Market Overview
Home Prices in Amsterdam, NY
The median home value in Amsterdam, NY is $247,656 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.4% compared to a year ago and up 3.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Amsterdam are priced40% below average. Amsterdam is part of the Amsterdam, NY metro area.
Price History
Amsterdam Home Price Trend
2024
$232,094
$232K
—
2025
$239,616
$240K
+3.2%
2026
$247,656
$248K
+3.4%
City Comparison
Amsterdam vs. National Median
🏠 Amsterdam
$247,656
National Median
$410,000
At $247,656, homes in Amsterdam cost 40% below the national median of $410,000. This makes Amsterdam a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Amsterdam?
20% Down Payment
$49,531
on $247,656
Monthly P&I
$1,292/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,641/mo
incl. taxes & insurance
Income Needed
$65,640
gross annual (30% rule)
10% Down Option
$24,766
+ PMI applies
Loan Amount (20% dn)
$198,125
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Amsterdam, NY?
The median home value in Amsterdam is $247,656 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.4% year-over-year.
How much have home prices changed in Amsterdam?
Over the past year, home values in Amsterdam have increased by 3.4%.
How much do I need to earn to buy a home in Amsterdam?
To comfortably afford the median home price of $247,656 with a 20% down payment ($49,531) at today's rates (6.8%), you'd need a gross annual income of approximately $65,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Amsterdam compare to the national average home price?
The national median home value is approximately $410,000. At $247,656, homes in Amsterdam are 40% below the national average.
What metro area is Amsterdam part of?
Amsterdam is part of the Amsterdam, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.