Amarillo vs Amsterdam
Cost of Living Comparison · 2026
Amarillo
Amsterdam
The Verdict
Amarillo is 30.8% less expensive than Amsterdam overall. A household earning $75,000 in Amarillo would need approximately $108,446 in Amsterdam to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Amarillo has the same purchasing power as $108,446 in Amsterdam.
Conversely, $75,000 in Amsterdam equals $51,869 in Amarillo.
Living in Amarillo vs Amsterdam
Housing Costs
Amarillo's housing index of 59 is lower Amsterdam's 138, translating to median home prices of $195,000 vs $595,000. The $400,000 difference in home prices means roughly $26,004 per year in additional mortgage costs at current rates. Renters face a similar gap: $975/mo in Amarillo compared to $2,100/mo in Amsterdam, a monthly difference of $1,125.
Grocery & Food Costs
Grocery expenses index at 92 in Amarillo and 95 in Amsterdam. A household spending the national average of $475/month on groceries would pay approximately $437/month in Amarillo vs $451/month in Amsterdam. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 94 in Amarillo and 118 in Amsterdam. Monthly utility bills average approximately $376 in Amarillo vs $472 in Amsterdam. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 104 in Amarillo and 90 in Amsterdam. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 14-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $58,500 in Amarillo and $58,000 in Amsterdam. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $79,054 and $54,206 respectively. Amarillo residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,365/month to housing in Amarillo vs $1,353/month in Amsterdam. In Amarillo, median rent of $975/mo fits within this budget. In Amsterdam, median rent of $2,100/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 79 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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