Amsterdam, New York.
Typical home $245,150 (+4.2% in a year), asking rent $1,185 . Amsterdam, NY metro.
to buy the typical home at today's mortgage rate — +$137 (+12%) since Jan 2024.
- 1 year
- Up $9,811 +4%
- $235,339$245,150 since Sep 2025
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Amsterdam$1,287
- New York$2,755
- United States$1,922
Typical home values in Amsterdam, NY rose 4.2% over the past year — faster than the nation's +1.2%.
Living in Amsterdam, Montgomery County, New York
Amsterdam is a city of 18,219 people in Montgomery County. Half its households earn more than $56,178 a year and half less, against $64,943 across Montgomery County; 20% of its people live below the poverty line. 53% of its homes are lived in by their owners and 47% are rented. Unemployment in Montgomery County was 4.4% in August 2026, and the county had 2.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Amsterdam is a small city in Montgomery County, a place where more households rent than in the county as a whole and where incomes run below the county's. Home values and rents are modest, and relatively few adults hold a four-year degree. Winters are cold and snowy, with January the coldest month, while summers are warm and the year brings a fair amount of rain and melted snow.
Work. Many residents work in schools, hospitals and social care, with manufacturing, shops and professional and business services also employing a good number. Among the largest workplaces in Amsterdam are St. Marys Healthcare, Sticker Mule, which runs printing operations on Elk Street and Forest Avenue, and River Ridge Living Center. Most people have a fairly short commute, and a modest share work from home.
Things to do. Several creeks run in or beside town, including Terwilleger Creek and Kayaderosseras Creek, for walks along the water. A longer drive brings you to Great Sacandaga Lake, a large reservoir, and to Johnson Hall State Historic Site, a protected historic place. The National Museum of Racing and Hall of Fame is also a longer drive away.
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- 7,679households
- 22%of adults have a degree
- 20%below the poverty line
- 21 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Montgomery County had 19,548 jobs in 2025, 2.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 31° and lows near 12°; warmest in July, with highs near 82° and lows near 59°. About 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Delanson 2NE weather station, 12 miles away (NOAA).
Largest workplaces in Amsterdam
- St. Marys HealthcareGeneral hospital933FTE
- Sticker Mule, LLC - Elk StreetLabels, commercial printing, on a job-order basis270
- Sticker Mule, LLC - Forest AvePrinting, engraving, on paper products170
- River Ridge Living CenterNursing homes123
- Montgomery CountyResidential care118
- Montgomery CountyResidential care72
- Saratoga HorseworksCaftans cut and sew apparel contractors59
- Student Transportation of America48541055
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 17 workplaces with 20 or more staff, 2,476 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively moderate
- Cold wavesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Amsterdam’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Montgomery County and the Amsterdam, NY metro.
Amsterdam home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Amsterdam$245,150
- New York$524,942
- United States$366,157
Sellers are cutting prices on about 1 in 4 Amsterdam listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Amsterdam24.03%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Amsterdam67
New listings per month
Sellers arriving at the market.
- Amsterdam27
Zip codes with a Amsterdam address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Amsterdam — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.