The typical owner-occupied home in Amsterdam is worth about $48,000, 79% below the Missouri median of $230,300 and 86% below the national median of $332,700. The median household earns $45,536 a year, so the median home costs 1.1 times the median income (3.3 times for Missouri). 91% of occupied homes here are lived in by their owners, and 72% of those owners still have a mortgage.
Amsterdam at a glance
| Amsterdam | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $48,000 | $230,300 | $332,700 |
| Median property tax paid per year | – | $1,948 | $3,119 |
| Median household income | $45,536 | $70,702 | $80,734 |
| Homes lived in by their owners | 91% | 68% | 65% |
| Owner homes with a mortgage | 72% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $788 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 18.4% | 19.0% | 21.0% |
| Median rent | $675 | $1,033 | $1,413 |
| Rent as a share of renters' income | 45.0% | 28.1% | 30.6% |
| Median year homes were built | 1964 | 1978 | 1980 |
| Vacant homes | 22.9% | 11.2% | 10.1% |
| Population | 128 | 6,191,814 | 334,922,499 |
What a typical home costs per month in Amsterdam
At this week's average 30-year rate of 7.11%, buying the median Amsterdam home of $48,000 with 20% down costs about $322 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $402, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $13,814 for the 20%-down payment. That payment is 8% of the median Amsterdam household income of $45,536; at that income and 20% down, the 28% guideline points to a home of about $158,000.
The median rent here is $675 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $9,600 |
|---|---|
| Loan amount | $38,400 |
| Principal and interest | $258 |
| Property taxes (1.10% a year) | $44 |
| Homeowners insurance (our estimate, 0.5% a year) | $20 |
| PMI | $0 |
| Total per month | $322 |
Change the numbers in the calculator
| Down payment | $1,680 |
|---|---|
| Loan amount | $47,131 |
| Principal and interest | $317 |
| Property taxes (1.10% a year) | $44 |
| Homeowners insurance (our estimate, 0.5% a year) | $20 |
| FHA mortgage insurance | $21 |
| Total per month | $402 |
Change the numbers in the calculator
Questions about home buying in Amsterdam
What is the median home value in Amsterdam?
About $48,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Amsterdam?
For the median home with 20% down at 7.11%, the payment is about $322 a month. Keeping that under 28% of gross income takes about $13,814 a year.
More about Amsterdam
- Mortgage Refinance in Amsterdam
- Debt Relief in Amsterdam
- Home Equity Loans in Amsterdam
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data