen

$122 4.9%

Amsterdam

$154 4.4% 26.2% $32

Sport & Entertainment

Zutphen

$71 2.9%

Amsterdam

$92 2.6% 29.2% $21

Cost Breakdown

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

Good to know

🇳🇱 Zutphen

🇳🇱 Amsterdam

🕒 Local time

10:09 10:09 AM

Same time as Zutphen

🌤 Weather

👥 Population

38,642

881,933 Capital

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Zutphen Amsterdam 92 km

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Zutphen
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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

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

Kindergarten costs $1,260 per month in Zutphen and $2,815 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 $2,468, 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.