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City Report · NY

Amsterdam

Pop. 18,166·121st most expensive in New York·One of the most affordable rental markets in the US
Median rent (all units)
$1,194/mo
Year-over-Year
Stable
Month-over-Month
-5.1%
vs US Median
-$768
Falling (Monthly)
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Most AffordableMost Expensive
Amsterdam · $1,194
More affordable than 93% of US cities · National median $1,962/mo
Affordability
26% of income
AFFORDABLE
0%30% benchmark60%+

At $1,194/mo, rent takes about 26% of the local median household income, comfortably within the 30% benchmark.

Income to afford
$48,000/yr
Local median income
$56,178/yr
Based on the 30%-of-income rule using Amsterdam's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$910
1 BR
$1,020
2 BR
$1,240
3 BR
$1,500
4 BR+
$1,650
Fair Market Rent (HUD)
$1,240/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,194 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$14,328/yr
At $1,194/mo median
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 0.0% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (+0.0% YoY, -5.1% MoM), not inventory.
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Demographics

Who lives here

Amsterdam, NY is roughly split between renters and owners, has a median income below the national average, 22.5% of residents hold a bachelor's degree or higher.

Population
18,166
Median income
$56,178
Median age
39.5
Renters
47%
Age distribution
23%
21%
24.5%
19.5%
Under 1823%
18–3421%
35–5424.5%
55–6412%
65+19.5%
Gender
49%
51%
Male49%
Female51%
Race & ethnicity
60.3%
34.2%
White60.3%
Black7%
Hispanic34.2%
Asian1.5%
Education (25+)
12.3%
35.9%
29.3%
22.5%
No HS diploma12.3%
HS diploma35.9%
Some college29.3%
Bachelor's+22.5%
Housing tenure
53%
47%
Owner53%
Renter47%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Amsterdam, NY has changed in 5 years

Income
$43,164 → $56,178
up 30.2%
Population
18,218 → 18,166
down 0.3%
Renter share
47.7% → 47%
-0.7 pts
Bachelor's+
18.4% → 22.5%
+4.1 pts
Median age
38.3 → 39.5
+1.2 yrs

Household income in the area moved from $43,164 to $56,178 across the same window, up 30.2% versus 2021. Bachelor's-degree-or-higher attainment moved from 18.4% to 22.5% across the same window.

Community

Discussions about Amsterdam

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View Amsterdam rent history (2015–2026) →
Salary vs rent

Can you afford rent in Amsterdam on your salary?

At $1,194/mo, how Amsterdam rent compares to typical pay (30% rule).

By apartment size

Amsterdam rent by bedroom count

Median rent for each apartment size in Amsterdam. Click any size for full breakdown.

Local insights

Tips for renters in Amsterdam

About renting in Amsterdam, NY

Last updated: August 17, 2026

The median rent in Amsterdam is $1,194/mo as of August 2026. A studio apartment averages $910/mo while a 2-bedroom runs $1,240/mo. One-bedroom apartments average $1,020/mo and 3-bedroom units go for $1,500/mo.

At 26% of local median household income ($56,178/yr), Amsterdam ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

Is Amsterdam an affordable city for renters?

Amsterdam is considered affordable for renters. At $1,194/mo, rent takes approximately 26% of the local median household income ($56,178/yr). The standard benchmark is 30%. Amsterdam falls comfortably within that range.

How much income do you need to rent in Amsterdam?

To keep rent at or below 30% of gross income, you would need to earn at least $48,000/year (~$23/hour full-time) to afford the median rent of $1,194/mo in Amsterdam. The local median household income is $56,178/yr, meaning the typical Amsterdam household meets that threshold.

Is rent going up or down in Amsterdam?

Rent in Amsterdam has been relatively stable over the past year, with a 0.0% change year over year as of August 2026.

How does Amsterdam rent compare to other cities in New York?

Amsterdam is one of the more affordable cities in New York for rent, ranking #121 out of 125 tracked cities at $1,194/mo.

Which nearby cities are cheaper to rent in than Amsterdam?

Gloversville is nearby and more affordable at $1,025/mo, which is $169 less than Amsterdam.

What percentage of Amsterdam residents rent vs. own?

According to Census data, approximately 47% of Amsterdam households are renters, while 53% are owner-occupied. Amsterdam leans toward homeownership, which can mean a smaller rental inventory.

How does Amsterdam rent compare to the national average?

Amsterdam's median rent of $1,194/mo is $768 (39%) below the US national median of $1,962/mo. Within New York, it ranks #121 out of 125 tracked cities.
Income Affordability
26%
AFFORDABLE

At $1,194/mo, rent takes ~26% of Amsterdam's median household income ($56,178/yr). The standard benchmark is 30%.

Amsterdam 26%Benchmark 30%
State income tax4–10.9%
Run the Amsterdam affordability calculator →
Lowest-rent ZIP codes in Amsterdam
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Amsterdam, NY

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