Buy or rent in De Baarsjes?
De Baarsjes · Amsterdam
De Baarsjes has gone from overlooked to sought-after, which shows in fast price growth off a lower base. That trajectory is exactly the case where a few years of appreciation can outrun the one-off buying costs — worth modelling before you decide.
What the calculator counts
Most buy-vs-rent tools stop at the mortgage payment. This one counts every Dutch cost and tax on both sides — overdrachtsbelasting, notary, VVE, OZB, maintenance, mortgage interest relief (hypotheekrenteaftrek), the eigenwoningforfait and Box 3 wealth tax on the renter's invested deposit — then compares how much wealthier you are after your chosen number of years in De Baarsjes.
De Baarsjes note: parts of Amsterdam are on erfpacht (ground lease). If your canon isn't bought off, add the annual amount in the calculator — it's a real recurring cost that renting avoids.