HomeNew YorkMontgomery CountyAmsterdam city
Amsterdam city, New York: commercial real estate data.
Amsterdam city is a Census city of 18,166 people across 5.87 square miles of land, in Montgomery County. Median household income is $56,178, 53.0 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $7.1 m.
80 sourced place values · tier FULL · 9 sections
Amsterdam
What Amsterdam is
- Census place typecity
- Land area5.87 sq mi
- Water area0.39 sq mi
- Population per square mile of land3,093
- County holding the largest share of its areaMontgomery County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amsterdam
How many people live in Amsterdam
- Population18,166
- Median age39.5
- Population under 184,175
- Share under 1823.0 percent
- Population 65 and over3,550
- Share 65 and over19.5 percent
- Households7,679
- Family households4,189
- Share of households that are families54.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amsterdam
Income and work in Amsterdam
- Median household income$56,178
- Per capita income$31,224
- Civilian labor force8,950
- Employed8,354
- Unemployed596 plus or minus 187
- Unemployment rate6.7 percent plus or minus 2.1
- Adults 25 and over12,640
- Adults 25 and over with a high school diploma or higher87.7 percent
- Adults 25 and over with a bachelor degree or higher22.5 percent
- Adults 25 and over with a graduate degree6.3 percent plus or minus 1.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amsterdam
Housing in Amsterdam
- Housing units9,367
- Occupied units7,679
- Vacant units1,688
- Vacancy rate18.0 percent
- Owner occupied4,073
- Renter occupied3,606
- Ownership rate53.0 percent
- Median owner-occupied home value$137,900
- Median gross rent, monthly$1,006
- Annual rent as a share of median income21.5 percent
- Single family units3,750
- Share single family40.0 percent
- Units in buildings of two or more5,603
- Share in buildings of two or more59.8 percent
- Mobile homes14 plus or minus 24
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amsterdam
How Amsterdam gets to work
- Workers 16 and over who commute7,386
- Commuting under 15 minutes3,510
- Share commuting under 15 minutes47.5 percent
- Commuting 30 minutes or more2,284
- Share commuting 30 minutes or more30.9 percent
- Drove alone72.5 percent
- Carpooled12.3 percent plus or minus 3.9
- Public transport0.4 percent plus or minus 0.4
- Walked1.9 percent plus or minus 1.3
- Worked from home10.5 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amsterdam
SBA 7(a) lending to Amsterdam borrowers
- Approvals10
- Gross approval$7,071,500
- Average approval$707,150
- Median approval$300,000
- Ninetieth percentile approval$4,410,000
- Largest approval$4,410,000
- Jobs supported77
- Jobs per approval7.7
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more10.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS6
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Amsterdam
SBA 504 lending to Amsterdam borrowers
- Approvals6
- Gross approval$2,989,000
- Average approval$498,167
- Median approval$151,000
- Largest approval$1,870,000
- Jobs supported32
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Amsterdam
Flood programme status in Amsterdam
- Listed NFIP communities2
- Of those, participating2
- NFIP community number360440
- Currently effective map date01/19/18
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Montgomery County, not Amsterdam
Montgomery County context, not Amsterdam figures
These are Montgomery County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Amsterdam measurements.
- Establishments in Montgomery County1,064
- Employment at those establishments, Montgomery County15,867
- Covered employment, Montgomery County19,149
- Average annual pay, Montgomery County$53,762
- Average weekly wage, Montgomery County$1,034
- Housing units permitted, Montgomery County212
- Of those, single family, Montgomery County44
- County product, 2024, Montgomery County$2,631,721,000
- County product change over the prior year, Montgomery County6.0 percent
- Average income of an arriving household, Montgomery County$46,126
Every figure in this section is published for Montgomery County as a whole and is not a measurement of Amsterdam. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Amsterdam questions, answered from the record.
How many people live in Amsterdam, New York?
18,166, in 7,679 households. Amsterdam city covers 5.87 square miles of land, which is 3,093 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Amsterdam in?
Montgomery County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Amsterdam?
$56,178. The median owner-occupied home is valued at $137,900. Median gross rent is $1,006 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Amsterdam businesses?
10 7(a) approvals totalling $7.1 m, across 4 lenders, median approval $300,000, plus 6 504 approvals worth $3.0 m. These count approvals to borrowers whose address is in Amsterdam, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Amsterdam borrowers get paid back?
No rate is published for Amsterdam. only 4 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Amsterdam in the National Flood Insurance Program?
Yes. Amsterdam appears in the FEMA Community Status Book as community 360440, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Amsterdam figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montgomery County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Amsterdam.
Is zoning published for Amsterdam?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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