Amsterdam, New York

Area Profile

18,166 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Amsterdam, in Montgomery County.

49out of 100
Area Score
Bottom 16% of 4,196 profiles measured

How we calculate this

How this area ranks

Data updated · 13 sources
Opportunity2,444th of 4,199 cities measured52
Schools3,736th of 4,162 cities measured18
Growth4,028th of 4,224 cities measured19
Housing affordabilityTop 24% of 4,218 cities measured75
Climate3,601st of 4,225 cities measured60
Physical resilience2,291st of 4,226 cities measured53
Access2,368th of 4,226 cities measured91
Economic stability3,842nd of 4,226 cities measured30
The quick read

Unemployment is 4.4% and median household income $56,178, putting employment conditions in the middle range of cities measured. The unemployment rate is published for Montgomery County, NY, which contains Amsterdam, rather than for Amsterdam alone.

In the public schools here, 45% of students met the state standard in mathematics, with 14.0 students for every teacher.

Residential permitting has slowed: 1 units authorized over the past twelve months, against 7 the year before. The change in permitting is published for Montgomery County, NY, which contains Amsterdam, rather than for Amsterdam alone.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
18,166
2024 ACS 5-Year
Median household income
$56,178
Bottom 33% nationally
Density
3,093/sq mi
5.9 sq mi of land
Median age
39.5
2024 ACS 5-Year
County
New York
Micro area
Nearest major airport
ALB
24 mi · Albany Intl
Median home value
$137,900
2024 ACS 5-Year

Jobs & opportunity

Unemployment across Montgomery County, NY, which contains Amsterdam, is 4.4% — higher than in all but 47% of the 4,226 measured US cities.

Employment across Montgomery County, NY, which contains Amsterdam, grew 0.3% over the past year, to 21,825 employed residents.

MetricValueCompared nationallySource period
Income of new arrivalsMontgomery County, NY’s figurefiling years 2022–2023$49,1276th percentileof 4,101filing years 2022–2023
Income of those who leftMontgomery County, NY’s figurefiling years 2022–2023$48,2735th percentileof 4,101filing years 2022–2023
Median household income ±$8,1922024 ACS 5-Year$56,178Bottom 33%of 29,2232024 ACS 5-Year
Per capita income ±$1,5882024 ACS 5-Year$31,224Bottom 41%of 31,4202024 ACS 5-Year
Poverty rate ±4%2024 ACS 5-Year20.3%Bottom 22%of 31,7732024 ACS 5-Year
Average commute ±1.6 min2024 ACS 5-Year22.8 minTop 29%of 31,5432024 ACS 5-Year
Bachelor's degree or higher ±3%2024 ACS 5-Year22.5%Top 45%of 31,9192024 ACS 5-Year
Drove alone to work ±4%2024 ACS 5-Year72.5%35th percentileof 31,4332024 ACS 5-Year
EmploymentMontgomery County, NY’s figureJuly 202621,825Bottom 26%of 4,226July 2026
Employment change (3 years)Montgomery County, NY’s figureJuly 2026+0.6%Top 36%of 4,226July 2026
Employment change (year over year)Montgomery County, NY’s figureJuly 2026+0.3%Top 30%of 4,226July 2026
Labor forceMontgomery County, NY’s figureJuly 202622,82726th percentileof 4,226July 2026
Labor force participation ±3%2024 ACS 5-Year77.9%Bottom 49%of 31,5132024 ACS 5-Year
Public transit to work ±0.4%2024 ACS 5-Year0.4%78th percentileof 31,4332024 ACS 5-Year
Unemployment change (year over year)Montgomery County, NY’s figureJuly 2026+0.1%Bottom 34%of 4,226July 2026
Unemployment rateMontgomery County, NY’s figureJuly 20264.4%Bottom 47%of 4,226July 2026
Worked from home ±3%2024 ACS 5-Year10.5%62nd percentileof 31,4332024 ACS 5-Year

Median household income, successive ACS releases

202120222023202456k43k
Each point is a separate five-year estimate, most recently $56,178 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Montgomery County, NY, which contains this city.

45% of students met the state standard in mathematics and 44% in reading, across the schools here that reported results.

There are 14.0 students for every full-time teacher across 7 public schools, fewer than in most measured places.

Public schools
7
2024-25 school year
Students per teacher
14.0
across all schools here
Math proficiency
44.6%
Bottom 6% in New York
Reading proficiency
43.6%
Bottom 4% in New York
All 7 public schools on record, largest first.
SchoolDistrictStudentsPer teacherMathReading
Amsterdam High SchoolAMSTERDAM CITY SCHOOL DISTRICT1,19215.180%87%
Broadalbin-Perth Elementary SchoolBROADALBIN-PERTH CENTRAL SCHOOL DISTRICT87911.657%43%
Wilbur H Lynch Literacy AcademyAMSTERDAM CITY SCHOOL DISTRICT77212.114%17%
Raphael J McNulty Academy for Intern Studies & LiteracyAMSTERDAM CITY SCHOOL DISTRICT50315.721%21%
William B Tecler Arts in EducationAMSTERDAM CITY SCHOOL DISTRICT46516.624%22%
Marie Curie Institute of Engineering and CommunicationAMSTERDAM CITY SCHOOL DISTRICT44618.635%30%
William H Barkley MicrosocietyAMSTERDAM CITY SCHOOL DISTRICT28513.632%32%

68.8% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with, not how the schools perform, so it is shown and not scored.

Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against New York’s own standard, so it is ranked within state. How to read school figures.

The Federal Housing Finance Agency’s house price index for the non-metropolitan parts of New York is up 52% over five years, and up 6.7% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.

Homeowners here who pay a tax bill pay a median of $4,369 a year in real estate taxes, about 3.17% of the median home value.

HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $1,102, some 10% above the $1,006 tenants already here pay.

At HUD’s Fair Market Rent of $1,102 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $44,100 a year, about 79% of the median household income here of $56,178.

The typical renter household here spends 29% of its income on rent, below the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $1,006 a month.

A median home at $137,900 costs 1.8 times the median income of its owner-occupied households, $76,917, close to the historic benchmark for an affordable market.

Rent as a share of income
28.7%
Below the 30% cost-burdened threshold
Home price to income
1.8×
median home value ÷ owner household income
Market rent, two bedroom
$1,102
what a new lease costs · FY2026
Median gross rent
$1,006
what tenants now pay · 2024 ACS 5-Year
Median home value
$137,900
2024 ACS 5-Year

The figures above are measured against Amsterdam’s median household income of $56,178, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.

MetricValueCompared nationallySource period
Home price change (1 year)the non-metropolitan parts of New York’s figure2026 Q2+6.7%96th percentileof 4,1542026 Q2
Home price change (5 years)the non-metropolitan parts of New York’s figure2026 Q2+52.3%85th percentileof 4,1542026 Q2
Home price change (10 years)the non-metropolitan parts of New York’s figure2026 Q2+101.7%65th percentileof 4,1542026 Q2
Home price to income ±0.32024 ACS 5-Year1.8Top 25%of 26,8152024 ACS 5-Year
Homeownership rate ±3%2024 ACS 5-Year53.0%12th percentileof 31,7172024 ACS 5-Year
Housing units ±3032024 ACS 5-Year9,36793rd percentileof 32,1772024 ACS 5-Year
Market rent, one bedroomFY2026$899Top 14%of 4,072FY2026
Market rent, three bedroomFY2026$1,381Top 12%of 4,072FY2026
Market rent, two bedroomFY2026$1,102Top 14%of 4,072FY2026
Median gross rent ±$452024 ACS 5-Year$1,006Bottom 47%of 23,1202024 ACS 5-Year
Median home value ±$11,1862024 ACS 5-Year$137,90034th percentileof 29,1112024 ACS 5-Year
Median property taxes ±$3762024 ACS 5-Year$4,36986th percentileof 26,4402024 ACS 5-Year
Owner household income ±$11,7282024 ACS 5-Year$76,917Bottom 47%of 27,5482024 ACS 5-Year
Property tax rate ±0.37%2024 ACS 5-Year3.17%99th percentileof 20,5432024 ACS 5-Year
Rent as a share of income ±2%2024 ACS 5-Year28.7%Bottom 48%of 22,9502024 ACS 5-Year
Seasonal and second homes ±182024 ACS 5-Year455th percentileof 32,3302024 ACS 5-Year
Second homes2024 ACS 5-Year0.0%52nd percentileof 31,8952024 ACS 5-Year
Vacancy rate2024 ACS 5-Year18.0%85th percentileof 31,7692024 ACS 5-Year
Vacant housing units ±2682024 ACS 5-Year1,68897th percentileof 32,3302024 ACS 5-Year

These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures.

Development Momentum

19/ 100
Ranks 4,028 of 4,224 published city profiles
Permitting has been falling for the last 3 years of a series running from 2022 to 2025. That is the direction of the recent run. The chart below compares the first year with the last, which can point the other way.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has been broadly flat since 2020, at 18,169 in 2024.

Permit activity fell in each of the 3 calendar years through 2025. The change in permitting is published for Montgomery County, NY, which contains Amsterdam, rather than for Amsterdam alone.

New construction is predominantly single-family: of 1 units permitted over the past twelve months, none were in buildings of five or more homes.

Federal tax returns show that people moving in from elsewhere in the US and people moving out roughly balanced across Montgomery County, which contains Amsterdam, in the most recent year. Households that moved in reported an average income of $49,127, close to the $48,273 of households that moved out.

At 0.1 permitted units per 1,000 residents, building activity is below the median for measured US cities.

Units permitted
1
12 months ending July 2026
Per 1,000 residents
0.1
Bottom 5% nationally
Year over year
−85%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

Population, annual estimates

2020202120222023202418k18k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population. It has been holding roughly steady, over a series running from 2020 to 2024.

People moving in and out

Net migration
+0.1%
of residents, in a year
Arrivals from another state
22%
of people moving in
Income of arrivals
$49,127
average per tax return
Income of those who left
$48,273
average per tax return

Where newcomers came from

  1. Fulton County, NY 494 people · 23% of arrivals
  2. Schenectady County, NY 299 people · 14% of arrivals
  3. Saratoga County, NY 170 people · 8.0% of arrivals
  4. Albany County, NY 147 people · 6.9% of arrivals
  5. Herkimer County, NY 73 people · 3.4% of arrivals

Where people who left went

  1. Fulton County, NY 556 people · 27% of departures
  2. Schenectady County, NY 211 people · 10% of departures
  3. Saratoga County, NY 166 people · 8.0% of departures
  4. Albany County, NY 119 people · 5.7% of departures
  5. Herkimer County, NY 96 people · 4.6% of departures

Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Montgomery County, NY. IRS Statistics of Income, filing years 2022–2023.

Housing units permitted per year

2022202320242025460.0
Annual totals from the Census Building Permits Survey. Permitting in 2025 was lower than 2022 (−100%).

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 84°F and January a low of 16°F.

Normal annual precipitation is 40.7 inches, including 59.2 inches of snow.

0°20°40°60°80°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station ALBANY AP, 23.7 miles from this location.

Precipitation

JFMAMJJASOND4.5"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation1991-2020 Normals40.7"1991-2020 Normals
Annual snowfall1991-2020 Normals59.2"1991-2020 Normals
Average January low1991-2020 Normals16°F1991-2020 Normals
Average July high1991-2020 Normals84°F1991-2020 Normals
Comfortable months1991-2020 Normals51991-2020 Normals
Seasonal temperature swing1991-2020 Normals49°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. How to read climate and air quality.

Physical risk

53 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, cold wave and tornado, with inland flooding alone responsible for 80% of it. Cold wave and tornado are independently rated low or minimal nationally, so this describes how the loss is composed, not how large those hazards are.

Inland floodingElevated
LandslideModerate
HurricaneModerate
Heat waveModerate

Low or minimal exposure: winter weather, ice storm, cold wave, lightning, earthquake, tornado, hail, strong wind, wildfire, avalanche, drought, tsunami, volcanic activity, coastal flooding.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Violent crime
297
per 100,000 residents · 2025 calendar year
Property crime
611
per 100,000 residents · 2025 calendar year

Below these are deaths rather than offenses, published for the county. The two measure different things and are not comparable with each other.

Amsterdam's police department reported 297 violent offenses per 100,000 residents, near the middle of places with a department reporting. Property crime runs at 611.

Montgomery County has a modeled homicide rate of about 2.7 per 100,000 residents a year, because the CDC suppresses counts this small, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at about 7.0 per 100,000 — more than the homicide rate, since the figure counts suicides and accidents as well as homicides.

Drug overdose deaths run at about 15.4 per 100,000 residents in Montgomery County.

Homicide
2.7
per 100,000 residents · modeled, not measured
Firearm deaths, all intents
7.0
per 100,000 residents · modeled, not measured
Drug overdose
15.4
per 100,000 residents · modeled, not measured
Suicide
13.8
per 100,000 residents · modeled, not measured

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.

Offenses are reported to the FBI by Amsterdam’s own police department and shown only where it reported every month of the year; a partial year is withheld rather than scaled up. Reported crime is what police recorded, which is not the same as what happened. Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around Amsterdam (Montgomery County) rather than Amsterdam itself. Neither is part of the Area Score. How to read crime rates and death rates.

What this profile does not cover

Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.

Cost of living
Price parities are published for metropolitan areas, and this place lies outside one.
Air quality
The EPA publishes an air-quality index only where a monitor sits. There is none in this county, and a modeled value would be a different kind of number from the measured ones everywhere else on this page.
Taxes
Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. Cost of living is published where the Bureau of Economic Analysis measures it, though not for this place. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house.

Access

6 major airports lie within 100 miles, the nearest Albany Intl at 24 miles.

MetricValueCompared nationallySource period
Broadband access ±2%2024 ACS 5-Year87.6%Bottom 41%of 31,5882024 ACS 5-Year
Distance to major airportNASR current cycle24 miBottom 37%of 4,226NASR current cycle
Major airports within 100 milesNASR current cycle6Top 27%of 4,226NASR current cycle
No internet access ±2%2024 ACS 5-Year9.3%Bottom 41%of 31,5882024 ACS 5-Year
AirportCodeDistanceLongest runway
Albany IntlALB24 mi8,500 ft
Griffiss IntlRME65 mi11,820 ft
Westfield-Barnes RgnlBAF93 mi9,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource period
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle
SafetyFederal Bureau of Investigation, Crime Data Explorer
Summarized offense counts by law enforcement agency
2025 calendar year
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)
Demographics, IncomeInternal Revenue Service, Statistics of Income Division
U.S. Population Migration Data (county to county)
filing years 2022–2023
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 Normals
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
July 2026
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026
Access, Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-Year
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimate
SafetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
March 2025 to February 2026; May 2025 to April 2026
SchoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2018-19 school year; 2024-25 school year
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026
HousingU.S. Federal Housing Finance Agency
House Price Index (traditional, all-transactions)
2026 Q2
Current conditionsNOAA National Weather Service
National Weather Service current conditions
Live observation, read when the page opens

Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.

ZIP codes in Amsterdam

1 ZIP area

Every ZIP area in Amsterdam with census figures of its own, largest first.

ZIPPopulationMedian household incomeMedian home valueArea Score
1201027,750$63,696$180,20051