Live in Amsterdam: Learn advantages, disadvantages & costs

If your goal is to live in Amsterdam, here you’ll find key information to help you better understand what life is like in the Dutch capital.

Legal requirements such as the paperwork needed to rent or buy a home, work, or access healthcare are essential. In addition, understanding the social and economic context will help you make better decisions as you plan your move to this city.

Quality of life in Amsterdam

Understanding what life in Amsterdam is really like means looking at things such as rent prices, healthcare, education, and transportation. This knowledge will help you prepare for different situations, so here we’ll go over each point to keep you informed.

Another key point about Amsterdam is that it not only provides a high quality of life for its residents, but also attracts digital nomads who value its strong connectivity and coliving spaces. Let’s start by looking at healthcare.

1. Accessible and universal healthcare

Healthcare standards in Amsterdam rank above those of many comparable European countries. According to the Organisation for Economic Co-operation and Development (OECD), residents of the Dutch capital report a high level of satisfaction with the healthcare services available.

• Open to all: There are no distinctions based on social class or income level, and every patient is free to choose their doctor and the hospital where they wish to receive care.
• Admission requirement: Every patient over 18 is required to have health insurance, which covers a range of specialties and treatments funded by the public system. Some medications and medical procedures may incur additional costs if they fall outside the coverage.
• Without health insurance, a person would have to cover the full cost of medical care. For example, a general practitioner visit can cost around $190, a specialist appointment up to $220, and a day in the hospital may start at about $240, not including any treatments provided.
• Health in Amsterdam also benefits from strong environmental protection, clean water, and disease prevention policies, which help residents live an average of 81 years, slightly above the OECD average.

2. Education: A variety of prestigious public and private universities

If you intend to pursue higher education, you will have to pay annual tuition fees depending on the degree program and university you choose.

Amsterdam is home to two highly ranked universities in Europe and worldwide. The Vrije Universiteit Amsterdam is private, while the University of Amsterdam is public.

Both universities are highly regarded in fields such as humanities, social sciences, and business, so if you are interested in these areas, you are looking in the right place. Let’s now take a look at the admission requirements.

• To apply to public universities, you need at least a B2 level in English or Dutch, a high school diploma recognized internationally, proof of financial means, and a student visa if you are not from the EU. Applications must be submitted through the Studielink platform for the program you want to join, and for postgraduate studies, a portfolio and a motivation letter are also required.
• Costs: International students pay an annual tuition fee that can range from $11,000 to $22,000 for undergraduate programs, depending on the university and course. Graduate programs typically range from $13,000 to $33,000.
• For private universities, the requirements are the same as for public ones. However, private institutions may also require an entrance exam to assess your knowledge and skills for the chosen program.
• Tuition at these institutions is even higher than at public universities. For EU students, fees can be around $11,000, while for other international students they can reach up to $33,000, depending on the university and program.

These and other educational institutions offer scholarships, and there are also government programs that help both local and international students gain admission.

3. Housing: Rent or buy? What to choose?

So, how much does it cost to live in Amsterdam? Housing prices are high in the city due to high demand and low supply, so rentals may be more affordable.

• If you want to buy a property, prices generally range from $440,000 to $770,000, depending on factors like your budget and needs. There are no restrictions for foreigners looking to purchase a home.
• If you plan to take out a mortgage, you will likely need a bank account and will have to prove your legal status in the country. You may also be asked to provide documents such as employment certificates, proof of income, and evidence of financial stability.

On the other hand, if you plan to rent, keep in mind that some landlords or rental companies may ask for personal documentation.

• To sign a rental contract, you will need to provide proof of your legal status in the country, a credit report to demonstrate your ability to pay, and a work-related document. In addition, you must register with the city council if you plan to stay in the city for more than four months.
• Rental prices in Amsterdam vary depending on your needs. For example, a one-bedroom apartment in a central area of the city can cost between $1,650 and $2,750 per month.
• If you need a larger space to live with your family, the cost can rise to over $3,850 for a three-bedroom home. Factors like location and size will determine the final price.

4. Employment and income according to your occupation

Unemployment in Amsterdam is very low in 2025, reaching one of the most encouraging levels in recent years at 3.9%, according to Trading Economics.

Amsterdam offers the chance to pursue promising careers, but your education and training will be the main factors in getting there. You need to know what field you want to work in and what is required to qualify for specific jobs.

English is widely spoken, but Dutch is the local language. While most people speak both, everyday communication is usually in Dutch, so it’s definitely useful to learn it.

Income will depend on the sector you work in. For example, the minimum wage in Amsterdam is around $2,420 per month, while the average earnings for someone with experience and technical or vocational training is about $3,850.

Some well-paying positions that immigrants can aim for are in healthcare, finance, or IT.

5. Efficient means of transportation

Getting around Amsterdam is easy thanks to its efficient transportation options. Ticket prices vary depending on your needs. Let’s start by looking at the different ways you can travel around the city.

• Buses: The bus network is perhaps the most comprehensive, covering most of the city, even at night.
• Tram: One of the fastest options available, as well as one of the most comfortable and extensive in Amsterdam, with up to 15 lines and 200 trams. Wait times range from 5 to 10 minutes depending on the time of day, and service runs from 6:00 am to 12:30 am.
• Metro: It is mainly used to reach the outskirts of the city and has no more than five routes. Still, it is efficient and punctual. Service runs from 6:00 am to 12:30 am.
• Trains: Best option for traveling from Schiphol Airport to the city center and other nearby cities. It also has a separate fare, starting at around $22.
• Bicycles: You can rent classic or electric bikes from various companies, which include a lock and spare parts. Prices generally range from $5 to $10, depending on how long you rent and the provider.
• Payment methods: Some machines accept payment by debit or credit card. However, the best option for someone traveling frequently around the city is the OV-Chipkaart, which costs $8. You can load it with trips starting at $5, and it works for all public transport except trains.

6. Connectivity: Quality home telephone and internet options

Amsterdam stands out for its fast and reliable connectivity. The Netherlands as a whole has extensive infrastructure and fiber optic networks, which provide dependable connections for coworking spaces and coliving communities.

There are at least three main mobile providers, T Mobile, Vodafone, and KPN, all of which have solid reputations and reliable service according to users.

To start, you could use a Holafly eSIM, which keeps you connected with family and friends as you settle into Amsterdam or travel to other countries.

Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 170 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍

Advantages of living in Amsterdam as a foreigner

Amsterdam can offer many more advantages than disadvantages when choosing it as a place to live. Let’s look at some of the details that make it unique.

• Cultural diversity: Amsterdam is a city accustomed to immigrants. With more than half of its population born outside the Netherlands, newcomers often find a welcoming and supportive community.
• Safety at any time of day: It is a clear advantage. According to OECD data, over 80% of people in Amsterdam feel safe walking at night.
• Transportation: The city helps you make the most of your time with its public transport and bike rental system, which also encourages a more active lifestyle.
• High-quality higher education: Higher education is one of the city’s strongest assets, making Amsterdam a top destination for pursuing undergraduate, graduate, or doctoral studies at its many prestigious universities.

Disadvantages of living in Amsterdam as a foreigner

Amsterdam’s high quality of life can come with economic challenges, as the cost of food, rent, buying a home, and education can be a barrier at first. Here’s a closer look:

• High cost of living: Living in Amsterdam as a digital nomad can be financially challenging because the city’s cost of living is high. It’s essential to carefully calculate all your expenses and the time you’ll be living in Amsterdam..
• Language: Knowing English is not enough. Once you’re living in the city, you may find that expanding your work and social opportunities could also require learning Dutch.
• High rental and housing costs: As noted before, buying property in Amsterdam is possible but expensive. Renting offers more flexibility for different budgets. While rent isn’t cheap, it is generally easier to manage and more accessible than purchasing a home.

Frequently asked questions: What is it like to live in Amsterdam?

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Paula Henderson

Spanish-English Translator

Hi! I'm a Spanish-English translator working with Holafly, helping bring travel content to life for curious travelers. As a digital nomad with a passion for exploring, I'm always adding new spots to my bucket list. If you love to travel like me, stick around because you're in the right place to find inspiration for your next trip! ✈️🌍

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