Modal gross annual incomeModal is the most common income — not the average. Useful for "do I earn above or below normal?"
€45.000▲ +2,3%
CBS / CPB →2026
Netherlands in numbers — modal income, minimum wage, AOW, housing, inflation, mortgage rates
The Dutch money numbers you actually search for — modal income, minimum wage, AOW, average house price, inflation, mortgage rates. One page, 25 figures, 10-year history each, every source named and dated.
In short
The five numbers most Dutch people search for under "what is normal in the Netherlands?" — Modal gross annual income 2026: ~€45,000 (most common, not average; CBS projection). Minimum wage from 1 July 2026: ~€14.40/hr (21+; Belastingdienst). AOW single 2026: ~€1,545/mo, with partner ~€1,050 p.p. (SVB). Average owner-occupied home Netherlands 2026: ~€485,000 (CBS Q1 forecast). Mortgage rate 10-yr fixed 2026: ~3.5% (DNB series). Per figure below: current value, year-over-year change, 10-year trend, source, and what it means. Numbers are projections based on official 2024-2025 publications — revised on each source update.
How to read these numbers. Every figure is the best current projection built on the most recent published values from CBS, Belastingdienst, SVB, DNB, CPB, NIBUD and DUO. Source is named per stat. 2026 values for unannounced thresholds (e.g. tax credits, AOW) extrapolate from the published 2024-2025 indexation pattern. Each value is re-verified quarterly during editorial review.
4 figures
Income & wages
Minimum wage per hour (21+)Statutory hourly minimum for workers 21+. Since 2024 published per-hour (used to be monthly). Updates Jan 1 and Jul 1.
€14,40▲ +2,4%
Median disposable household incomeWhat a typical household has to spend per year — after taxes, premiums and allowances.
€43.500▲ +1,2%
Median household wealthMedian: half of households have less, half have more. Average gets skewed by ultra-rich. 2021 jump mostly from house-price boom.
€135.000▬ 0,0%
4 figures
Housing
Average house purchase priceAverage transaction price across all home types in NL. Amsterdam runs ~60% above national, Groningen ~40% below.
€485.000▲ +4,3%
CBS / NVM →2026
Average free-market rent per monthFree-market rent, national average. Amsterdam typically €25-30/m²/mo mid-segment. Social-rent cap 2026 around €925.
€1.650▲ +4,4%
Pararius / NVM →2026
Average social-housing rent per monthAverage rent in housing corporation properties. 2026 liberalization threshold €925 — above that becomes free market. Amsterdam waiting list: 10-14 years.
€620▲ +0,8%
Average new-mortgage amountAverage mortgage on new registration. Below NHG limit €435,000 in 2026 — under that you get ~0.3% interest discount + protection on payment issues.
€345.000▲ +1,5%
Kadaster / DNB →2025
4 figures
Pension & social welfare
AOW single per monthGross AOW for single household at full build-up (lived in NL 50 years between age 17 and AOW age). Applies from AOW age (67 in 2026).
€1.545▲ +3,7%
SVB →2026
AOW with partner, per person per monthGross AOW per person if married/cohabiting. Together ~€2,100/mo. Reduced proportionally on partial build-up (2% per missing year).
€1.050▲ +3,4%
SVB →2026
Average supplementary workplace pension per monthAverage 2nd-pillar payout on top of AOW. Highly dependent on career + fund — median falls below average.
€820▲ +1,2%
Social welfare (bijstand) single per monthWelfare for single 21+. For partners ~€2,000 together. Includes holiday allowance. Conditions: wealth <€7,575, insufficient other income.
€1.400▲ +3,3%
4 figures
Taxation
Box 1 low rate (up to ~€76k)Rate for first two Box 1 brackets since 2020 (two-bracket system). Above €75,518 in 2026: 49.50%. Applies to wages, freelance profit, AOW.
36,97%▬ 0,0%
Box 1 high rate (from ~€76k)Top Box 1 bracket. Before 2020 there was a separate 4th bracket ~52%; since two-bracket system 49.5% is the max on wages.
49,50%▬ 0,0%
General tax credit (max)Maximum general tax credit under AOW age. Phases down above ~€26,000 income, disappears at ~€76,000. Directly reduces wage tax.
€3.580▲ +3,2%
Labor tax credit (max)Maximum labor tax credit at optimal labor income (~€41-43k in 2026). Phases down above that peak. Reason "working slightly more" sometimes pays back less than expected net.
€5.890▲ +3,2%
4 figures
Saving & borrowing
Average savings rate (instant access)Average Dutch-bank rate on instant-access savings. Foreign brokers (Trade Republic, Lightyear) often ran ~1pp higher in 2024-2025.
1,80%▼ -18,2%
Average mortgage rate 10-year fixedAverage rate new mortgage 10-yr fixed, NHG. Always stress-test your mortgage at +1pp — renewal can land there.
3,50%▼ -7,9%
Average student debt at graduationAverage DUO debt at master's graduation. Income-based repayment over 35 years. Student debt partially counts against mortgage capacity.
€18.000▲ +5,9%
DUO →2025
Average consumer credit rateAverage rate on personal loans + revolving credit. Credit-card rate runs separately ~14-18%. Statutory cap 2026: 14%.
8,50%▼ -1,2%
4 figures
Macro
GDP per capitaGDP divided by population. Netherlands sits consistently in top-10 globally, ~5-10% above EU average.
€62.500▲ +3,3%
Inflation (CPI annual average)Harmonized consumer price index. 2022 spike (10%) driven by energy + food. Drives: rent-cap ceiling, AOW indexation, modal income projections.
2,50%▼ -28,6%
CBS CPI →2026
Unemployment rateUnemployed workforce as % of total workforce. NL is among lowest in EU. Pre-COVID 2019 trough was a historic low.
3,80%▼ -2,6%
Population NetherlandsPopulation at start of year. Growth almost entirely from migration since 2015; ~169k births vs ~169k deaths annually.
18,1 mln▲ +0,3%
CBS bevolking →2026
Common questions
What is the modal income in the Netherlands in 2026?
€45.000 (2026). Modal is the most common income — not the average. Useful for "do I earn above or below normal?" Source: CBS / CPB.
How high is the minimum wage in the Netherlands in 2026?
€14,40 (2026). Statutory hourly minimum for workers 21+. Since 2024 published per-hour (used to be monthly). Updates Jan 1 and Jul 1. Source: Belastingdienst / SZW.
How much AOW does a single person receive in 2026?
€1.545 (2026). Gross AOW for single household at full build-up (lived in NL 50 years between age 17 and AOW age). Applies from AOW age (67 in 2026). Source: SVB.
How much AOW do partners receive together in 2026?
€1.050 (2026). Gross AOW per person if married/cohabiting. Together ~€2,100/mo. Reduced proportionally on partial build-up (2% per missing year). Source: SVB.
What is the average house price in the Netherlands in 2026?
€485.000 (2026). Average transaction price across all home types in NL. Amsterdam runs ~60% above national, Groningen ~40% below. Source: CBS / NVM.
What is the average free-market rent in the Netherlands?
€1.650 (2026). Free-market rent, national average. Amsterdam typically €25-30/m²/mo mid-segment. Social-rent cap 2026 around €925. Source: Pararius / NVM.
What is the average 10-year fixed mortgage rate?
3,50% (2026). Average rate new mortgage 10-yr fixed, NHG. Always stress-test your mortgage at +1pp — renewal can land there. Source: DNB / Hypotheek.nl.
What is the average savings rate in the Netherlands?
1,80% (2026). Average Dutch-bank rate on instant-access savings. Foreign brokers (Trade Republic, Lightyear) often ran ~1pp higher in 2024-2025. Source: DNB rentestanden.
What is the inflation rate in the Netherlands in 2026?
2,50% (2026). Harmonized consumer price index. 2022 spike (10%) driven by energy + food. Drives: rent-cap ceiling, AOW indexation, modal income projections. Source: CBS CPI.
What is the GDP per capita in the Netherlands?
€62.500 (2026). GDP divided by population. Netherlands sits consistently in top-10 globally, ~5-10% above EU average. Source: CBS — nationale rekeningen.
How high is unemployment in the Netherlands?
3,80% (2026). Unemployed workforce as % of total workforce. NL is among lowest in EU. Pre-COVID 2019 trough was a historic low. Source: CBS arbeidsmarkt.
What is the average student debt in the Netherlands?
€18.000 (2025). Average DUO debt at master's graduation. Income-based repayment over 35 years. Student debt partially counts against mortgage capacity. Source: DUO.
How much social welfare (bijstand) do you receive in 2026?
€1.400 (2026). Welfare for single 21+. For partners ~€2,000 together. Includes holiday allowance. Conditions: wealth <€7,575, insufficient other income. Source: Gemeente Amsterdam / SZW.
How high is the general tax credit in 2026?
€3.580 (2026). Maximum general tax credit under AOW age. Phases down above ~€26,000 income, disappears at ~€76,000. Directly reduces wage tax. Source: Belastingdienst.
What are the Box 1 tax brackets in 2026?
36,97% (2026). Rate for first two Box 1 brackets since 2020 (two-bracket system). Above €75,518 in 2026: 49.50%. Applies to wages, freelance profit, AOW. Source: Belastingdienst.