https://en.m.wikipedia.org/wiki/Tiled_web_map
For standard tile sizes.... Zoom level 0 the whole world, zoom level 20 house rooftop will take up most of the screen.
For the USA state level, or say most of Europe, level 5 or 6 works well as a minimum zoom.
Level 16 or 17 is usually enough for max zoom. Each higher zoom level gets geometrically more expensive in terms of data storage. You could wait days for level 20 to to be built, and it will be correspondingly large in storage usage.
On the Osmand app interface, the zoom level appears momentarily on the left bottom side just over the 3 bar main menu button. I think you must have the scale bar enabled in the display settings. It displays a fractional part, which I don't understand and just ignore. Somebody else might explain it's meaning, but it does not seem to relate to basic "slippy map"
(rates map) File storage.
Of course tile size can greatly influence the geometry. If you are trying to tile a historical single image paper map as a large tile size, increasingly higher zoom levels will get increasingly blurry. That's just a limitation of the raster method. Vector maps can stay clear at all zoom levels, which a much lower storage penalty. Vector maps cost more in computation, and less in storage.
My setup always momentarily displays zoom levels in two parts like 12 4, that I presume is zoom level 12. The 4 stays the same at all zoom levels. I thought this "4" might be indicative of overzoom level (press and hold + icon for overzoom), but that does not seem to be the case.
The zoom level indicator only flashes on momentarily as you zoom. The black font color can be hard to see with dark background maps.