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Neighbourhoods · Zutphen6 neighbourhoods

Neighbourhoods in Zutphen

Zutphen has 6 neighbourhoods in our database. Average property values (WOZ) sit at €335.667, ranging from €257.000 in Waterkwartier to €409.000 in Warnsveld. The average livability score is 3.0 out of 5. Whether you're an expat looking for a central, well-connected area or a quieter family-friendly neighbourhood, use the filters below to compare on price, safety, and livability.

Highlights
Most affordable

Waterkwartier

€257.000

Most expensive

Warnsveld

€409.000

Safest neighbourhood

Zuidwijken

3.0/5

Highest livability

Zuidwijken

3.0/5

Compare neighbourhoods
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Centrum - De Hoven
Leesten
Noordveen
Warnsveld
Waterkwartier
Zuidwijken

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Frequently Asked Questions

What does a home in Zutphen cost?

Average WOZ value

€335,667

The WOZ value is the municipality's own valuation, set as of 1 January the previous year. In a rising market asking prices in Zutphen usually sit above it — treat this as a floor, not a market value.

Gross annual income needed to borrow that amount

€61,000

One income, no student debt or other loans, 30-year annuity at 4.5%, using the 2026 Nibud standards. Buyer's costs come on top and cannot be added to the mortgage. On two incomes the bar is lower.

Work out what you can borrowValue check on an address in Zutphen

Further reading

What is the WOZ value and why does it matter?

The WOZ value determines your municipal taxes and is used by banks as an indication of property value.

How does bidding on a house work in the Netherlands?

Unlike many countries, the asking price in the Netherlands is often just a starting point for negotiation.

Buyer’s costs (k.k.) — what do you pay on top?

Budget 4–6% on top of the purchase price. Here’s an overview of all additional costs.

Work out the numbers:How much can I borrow?Do I qualify for NHG?Buying here as an expat