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COST Of Living In FINLAND 2024 (Guide)

Cost of Living in Finland

What is the Cost of Living in Finland Introduction

Hey Friends! The Cost Of Living In Finland Costs around $1,170 – $8,650 (€1,080 – €7,785) Per Month for a STRICT budget vs a LUXURY budget.

Welcome to our comprehensive guide on the Cost of Living in Finland! Picture yourself exploring a captivating land where rich heritage, stunning architecture, and mouthwatering cuisine intertwine.

In this guide, you will:

  • Gain insightful knowledge about Finland’s cost of living, covering essentials like housing, transportation, utilities, groceries, entertainment, and health insurance.
  • Access informative charts, invaluable tips, and engaging videos, enabling you to experience life across a budget range from $1,170 to $8,650 (€1,080 to €7,785) per month, tailored to your preferences.
  • Uncover thrilling outdoor pursuits suitable for both adventure seekers and tranquility searchers.
  • Discover local resources and local rental Websites to find reasonably priced accommodations.
  • Acquire information from reputable sources like official data, statistics, governmental agencies, and tourism organizations.
  • Receive guidance to seamlessly adapt, along with crucial health-related insights.

This guide is your compass to:

  • Savor Finland’s best without straining your finances.
  • Explore delightful activities and relish local cuisine.
  • Access credible information for a smooth transition.
  • Navigate your finances prudently with budgeting advice.
  • Cultivate a content and secure life in this enchanting country.

Even on a modest budget, you can lead a comfortable life in Finland with just $2,000 per month.

By the end, you will be equipped to relish Finland’s charms while making astute financial decisions. Whether you are a remote worker, expat, student, retiree, or just intrigued by Finland, we are here to assist.

With The Cost of Living in Finland Ranging from $1,170 – $8,650 (€1,080 – €7,785) Per Month, Finland offers diverse options.

In the upcoming articles, we’ll go into detail about the cost of living in specific Finnish cities in Finland like Helsinki, Tampere, Turku.


Table Of Contents

Table of Contents hide

Cost Of Living in Finland Quick Facts, Key Takeaways, Statistics, Data

Cost of Living in Finland Quick Facts

A breakdown of some key expenses: Total Monthly Cost of Living in Finland ranges from $1,170 – $8,650 (€1,080 – €7,785) Per Month.

Here are some quick facts about the cost of living in Finland:

  • For all expenses, and if you budget correctly, you can expect to spend $1,170 – $8,650 (€1,080 – €7,785) Per Month for all expenses.
  • The average monthly salary before taxes in Finland is approximately:
    • €3,500 per month
    • $3,710 per month
    • €42,000 per year
    • $44,520 per year
    • The monthly rent, food budget, housing expenses, and transportation options in Finland can all be determined based on your budget.
  • To maintain the same standard of life with $10,000 USD in New York City, an estimated $4,600 USD (EUR 4,000) is needed in Finland.
  • On average, the cost of living in Finland is 51% cheaper than in New York City, United States.
  • On average, rent in Finland is 71% lower than in New York City, New York, USA.
  • The cost of rent in Finland ranges from $700 – $3,320 Per month in USD.
  • Average Monthly Rent in Finland:
    • Studio Apartment: $700 – $1,000
    • 1 Bedroom Apartment: $1,000 – $1,500
    • 2 Bedroom Apartment: $1,300 – $2,000
    • 3 Bedroom Apartment: $1,800 – $2,500
    • Rent is higher in major cities like Helsinki and lower in smaller towns.
  • Grocery Costs in Finland:
    • $200 – $500 per month for one person
    • 400 – $600 per month for a couple
    • Groceries at markets like K-Supermarket and S-Market.
  • Transportation Expenses in Finland:
    • Public Transit: $50 – $100 per month
    • Taxi: $100+ per day
    • Car Rental: $300 – $500 per month
    • Gas: $1.50 – $2.00 per liter
  • Utilities in Finland:
    • Electricity: $70 – $150 per month
    • Heating: $60 – $120 per month
    • Water: $20 – $40 per month
    • Higher utility use during cold winters.
  • Internet and Communication in Finland:
    • Home Wifi: $20 – $50 per month
    • Mobile Phone (unlimited data): $20 – $40 per month
    • Providers include Telia, Elisa, DNA.
  • Healthcare in Finland:
    • Public healthcare through national insurance
    • Private insurance: $100 – $250 per month
  • Entertainment in Finland:
    • Eating out: $20 – $50 per meal
    • Movies: $15 – $20 per ticket
    • Concerts: $40 – $100 per ticket
    • Activities: Hiking, skiing, boating, often free or low-cost
  • Currency Exchange Rate:
    • 1 EUR = 1.06 USD
    • 1 USD = 0.93 EUR
  • Minimum Wage in Finland:
    • €10.20 per hour ($10.85 USD)
    • €1,736 per month ($1,840 USD)
  • Housing Market Trends in Finland:
    • Increased urbanization to cities like Helsinki
    • New construction focused on affordable apartments
    • Rising costs, especially in major metro areas
  • Tourist Spending in Finland:
    • Average per day: $100 – $250
    • Hotel night: $100 – $300
    • Meals: $40 – $80 per day
    • Activities: $50 – $150+ per day

Our Personal Costs of Living in Finland: Table of Expenses Breakdown 2024

Here’s a detailed breakdown of our monthly cost of living in Finland, including rent, utilities, gym, food, transportation, entertainment, and health insurance:

Here’s a breakdown of our monthly expenses while living in Finland:

Our Monthly Cost of Rent and Accommodation In Finland

My partner and I pay around $1,000 – $2,000 USD ($833 – €1,667 EUR) per month for our apartment rental and accommodation costs in Finland. We opted for a moderately priced 2 bedroom apartment in Helsinki.

The rent provides us with enough space and amenities for a comfortable lifestyle. Location was also key, as we wanted walkable access to public transit, restaurants, parks and shops.

While more central areas of the city have higher rents, we found a reasonable deal a bit further out. Overall, our rent strikes the right balance of affordability and meeting our housing needs.

Our Monthly Cost of Utilities In Finland

For utilities like electricity, heating and water, we budget $100 – $200 USD ($83 – €167 EUR) per month.

Coming from a warmer climate, we were initially surprised by how much electricity and heating is required during Finland’s cold winters.

But with some conservation efforts like lower thermostat settings, shorter showers, and efficient appliances, we’ve adapted.

Water is thankfully pretty inexpensive. All in all, utilities represent a small fraction of our overall Finland living expenses with some mindful usage.

Our Gym Cost per month In Finland

Keeping active is important to us, so we pay around $30 – $70 USD (€25 – €58 EUR) monthly for gym access.

We found an affordable Gym and MMA gym.

Sometimes we also take advantage of public parks and trails which provide free outdoor exercise options.

Overall, the reasonable gym membership fee fits easily into our Finland budget.

Our Monthly Cost of Food and Groceries In Finland

For two people, we spend around $300 – $500 USD (€250 – €417 EUR) per month on groceries and food in Finland.

Shopping at places like K-Supermarket and S-Market provides quality produce, dairy, meats and other staples at a fair price.

We cook meals at home to save money, allowing the occasional restaurant meal as a treat.

Trying traditional cuisine like smoked salmon, reindeer, and lingonberries has been fun. Overall, Finland’s grocery costs are on par with what we’re accustomed to.

Our Monthly Cost of Transportation In Finland

Getting around Finland costs us approximately $80 – $150 USD (€67 – €125 EUR) per month.

The city’s metro, bus and tram networks offer an affordable transportation option for around $60 monthly with a travel card.

We supplement public transit with walking and biking. For longer day trips, rental cars provide flexibility at reasonable day rates.

Taxis are quite expensive so we use them sparingly. On balance, Finland’s transportation network suits our needs at a budget-friendly rate.

Our Monthly Cost of Activities and Things To Do In Finland

We budget $150 – $300 USD (€125 – €250 EUR) monthly for activities, entertainment and things to do in Finland.

This allows us to explore Finland’s magnificent nature through outdoor pursuits like hiking, boating and camping for minimal cost.

We also enjoy cultural attractions like museums and festivals which offer student discounts.

Cooking classes, concerts, sporting events and social gatherings round out our monthly recreation.

There are abundant ways to experience Finland’s natural beauty and culture on a modest budget.

Our Monthly Cost of Health Insurance In Finland

As expats, having proper health insurance in Finland gives us peace of mind.

We pay around $100 – $200 USD (€83 – €167 EUR) per month for coverage. Our international policy from SafetyWing provides affordable coverage for under $100 monthly.

We also have supplementary local private insurance which was inexpensive. Healthcare costs in Finland are reasonable, so our dual insurance provides sufficient coverage.

Ensure you understand the specifics of your health insurance policy. Overall, we’ve been able to secure quality coverage that fits our budget.

Our Monthly Cost of Living in Finland Total

In total, Our Monthly Cost Of Living in Finland ranges from $1,760 – $3,320 USD (€1,467 – €2,767 EUR) Per Month.

This covers our essential needs like housing, food, transportation, recreation, insurance and other living costs.

Here is a table of Expenses of Our Cost of living in Finland:

Our Monthly Cost of Living in FinlandCost in USDCost in EUR (EUR)
Our Monthly Cost of Rent and Accommodation In Finland$1,000 – $2,000€833 – €1,667
Our Monthly Cost of Utilities In Finland$100 – $200€83 – €167
Our Gym Cost per month In Finland$30 – $70€25 – €58
Our Monthly Cost of Food and Groceries In Finland$300 – $500€250 – €417
Our Monthly Cost of Transportation In Finland$80 – $150€67 – €125
Our Monthly Cost of Activities and Things To Do In Finland$150 – $300€125 – €250
Our Monthly Cost of Health Insurance In Finland$100 – $200€83 – €167
Our Monthly Cost of Living in Finland Total$1,760 – $3,320€1,467 – €2,767

Monthly Cost of Living in Finland Cost Of Rent, Groceries, Transportation, Healthcare Breakdown: $1,170 – $8,650 (€1,080 – €7,785) Per Month

Monthly Cost of Living in Finland

You can live in Finland, for around $1,170 a month for all expenses on a tight budget or $8,650 a month if you want to live much more luxuriously. The Cost of living in Finland is from $1,170 – $8,650 (€1,080 – €7,785) Per Month.

The following is a breakdown of the average cost of living in Finland:

Cost of Rent (Studio apartment) in Finland

Renting a studio apartment in Finland typically costs between $700 – $1,500 USD per month ($630 – €1,350 EUR). The price depends on the location, with Helsinki and other major cities being more expensive. Smaller towns and rural areas generally have lower rental costs.

Rent usually includes utilities like electricity, heating and water. As a single person, a studio apartment provides a compact and affordable living option in Finland.

Cost of Rent (1 bedroom apartment) in Finland

A 1 bedroom apartment in Finland normally ranges from $1,000 – $2,200 USD per month ($900 – €1,980 EUR). Larger cities like Helsinki can be on the pricier end while smaller towns are cheaper.

Location, amenities and size determine the price. Renting a 1 bedroom gives you more space than a studio and is suitable for couples or single tenants.

Utilities are sometimes included in the rent. Overall, 1 bedroom apartments offer a reasonably priced rental option.

Cost of Rent (2 bedroom apartment) in Finland

For a 2 bedroom apartment in Finland, expect to pay around $1,300 – $3,000 USD monthly ($1,170 – €2,700 EUR).

Two bedrooms provide space for roommates or a small family. Prices vary based on location, size, amenities, etc. Major metro areas like Helsinki will be more expensive. Less populated regions have lower prices.

2 bedroom units allow you to split costs with a roommate. Many come with utilities included making them a practical rental choice.

Cost of Rent (3 bedroom apartment) in Finland

A 3 bedroom apartment in Finland normally ranges from $1,800 – $4,500 USD per month ($1,620 – €4,050 EUR).

They are ideal for larger families or sharing with roommates to split costs. Larger cities have premium pricing while smaller towns are more affordable.

Location, size, amenities determine the price. A 3 bedroom apartment provides ample space and storage. Many include utilities like electricity, heating, water.

Overall, 3 bedrooms work well for families or cost-sharing roommates.

Cost of Utilities (electricity, water) in Finland

If utilities like electricity, heating and water are not included in rent, expect to pay $100 – $250 USD per month ($90 – €225 EUR).

Consumption, housing size, number of residents, and energy rates determine the costs. Electricity and heating are used extensively during Finland’s cold winters.

Conserving energy helps lower utility bills. Water is relatively inexpensive. With mindful usage, utilities represent a small portion of overall living costs.

Cost of Mobile phone (unlimited data plan, Sim Card) in Finland

A mobile phone plan with unlimited data in Finland ranges from around $20 – $50 USD per month ($18 – €45 EUR).

Local providers like Telia, Elisa and DNA offer prepaid and contract options. Plans typically include calls, texts and generous data.

Bringing an unlocked international phone and getting a local SIM card is affordable. Alternatively, you can purchase a basic Finnish phone. With reasonable monthly rates, staying connected through a mobile phone is easy.

Cost of Internet (wifi) in Finland

Expect to pay $25 – $50 USD per month ($23 – €45 EUR) for home internet in Finland.

High speed fiber optic or cable plans with unlimited data are standard. Providers like Telia, Elisa and DNA offer competitively priced packages.

Internet is essential for work and leisure. Cafes, libraries, etc. have free public wifi. With affordable and reliable internet access, you can easily stay connected.

Mobile data plans also supplement your connectivity needs.

Cost of Food (groceries, dining out, Local Finnish Food) in Finland

Food costs in Finland range from $200 – $1,000 USD per month ($180 – €900 EUR) depending on lifestyle.

Groceries at supermarkets like K-Market and S-Market cost around $200-300 monthly.

Dining out at restaurants can add $500+ per month. Sampling traditional Finnish cuisine like smoked salmon, reindeer and rye bread is recommended.

Compared to other European countries, Finland has reasonable food prices. Careful budgeting and cooking at home helps lower costs further.

Cost of Transportation (Public transport, Taxi, Scooter, car) in Finland

Transportation costs vary from $50 – $1,000 USD monthly ($45 – €900 EUR) in Finland.

Public transport like trains, metro, buses and trams in bigger cities cost around $50-100 per month.

Taxis are convenient but expensive. Renting a car or scooter provides flexibility for approximately $300-500.

Owning a car including insurance, gas, parking etc. can cost $1,000+. Walking and biking are budget friendly options.

Overall, Finland has efficient and moderately priced transportation choices.

Cost of Healthy activities (gym, martial arts, yoga, massages) in Finland

Pursuing healthy activities in Finland like fitness, massage, martial arts, yoga, etc. ranges from $30 – $100 USD ($27 – €90 EUR) monthly.

Most cities have budget gyms starting around $30 per month. Yoga studios and martial arts classes average $50-70.

Therapeutic massages are $70-100+ per session. Outdoor activities like jogging, skiing, hiking, etc. are often free or low cost.

Overall, Finland enables reasonably priced access to stay active and healthy.

Cost of Health insurance (SafetyWing, World Nomads, or Cigna Global and Local options) in Finland

International health insurance in Finland costs approximately $45 – $250 USD per month ($40 – €225 EUR).

Affordable providers like SafetyWing start around $45 – $250 per month

Local private insurance is also available. Finland has quality affordable healthcare and universal coverage for residents.

So supplemental international insurance provides sufficient coverage for most. Ensure you understand policy limitations.

Total Monthly Cost Of Living In Finland

The total cost of living in Finland Per Month ranges from $1,170 – $8,650 USD ($1,080 – €7,785 EUR).

This covers essentials like housing, food, transport, utilities, health insurance and other living expenses.

Here are some additional tips for reducing your cost of living in Finland:

  • Live outside of the city center.
  • Cook at home instead of eating out and get groceries from the local markets and supermarkets.
  • Take advantage of public transportation.
  • Get a health insurance plan that covers international travel.
  • Be mindful of your spending and track your expenses.
  • By following these tips, you can save money and live comfortably in Finland.

A great monthly budget for a single person living in Finland is around $1,200 to $3,000 monthly.

The Cost of living in Finland table below is an extensive poll of Digital Nomads, Expats, travelers, our personal experience living here, Locals, and Numbeo users who were used to put this table together.

Table of expenses Breakdown for the cost of living in Finland per month:

Cost of Living in Finland BreakdownCost Range in USD ($)Cost Range in EUR (€)
Cost of Rent (Studio apartment) in Finland$700 – $1,500€630 – €1,350
Cost of Rent (1 bedroom apartment) in Finland$1,000 – $2,200€900 – €1,980
Cost of Rent (2 bedroom apartment) in Finland$1,300 – $3,000€1,170 – €2,700
Cost of Rent (3 bedroom apartment) in Finland$1,800 – $4,500€1,620 – €4,050
Cost of Utilities (electricity, water) in Finland$100 – $250€90 – €225
Cost of Mobile phone (unlimited data plan, Sim Card) in Finland$20 – $50€18 – €45
Cost of Internet (wifi) in Finland$25 – $50€23 – €45
Cost of Food (groceries, dining out, Local Finnish Food) in Finland$200 – $1,000€180 – €900
Cost of Transportation (Public transport, Taxi, Scooter, car) in Finland$50 – $1,000€45 – €900
Cost of Healthy activities (gym, martial arts, yoga, massages) in Finland$30 – $100€27 – €90
Cost of Health insurance (SafetyWing, World Nomads, or Cigna Global and Local options) in Finland$45 – $250€40 – €225
Total Monthly Cost Of Living In Finland$1,170 – $8,650€1,080 – €7,785

The Exchange Rate is $1 USD is currently equal to .90 EUR (EUR) This estimate is based on a Strict Budget Vs. A luxury Budget in Finland per Month! The Cost Of Living In Finland makes it possible to Live For $1,170 – $8,650 (€1,080 – €7,785) Per Month or more, depending on your spending habits! Check out the Currency Converter.

Here is the Table of the monthly Cost of living Per Person in Finland:

Cost of living Per Person in FinlandCost of Living (Monthly) in USD ($)Cost of Living (Monthly) in EUR (€)
Cost of Living for a Single Person in Finland$1,200 – $2,500€1,080 – €2,250
Cost of Living as a Couple in Finland$2,000 – $3,800€1,800 – €3,420
Cost of Living for a Family of Four in Finland$3,500 – $6,500€3,150 – €5,850

Average Cost of Living in Finland: Table of Expenses

Average Cost of Living Expenses in FinlandEstimated Cost Range in USDEstimated Cost Range in EUR
Average monthly rent for a studio$700 – $1,500€630 – €1,350
The average monthly cost for food and groceries$200 – $1,000€180 – €900
The average monthly cost of utilities$100 – $200€90 – €180
The average monthly cost of transportation$50 – $1,000€45 – €900
The total average monthly cost of living in Finland$1,050 – $3,700€945 – €3,330
Cost of Living Expenses in FinlandAverage Monthly Cost (USD)Average Monthly Cost (EUR)
Rent and Accommodation$900 – $3,000€810 – €2,700
Food and Groceries$300 – $600€270 – €540
Utilities$100 – $250€90 – €225
Public Transportation$50 – $100€45 – €90
Private Transportation (car ownership, fuel, etc.)$200 – $400€180 – €360
Healthcare$50 – $150€45 – €135
Entertainment$100 – $300€90 – €270
Clothing and Personal Items$50 – $100€45 – €90
Activities and Excursions$100 – $300€90 – €270

Cost of Housing and Rent In Finland In-Depth Summary And Table of Expenses

Cost of Housing and Rent In Finland

The cost of renting an apartment in Finland varies widely between major cities and rural areas, as well as factors like size, amenities, and proximity to transit.

However, Finland remains an affordable option compared to other European capitals. The average monthly rent for a centrally located one bedroom unit runs about $1000 – 2,000 USD.

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Getting outside urban centers can provide significant savings, with prices as low as $700 per month for a studio. With reasonable rents and high quality of life, Finland is an attractive choice for expats and students looking for a European experience.

Here is a breakdown of the average rent for different types of apartments in Finland:

Cost of a Studio Apartment in the City in Finland

Renting a studio apartment in a city center in Finland will cost you between $900 – $1,800 USD per month, or €810 – €1,620 EUR per month. The wide range accounts for the variance in rental prices depending on the exact location, size, amenities, and age of the apartment building.

City centers like Helsinki and Tampere command higher rents given their popularity and convenience. Newly constructed or renovated studio units with modern designs, appliances and in-building amenities like gyms and rooftop terraces fetch premium pricing. However, you can find more affordable options in older buildings further from the central downtown areas.

Overall, budget around $1,200 – $1,500 USD per month for a studio if you want a well-located unit with decent amenities.

Cost of a Studio Apartment outside the City in Finland

Renting a studio apartment in suburban or rural areas outside Finnish city centers costs approximately $700 – $1,300 USD per month, or €630 – €1,170 EUR.

Getting outside the metro area provides significant savings on rent. However, transit access declines the farther you go. Look for studios that are still within commuting distance of major public transportation like buses, trains or metro lines for the easiest access to jobs and activities.

Newer buildings in developing suburban areas offer the best value, with rent savings over city units but more modern construction. Overall, plan on a budget of $900 – $1,100 for a solid studio apartment located outside the city center but still with good regional transit connections.

Cost of a 1 Bedroom Apartment in the City in Finland

A one bedroom apartment located in a city center in Finland will run you about $1,200 – $2,400 USD per month, or €1,080 – €2,160 EUR.

One bedroom units command a premium over studios given the extra living space, separation of sleeping and living areas, and ability to host overnight guests. However, there is still a wide spectrum based on location, size, amenities and age. Units in newer upscale buildings in core downtown districts will fall at the top of the price range.

You can find much more affordable one bedroom apartments in older buildings located slightly farther from main tourist zones. Overall, budget around $1,500 – $2,000 USD per month for a well-located one bedroom apartment in the city center with decent amenities and condition.

Cost of a 1 Bedroom Apartment outside the City in Finland

Renting a one bedroom apartment in Finland’s suburbs or rural areas costs approximately $900 – $1,800 USD per month, or €810 – €1,620 EUR.

Getting outside city centers provides major savings on rent. However, assess transit access to ensure an easy commute. Proximity to commuter rail lines, metro stations or major bus routes will maximize convenience.

Newer buildings in developing suburban areas often offer high quality construction and finishes for much lower rent than urban units. Plan on budgeting around $1,200 – $1,500 USD per month for a one bedroom apartment outside the city center with good regional transit connections to access jobs and activities.

Cost of a 2 Bedroom Apartment in the City in Finland

A two bedroom apartment located in a city center in Finland averages between $1,500 – $3,000 USD in monthly rent, or €1,350 – €2,700 EUR.

Two bedroom units are in high demand given the ability to have a roommate and share costs or accommodate a small family. Rental pricing depends heavily on location, size, amenities and age, creating a wide spectrum.

New luxury buildings in core downtown districts fall at the top end. However, there are still deals on more affordable units in older buildings a bit farther from main tourist zones. Overall, budget $2,000 – $2,500 USD per month for a conveniently located two bedroom apartment in the city center with decent amenities.

Cost of a 2 Bedroom Apartment outside the City in Finland

The average rent for a two bedroom apartment located in Finland’s suburbs or rural areas is $1,200 – $2,400 USD per month, or €1,080 – €2,160 EUR.

Getting outside metro areas provides major savings over urban rental rates. However, check transit access to ensure an easy commute by rail, bus or car. Proximity to commuter infrastructure maximizes convenience.

Newer buildings in developing suburbs often provide high quality finishes and amenities without the premium pricing. Plan on budgeting around $1,500 – $2,000 USD per month for a two bedroom unit outside the city with strong regional transit connections for commute and errands.

Cost of a 3 Bedroom Apartment in the City in Finland

Renting a three bedroom apartment in a Finnish city center averages $2,100 – $4,200 USD per month, or €1,890 – €3,780 EUR.

Three bedroom units are in high demand for their ability to accommodate families, roommates or guests. Rental prices depend heavily on location, size, amenities and age. Brand new luxury buildings in core downtown districts will be at the top of the price range. However, there are still deals on older units located slightly farther from main tourist zones.

Budget around $2,500 – $3,500 USD per month for a conveniently located three bedroom apartment in the city center with decent amenities and condition.

Cost of a 3 Bedroom Apartment outside the City in Finland

The average monthly rent for a three bedroom apartment located in Finland’s suburbs or rural areas is $1,600 – $3,200 USD, or €1,440 – €2,880 EUR.

Getting outside metro areas provides major savings over urban rates. However, ensure easy regional transit access like commuter rail, express buses or highways for an easy commute. Proximity to transit infrastructure maximizes convenience.

Newer suburban buildings often offer high quality construction and finishes at much lower prices than urban rentals. Plan on budgeting approximately $2,000 – $2,500 USD per month for a three bedroom apartment outside the city with strong transit connections.

Cost of a Luxury Apartment in the City in Finland

Renting a luxury apartment in a city center in Finland will cost approximately $2,500 – $5,000 USD per month, or €2,250 – €4,500 EUR.

Luxury rentals feature ultra high-end finishes like granite counters, hardwood floors, floor-to-ceiling windows and designer fixtures. Buildings have resort-style amenities like rooftop pools, gyms, lounges and more. Units are concentrated in brand new towers in core downtown districts.

While expensive, these provide an opulent living experience in the heart of urban centers. Budget around $3,500 – $4,500 USD per month for a luxury high rise apartment in a prime location if seeking a premium urban living experience.

Cost of a Luxury Apartment outside the City in Finland

Luxury apartments located in Finland’s suburbs or rural areas average $2,000 – $4,000 USD per month to rent, or €1,800 – €3,600 EUR.

While still expensive, getting outside metro centers can save 15-25% off urban luxury rental rates. However, check transit access to ensure easy commuting. Proximity to rail lines, express buses and highways maximizes convenience.

Newly constructed suburban complexes offer resort-style amenities without the urban price premiums. Plan on budgeting around $2,500 – $3,500 USD per month for a luxury apartment outside the city center with premium finishes, amenities and strong regional transit access.

Monthly Cost Of Rent and Housing in Finland: Table of Expenses in 2024

Cost of Rent and Housing in FinlandMonthly Rent Cost (USD)Monthly Rent Cost (EUR)
Cost of a Studio Apartment in the City in Finland$900 – $1,800€810 – €1,620
Cost of a Studio Apartment outside the City in Finland$700 – $1,300€630 – €1,170
Cost of a 1 Bedroom Apartment in the City in Finland$1,200 – $2,400€1,080 – €2,160
Cost of a 1 Bedroom Apartment outside the City in Finland$900 – $1,800€810 – €1,620
Cost of a 2 Bedroom Apartment in the City in Finland$1,500 – $3,000€1,350 – €2,700
Cost of a 2 Bedroom Apartment outside the City in Finland$1,200 – $2,400€1,080 – €2,160
Cost of a 3 Bedroom Apartment in the City in Finland$2,100 – $4,200€1,890 – €3,780
Cost of a 3 Bedroom Apartment outside the City in Finland$1,600 – $3,200€1,440 – €2,880
Cost of a Luxury Apartment in the City in Finland$2,500 – $5,000€2,250 – €4,500
Cost of a Luxury Apartment outside the City in Finland$2,000 – $4,000€1,800 – €3,600

Here is a table of expenses for the Cost of rent and Accommodation in Finland per month:

Average Monthly Cost of Rent in FinlandAverage Monthly Rent Cost (USD)Average Monthly Rent Cost (EUR)
Studio Apartment inside the city center$900 – $1,800€810 – €1,620
Studio apartment outside the city$700 – $1,300€630 – €1,170
Shared room in the city center$500 – $1,000€450 – €900
A shared room outside the city$400 – $800€360 – €720
Hotel room (3-star, per day)$40 – $80 (per day)€36 – €72 (per day)
Hotel room (5-star, per day)$70 – $150 (per day)€63 – €135 (per day)
1 bedroom apartment in the city center$1,200 – $2,400€1,080 – €2,160
1 bedroom apartment outside the city$900 – $1,800€810 – €1,620
2-bedroom apartment inside the city$1,500 – $3,000€1,350 – €2,700
2-bedroom apartment outside the city$1,200 – $2,400€1,080 – €2,160
3-bedroom apartment inside the city$2,100 – $4,200€1,890 – €3,780
3-bedroom apartment outside the city$1,600 – $3,200€1,440 – €2,880
Luxury Apartment$2,500 – $5,000€2,250 – €4,500

Tips for finding affordable accommodation in Finland:

  1. Start Your Search Early: Begin looking for accommodation well in advance to secure better options and prices.
  2. Consider Suburbs and Outskirts: Explore areas outside the city center; they often offer more budget-friendly options.
  3. Utilize Local Rental Websites: Check out local rental websites like Vuokraovi and Oikotie for a wide range of rental listings.
  4. Connect with Locals: Join local social media groups and forums to get insights from residents on affordable housing options.
  5. Shared Accommodations: Consider shared housing or co-living spaces to save on rent and utility costs.
  6. Negotiate Rent Terms: Don’t hesitate to negotiate rental terms, especially for long-term stays.
  7. Student Housing: If you’re a student, explore student housing options provided by universities and institutions.
  8. Short-Term Rentals: Look into short-term rentals or sublets for flexibility and cost savings.
  9. Plan Ahead: Research and plan your accommodation needs well before your arrival to Finland.
  10. Read Reviews: Prioritize accommodations with positive reviews from previous tenants to ensure a pleasant stay.
  • To save money on your rental and daily expenses, consider looking for an apartment located in a neighborhood with access to local markets, gyms, and restaurants within short walking distances, and also make sure these are safe areas too.
  • You can also join Facebook groups such as “Digital Nomads in Finland”, “Expats in Finland” and Finland rental groups on Facebook to connect with others and potentially find affordable rental options.
  • Alternatively, consider staying at a Hostel, Airbnb, hotel monthly, homestay, guesthouse, or bed and breakfast in Finland for more affordable rates rather than a costly hotel or tourist location you can also ask around with locals and find a cheaper apartment that isn’t listed on websites.

Here are the sources for local rental websites in Finland:

  1. Vuokraovi.com: Vuokraovi
  2. Oikotie.fi: Oikotie
  3. Etuovi.com: Etuovi
  4. Tori.fi: Tori
  5. Kiinteistömaailma: Kiinteistömaailma

Where to Stay in Finland: Best Areas and Neighborhoods In Finland

Here are some of the best areas, cities, and neighborhoods to live in in Finland:

Helsinki

Helsinki, the capital and largest city of Finland, offers a vibrant urban lifestyle, cultural attractions, and abundant job opportunities. With diverse neighborhoods like the hip Kallio district and upscale Punavuori, Helsinki appeals to young professionals seeking an exciting city life.

The average monthly rent ranges from $1,200 – $3,000 USD or €1,080 – €2,700 EUR. Helsinki provides convenient public transportation, world-class dining, and northern European charm in a metropolitan setting.

Espoo

Just west of Helsinki, Espoo combines urban convenience with suburban charm. Known for excellent schools, high-tech companies, and easy access to nature, Espoo attracts families and professionals. Modern areas like Tapiola and Leppävaara have new housing, shopping, and leisure facilities.

The average monthly rent in Espoo falls between $1,000 – $2,500 USD or €900 – €2,250 EUR. With forests, parks, islands, and biking trails, Espoo offers a balanced lifestyle near Finland’s largest city.

Tampere

Situated between two lakes, Tampere in southern Finland boasts a strong economy focused on technology and research. As Finland’s third largest city, it hosts various cultural events and provides a full range of amenities. Popular residential districts include the historic Tammela and the modern Hervanta.

Average monthly rents range from $900 – $2,000 USD or €810 – €1,800 EUR. Tampere’s scenic lakeside location, vibrant urban energy, and excellent universities create an appealing environment.

Turku

Located on Finland’s southwest coast, the historic city of Turku offers a delightful maritime atmosphere alongside modern urban conveniences. As a major academic hub, Turku attracts students and professionals to its thriving culture and economy.

Diverse neighborhoods like Port Arthur and Kupittaa cater to different lifestyles. Average monthly rents fall between $800 – $1,800 USD or €720 – €1,620 EUR. With castle ruins, a vibrant riverfront, and Scandinavian charm, Turku blends old and new.

Oulu

Situated along Finland’s north coast, Oulu has emerged as a technology center focused on information and communications. Home to a highly-ranked university, Oulu attracts youthful residents and leading tech firms. Outdoor enthusiasts enjoy the forests, cycling routes, and waterways surrounding the city.

Lively neighborhoods include Hiukkavaara and Kaakkuri, with average monthly rents ranging from $800 – $1,500 USD or €720 – €1,350 EUR. Oulu offers the amenities and career opportunities of an urban hub combined with northern tranquility.

Jyväskylä

Centrally located in Finland’s lake district, Jyväskylä provides an exceptional quality of life amid beautiful natural surroundings. As a beloved university town, Jyväskylä brims with youthful energy and cultural happenings.

Areas like Kortepohja and Kuokkala appeal to students and families in search of affordable housing. Average monthly rents run $750 – $1,500 USD or €675 – €1,350 EUR. Jyväskylä’s strong education system, thriving economy, and abundance of outdoor activities make it a desirable place to live.

Rovaniemi

Situated right on the Arctic Circle, the northern city of Rovaniemi offers a unique Lapland experience marked by winter tourism and stunning natural vistas. As a gateway to Lapland adventures, Rovaniemi draws visitors from around the world.

Neighborhoods like Jätkänkynttilä and Eteläkeskus provide views of forests and northern lights. Average monthly rents range from $700 – $1,300 USD or €630 – €1,170 EUR. With its Santa Claus village and proximity to skiing, Rovaniemi provides singular northern charm.

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Table of Best Cities and Best Areas To Live in Finland:

Best Cities and Areas to live in FinlandDescriptionAverage Monthly Rent Range (USD)Average Monthly Rent Range (EUR)Additional Information
HelsinkiThe capital and largest city of Finland, offering a vibrant urban lifestyle, cultural attractions, and job opportunities. And the Cost of living in Helsinki Finland Is a lot cheaper than in New York City.$1,200 – $3,000€1,080 – €2,700Helsinki is known for its diverse neighborhoods, with Kallio and Punavuori popular among young professionals.
EspooLocated near Helsinki, Espoo offers a mix of urban and suburban living, excellent schools, and natural beauty.$1,000 – $2,500€900 – €2,250Espoo is known for its modern neighborhoods like Tapiola and Leppävaara.
TampereFinland’s third-largest city, Tampere boasts a strong economy, cultural events, and a beautiful lakeside setting.$900 – $2,000€810 – €1,800Popular neighborhoods include Tammela and Hervanta.
TurkuSituated on the southwest coast, Turku offers historical charm, a maritime atmosphere, and a thriving university scene.$800 – $1,800€720 – €1,620Turku’s neighborhoods like Port Arthur and Kupittaa provide diverse living options.
OuluIn northern Finland, Oulu is known for its technology hub, excellent education, and outdoor recreational opportunities.$800 – $1,500€720 – €1,350Lively neighborhoods include Hiukkavaara and Kaakkuri.
JyväskyläA central city with a strong academic presence, Jyväskylä offers a high quality of life, cultural events, and natural surroundings.$750 – $1,500€675 – €1,350Areas like Kortepohja and Kuokkala are favored by students and families.
RovaniemiLocated in Lapland, Rovaniemi is famous for its Arctic Circle crossing, winter tourism, and unique northern living experience.$700 – $1,300€630 – €1,170Rovaniemi offers neighborhoods with stunning natural views like Jätkänkynttilä and Eteläkeskus.

Living in Finland Credible Reliable Sources With Tourism, Data, Government

Here is a list of local apartment rental websites, Government resources for Visas, Facebook Groups, Tourism Boards, and more to help you with your potential move here!

I hope this can help you as you plan your move here!

Finland Expat Facebook Groups:

Finland Tourism: Finland Tourism Board

Finland Data:

Finland Embassy:

  1. Republic Of Finland Ministry of Culture and Tourism
  2. Government of Finland

Government of Finland: Republic of Finland, Prime Ministry

Finland Local Websites:

  • Vuokraovi.com: Vuokraovi is one of the most popular rental websites in Finland.
  • Oikotie.fi: Oikotie is another widely used platform for rental listings in Finland
  • Etuovi.com: Etuovi is a comprehensive real estate portal in Finland that includes rental listings for both residential and commercial properties.
  • Tori.fi: Tori is a classifieds platform in Finland where you can find rental listings for apartments, houses, and vacation rentals.
  • Kiinteistömaailma: Kiinteistömaailma is a Finnish real estate agency that provides rental listings for apartments and houses.

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  • Booking Flights: To Find insane flight deals, search on Google Flights, Skyscanner and choose the monthly option to find the best day to fly on.

Cost Of Transportation In Finland Summary and Table of Expenses

The cost of Transportation in Finland can cost around $70 – $1050 per month as you can get around well with public transportation, Bicycle, Renting a Scooter/Motorcycle, Renting a car, Taking the metro, Bus and Trains.

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Public and Private Transport:

Cost of Local Public Buses in Finland

Riding local city buses in Finland typically costs around $3 (€2.70) per ride. Major providers include HSL in the Helsinki region and TKL in Turku. Fares allow you to travel anywhere within city limits on local bus routes. Monthly travel cards can reduce costs to $30 – $90 (€27 – €81) for commuters taking 30+ trips.

Buses provide affordable transportation around metropolitan areas. Regular riders can save money with monthly passes. Validate tickets upon boarding and listen for your stop announcement.

Cost of Metro Transportation in Finland

The metro rapid transit system in Helsinki costs a flat fare of $3 (€2.70) per ride. The underground network is operated by HSL with scenic stations throughout the city center. Daily and monthly passes providing unlimited travel are available, reducing costs to $30 – $90 (€27 – €81) for frequent riders.

The metro is iconic transportation in Helsinki, getting you efficiently across the urban area. Purchase reloadable travel cards or single-ride tickets and validate them at the platform.

Cost of Trams in Finland

Trams or streetcars are found in cities like Helsinki and Turku for $3 (€2.70) per ride. HSL and TKL operate extensive old-fashioned tram networks that criss-cross local neighborhoods. Single tickets can add up, so consider a monthly pass for $30 – $90 (€27 – €81) if using trams regularly.

Traditional trams offer a unique transportation experience through charming city districts. Pay using reloadable travel cards, mobile apps or one-time paper tickets.

Cost of Commuter Trains in Finland

Commuter rail service by VR provides suburb-to-city transportation with fares starting around $5 (€4.50). Monthly passes offer savings for frequent riders, costing $50 – $150 (€45 – €135). Major lines run from Helsinki to nearby towns like Kirkkonummi, Kerava and Riihimäki.

Comfortable commuter trains connect greater metro regions. Purchase tickets at stations or via mobile app. Validate your ticket onboard and listen for your stop.

Cost of High Speed Trains in Finland

VR operates high speed intercity trains like the Pendolino. Point-to-point fares range from $15 – $50 (€14 – €45) with monthly passes from $100 – $300 (€90 – €270). Fast trains connect Helsinki to other cities like Tampere and Turku in under 2 hours. Book tickets in advance online for best pricing.

All seats are reserved. Arrive early and locate your seat. Stow luggage properly and enjoy the smooth ride.

Cost of Ferries in Finland

Ferries providing sea transportation between coastal cities cost around $10 – $30 (€9 – €27) per ride. Various operators serve routes like Helsinki-Tallinn, Turku-Stockholm and Helsinki-Mariehamn. Monthly travel can run $100 – $300 (€90 – €270). Relaxing ferries allow auto and passenger travel.

Book tickets in advance, arrive 30 minutes early, walk on and enjoy harbor views during your crossing.

Cost of Bike Sharing in Finland

Bike sharing systems let you rent bikes from $3 (€2.70) for 30 minutes. Major cities have schemes like CityBikes in Helsinki and Pikakala in Turku. Occasional 30 minute rides cost around $3. Frequent users can get day passes for $6 – $12 or monthly for $30 – $90 (€27 – €81).

Bike sharing provides active, eco-friendly transportation. Find stations on apps, unlock bikes and return to any station when done.

Cost of Taxis in Finland

Taxis are available for hire in all major Finnish cities, charging by the kilometer, around $1.50/km (€1.35/km).Average monthly spending on taxis ranges $100 – $300 (€90 – €270).

Leading operators include Taksi Helsinki and Kovanen. Taxis can be hailed on the street, booked by phone or mobile app. Confirm the fare upfront and pay by cash, card or app. Taxis provide personalized, direct trips.

Cost of Rental Cars in Finland

Major rental car companies like Avis, Budget and Hertz operate in Finland with rates around $30 – $80 (€27 – €72) per day, or $300 – $800 (€270 – €720) monthly.

Convenient for extended trips and travel between cities. Reserve vehicles online in advance for best prices. Validate your booking at pick up and inspect the vehicle. Follow signs or GPS to your destination. Refuel before dropoff and return on time.

Cost of Scooter Rentals in Finland

Electric scooter shares like TIER and Lime let you rent scooters for $0.15 – $0.25/minute (€0.13 – €0.22/min). Occasional 30 minute rides will cost around $5. Frequent riders can expect to spend $30 – $100 (€27 – €90) per month. Locate and unlock scooters using smartphone apps.

Wear a helmet and stay safe in bike lanes. Scooters are handy for short trips around downtown. End the ride through the app.

Cost of Motorcycle Rentals in Finland

Motorbike rental companies like EagleRider offer self-drive motorcycle rentals for around $20 – $100/day (€16 – €90/day), or $200 – $600 (€180 – €540) monthly. Convenient for scenic driving and freedom on the open road. Select your bike model and helmet online.

Validate your license and get oriented on pickup. Carefully follow all road rules and be alert in traffic. Return bikes undamaged and on time.

Here is a table of all estimated costs of the transportation options in Finland:

Transportation Options in FinlandDescriptionCost (USD)Cost (EUR)Monthly Cost (USD)Monthly Cost (EUR)Transportation Service Provider
Local BusesCity buses, regular routes$3.00€2.70$30 – $90€27 – €81HSL, TKL, etc.
MetroUnderground metro trains$3.00€2.70$30 – $90€27 – €81HSL
TramsElectric tram lines$3.00€2.70$30 – $90€27 – €81HSL, TKL
Commuter TrainsSuburban trains$5.00€4.50$50 – $150€45 – €135VR
High Speed TrainsInter-city bullet trains$15 – $50€14 – €45$100 – $300€90 – €270VR
FerriesBoats between harbor cities$10 – $30€9 – €27$100 – $300€90 – €270Various operators
Bike SharingPublic rental bikes$3.00 per 30 min€2.70 per 30 min$30 – $90€27 – €81CityBike, etc.
TaxisMetered cabs$1.50 per km€1.35 per km$100 – $300€90 – €270Taksi Helsinki, etc.
Rental CarsCar rentals$30 – $80 per day€27 – €72 per day$300 – $800€270 – €720Avis, Budget, Hertz, etc.
ScootersElectric scooter rentals$0.15 – $0.25 per min€0.13 – €0.22 per min$30 – $100€27 – €90TIER, Lime, etc.
MotorcyclesMotorbike rentals$40 – $100 per day€36 – €90 per day$200 – $600€180 – €540EagleRider, etc.

Additionally, here are some other related expenses:

  • Gasoline (1 gallon): around $5 – $7 per gallon.

Monthly Cost Of Gas and Petrol For Scooters and Cars in Finland:

Monthly Cost Of Gas and Petrol For Scooters and Cars in FinlandCost in USDCost in EUR (EUR)
The average monthly cost for gasoline, Petrol for Scooters and cars$80 – $250EUR 65 – EUR 220

For more information check out the Government Of transportation in Finland.

Here are some reliable sources for information on transportation in Finland:

  1. Finnish Transport Infrastructure Agency (FTIA): Official Website
  2. Helsinki Region Transport (HSL): Official Website
  3. VR – Finnish Railways: Official Website
  4. Finnair: Official Website
  5. Matkahuolto (Bus Services): Official Website
  6. Finnish Road Administration: Official Website

Cost of Food and Markets In Finland Explained: Table Of Expenses 2024

The cost of food in Finland can range from Affordable Grocery Shopping in Supermarkets and local markets to fine dining restaurants Here is the Breakdown for the cost of food in Finland:

Cost of Local food in Finland

Eating local Finnish cuisine at casual restaurants typically costs between $200 – $400 (€180 – €360) per month. Local favorites like salmon, reindeer, herring and berries are reasonably priced when in season. The average restaurant meal ranges from $10-20. Budget-friendly lunch options under $10 are readily available. Grocery shopping for local ingredients to cook at home can further reduce costs. Sticking to what’s in season, taking advantage of lunch specials, and buying local produce helps save on food.

Cost of Mid-range restaurants in Finland

Dining at mid-range restaurants in Finland will cost around $50 – $100 (€45 – €90) per month. These restaurants offer complete meals for $15-25 per person. This includes a variety of international and Finnish cuisines like Italian, Thai, hamburgers, and Scandinavian dishes. Opting for the daily lunch specials, tapas plates, or ordering appetizers as a meal keeps the cost down at nice restaurants. Going mid-range a couple times a month allows you to sample quality cuisine.

Cost of Fine dining restaurants in Finland

Fine dining at high-end restaurants in Finland costs between $100 – $250 (€90 – €225) per month. Meals easily run $30-50 at upscale restaurants in Helsinki and other major cities. The Michelin-starred Chez Dominique offers a world-class 10-course tasting menu for $180. While budgeting for an occasional upscale dining experience is worthwhile, everyday eating is more affordable at casual eateries. Reserving fine dining for special occasions helps manage the cost.

Cost of Groceries in Finland

Grocery costs in Finland range from $200 – $1000 (€180 – €900) monthly. Smaller households can shop for about $200 per month buying local produce and basics. Larger families spending closer to $1000 monthly, especially with imported and prepared items. Shopping sales, buying generics, and getting produce from markets reduces grocery bills. Higher-end stores like K-Supermarkets cost more than everyday chains like Lidl. Planning meals, making shopping lists, and not buying excess helps control supermarket spending.

Cost of Supermarkets (imported goods) per item

Imported grocery items at Finnish supermarkets usually cost $2 – $10 (€1.80 – €9) each. Foods brought in from abroad are more expensive than local goods. For example, a block of cheese may be $5 while imported chocolate bars are $2. Meat, fish, produce, dairy and baked goods from Finland cost less per item than imports. Checking for country of origin, buying seasonal, and choosing Finnish brands saves on groceries.

Cost of Street food in Finland

Street food and fast casual dining in Finland ranges from $5 – $15 (€4.50 – €13.50) per meal. Markets, food trucks and street vendors in cities like Helsinki offer quick budget-friendly foods like sausages, crepes, doughnuts for around $5-10 per person. Business areas filled with lunch crowds provide grab-and-go options under $10. Easy access to affordable snacks, meals and produce helps day-to-day food costs stay low.

Cost of Specialty food stores in Finland

Shopping at specialty food stores in Finland generally costs between $10 – $30 (€9 – €27) per month. Gourmet shops with imported cheeses, baked goods, wines and chocolates have premium pricing. However, exploring and picking up the occasional treat won’t break the bank. The Finlandia Cheese Shop in Helsinki offers fine Finnish cheeses like juustoleipa for under $5 per portion. Specialty food shops provide quality ingredients to spice up everyday eating.

Total Cost Of Food In Finland

The total monthly cost for food in Finland ranges from $300 – $1800 (€260 – €1620) per month. This covers groceries, restaurants, cafes, street food and more. Actual spending depends on lifestyle and eating habits.

Budget-conscious households can eat well on $300 per month by cooking at home and limiting dining out.

Higher-income households spending up to $1800 monthly likely eat out frequently and buy premium items.

The average Finnish family spends around $600 per month on all food. Careful meal planning, buying local seasonal produce, and choosing affordable eateries helps control food costs. Finland offers quality cuisine and ingredients for reasonable prices compared to other European countries.

Here is A Table of Expenses For the Cost of Food In Finland Per Month:

Cost of Food In FinlandMonthly Cost in USDMonthly Cost in EUR (€)
Cost of Local food in Finland$200 – $400€180 – €360
Cost of Mid-range restaurants in Finland$50 – $100€45 – €90
Cost of Fine dining restaurants in Finland$100 – $250€90 – €225
Cost of Groceries in Finland$200 – $1000€180 – €900
Cost of Supermarkets (imported goods) per item$2 – $10€1.80 – €9
Cost of Street food in Finland$5 – $15€4.50 – €13.50
Cost of Specialty food stores in Finland$10 – $30€9 – €27
Overall Monthly Cost of Food in Finland$300 – $1800€260 – €1620

Here are some tips for reducing the cost of food in Finland:

  1. Shop at local markets to find fresh, seasonal produce, meat, cheese and other foods at lower prices than supermarkets.
  2. Eat local Food
  3. Cook at home more often instead of eating out to control ingredients and save money per serving compared to dining out.
  4. Seek out discounts, coupons, loyalty programs and other bargains at grocery stores and markets.
  5. Buy generic and store-brand versions of items like pasta, sauces, spices, canned goods and snacks to save significantly.
  6. Purchase non-perishable staples like rice, beans, oil, detergent in bulk sizes to lower the overall cost per unit.
  7. Take advantage of manager markdowns on meat nearing expiration and utilize less expensive proteins like eggs and legumes.
  8. receive seasonal produce direct from local farms at a lower cost than supermarkets.
  9. Avoid pricey convenience foods, ready meals, frozen pizza and takeout by preparing your own snacks and meals.

Table of expenses for the average monthly food and grocery costs in Finland:

Average Cost of Food Expenses in FinlandMonthly Cost Range (USD)Monthly Cost Range in EUR (€)
The average monthly cost for groceries and local food$200 – $1000€180 – €900
The average monthly cost for dining out$250 – $350€225 – €315
The average monthly cost for miscellaneous food items$50 – $100€45 – €90
The total average monthly cost of food in Finland$200 – $,1000€180 – €1305

Table of The Costs for Food and Groceries in supermarkets in Finland:

Cost of Food and Groceries in FinlandCost In USD ($)Cost In EUR (€)
Meal, Inexpensive Restaurant$15 – $25€13 – €22
Meal for 2, Mid-range Restaurant$50 – $80€45 – €72
Combo Meal at McDonald’s or Similar$8 – $10€7 – €9
Coke/Pepsi (0.33-liter bottle)$2.50 – $3€2.20 – €2.70
Domestic Beer (0.5-liter draught)$6 – $9€5 – €8
Cappuccino (regular)$4 – $5€3.50 – €4.50
Bottled Water (0.33-liter bottle)$2 – $3€1.80 – €2.70
Milk (regular), (1 liter)$1 – $1.50€0.90 – €1.35
Loaf of Fresh White Bread (500g)$2 – $3€1.80 – €2.70
Rice (white), (1kg)$2 – $4€1.80 – €3.60
Eggs (regular) (12)$2 – $3€1.80 – €2.70
Local Cheese (1kg)$10 – $15€9 – €13.50
Chicken Breasts (Boneless, Skinless)$9 – $14€8 – €12.60
Beef Round (1kg)$12 – $18€10.80 – €16.20
Apples (1kg)$2.50 – $4€2.20 – €3.60
Banana (1kg)$2 – $3.50€1.80 – €3.15
Oranges (1kg)$2.50 – $4€2.20 – €3.60
Tomato (1kg)$2 – $3.50€1.80 – €3.15

Here is a Table of the Best Local and Traditional Street Food in Finland:

Local Traditional Street Food in FinlandDescriptionCost in USD ($)Cost in EUR (€)
KarjalanpiirakkaA Karelian pastry filled with rice porridge, mashed potatoes, or carrot and rice filling.$2 – $4€2 – €4
LohikeittoCreamy salmon soup typically made with fresh salmon, potatoes, leeks, carrots, and dill.$6 – $10€5 – €9
HernekeittoA hearty green pea soup often served with a dollop of mustard and a slice of crispy ham.$5 – $8€4 – €7
RuisleipäTraditional Finnish rye bread, often served with butter, cheese, or cold cuts.$2 – $4€2 – €4
LeipäjuustoAlso known as squeaky cheese, it’s a mild cheese traditionally served warm with cloudberry jam.$5 – $8€4 – €7
MustikkapiirakkaA delicious blueberry pie or tart, a beloved Finnish dessert, often served with vanilla sauce.$4 – $6€3 – €5
GrillimakkaraFinnish sausages, usually served with mustard and ketchup, often enjoyed at summer barbecues.$3 – $5€3 – €5
KalakukkoA traditional fish pie made with fish, pork, and a rye crust, often found in eastern Finland.$7 – $12€6 – €10
LihapiirakkaA Finnish meat pie filled with seasoned minced meat, often enjoyed as a savory snack.$3 – $5€3 – €5
KalapuikkojaDeep-fried fish sticks or nuggets, a popular street food near Finnish lakes and waterways.$6 – $10€5 – €9

Popular Supermarket Chains in Finland:

  1. K-Citymarket
  2. Prisma
  3. S-Market
  4. Alepa
  5. Lidl
  6. Sale
  7. Tokmanni
  8. Lidlinna
  9. Minimani
  10. Valintatalo
  11. Halpa-Halli
  12. R-kioski
  13. K-Market
  14. Neste K
  15. Alko

Cost of Utilities in Finland Summary and Table of Expenses 2024

Here is an estimated monthly cost breakdown of utilities in Finland, including electricity, gas, water, internet, and mobile phone services:

Cost of electricity/gas in Finland

The average monthly cost of electricity and gas for a household in Finland ranges from $50 – $120 (€45 – €110). The main electricity and gas providers are Fortum, Helen and Vattenfall. Costs vary depending on location, size of household, type of heating and overall consumption.

Those living in cities like Helsinki and using district heating can expect monthly electricity/gas bills on the lower end. Rural households with electric or oil heating may pay more. Checking tariffs and controlling usage can help manage electricity/gas costs.

Cost of Water utilities in Finland

Typical monthly water utility bills in Finland are $20 – $45 (€18 – €40). Water utilities are managed regionally by companies like HSY serving the Helsinki metropolitan area. Costs depend on household size, presence of water-intensive appliances like dishwashers and amount of usage.

Water rates are generally reasonable in Finland. Installing low-flow faucets and limiting excessive usage helps control costs. Water quality is excellent due to stringent quality standards.

Cost of Garbage Collection in Finland

Garbage collection fees in Finland range from $15 – $30 (€14 – €27) per month. Waste management is organized by local municipalities and cities. Costs vary based on location, household size, type of housing and amount of waste. Most communities use a pay-per-collection system with fees based on the number of trash bags or bins.

Recycling is encouraged by separating glass, metal, paper and biowaste. Reducing waste and recycling helps minimize garbage collection fees. Popular service providers include Ekokymppi in the Helsinki region.

Cost of Internet (ADSL, Wifi) in Finland

Basic ADSL broadband internet access in Finland ranges from $25 – $50 (€23 – €45) per month. Major telecoms like Elisa, DNA and Telia provide home internet services. Speeds, data caps and prices vary across providers. Entry-level ADSL connections start around 10-20 Mbps speeds with 100 GB data caps. Faster fiber-optic connections are more expensive.

Choosing lower speeds, comparing plans and bundles can save on home internet costs. Public wifi is widely available in cities.

Cost of Internet (Fiber Optic, Wifi) in Finland

High-speed fiber-optic internet ranges from $40 – $80 (€36 – €72) monthly in Finland. Speeds of 100 Mbps to 1 Gbps are common. Major telecoms offer fiber including Elisa, DNA and Telia. Fiber is generally available in larger cities and urban areas.

Prices depend on desired speeds, data amounts and bundled services like TV packages. VDSL provides a middle-ground around 50 Mbps speeds. Fiber-optic delivers extremely fast and reliable home internet ideal for heavy usage.

Cost of Mobile Phone Sim Card (Prepaid)

Prepaid SIM cards in Finland cost approximately $5 – $15 (€4 – €14). Leading providers like Telia, Elisa and DNA all offer prepaid options without contracts. SIM card rates include some initial calling credit. Top-ups can be done online or at convenience stores.

Prepaid works well for short-term visitors or those wanting flexibility. Plans often feature unlimited Finnish texts and discounted calling rates. Data packages available but often limited. Good option for minimal mobile usage.

Cost of Mobile Phone Plan (Postpaid)

Postpaid mobile phone plans in Finland range from $20 – $40 (€18 – €36) monthly. Major carriers like Telia, Elisa and DNA offer contract phone plans. Includes unlimited domestic calls and texts plus data allotment from 10 to 100+ GB depending on price.

Bring your own device or purchase a subsidized phone. Midrange plans with 5G around 10 GB data are common. Additional data can be purchased if needed. Good option for regular use within Finland.

Cost of Mobile Phone Plan (Unlimited)

Unlimited data plans cost approximately $30 – $60 (€27 – €54) per month. Elisa, Telia and DNA provide unlimited plans with uncapped data usage. Speeds may be reduced after exceeding certain thresholds around 50-100 GB. Includes unlimited domestic calls and messages.

Most expensive but best for heavy mobile data usage. Ensure coverage is adequate in your location first. Unlimited plans common in cities. Confirm any fine print exceptions.

Total Cost of Utilities in Finland

The Total monthly cost for utilities in Finland ranges from $185 – $375 (€168 – €342). This includes electricity, gas, water, waste removal, internet, and mobile phone services for a household.

Actual costs vary depending on usage, location, housing type, provider plans and other factors. However, Finland generally has reasonable utility rates compared to other European countries

Tips for reducing your utility expenses in Finland:

  1. Energy-Efficient Appliances: Invest in energy-efficient appliances for your home. Look for appliances with high energy efficiency ratings, such as A+++ for washing machines and refrigerators. These appliances consume less electricity, ultimately lowering your energy bills.
  2. LED Lighting: Replace traditional incandescent bulbs with LED lighting. LED bulbs are more energy-efficient and have a longer lifespan. They may cost a bit more initially, but the energy savings make them a wise choice.
  3. Proper Insulation: Ensure your home is well-insulated to prevent heat loss during the cold Finnish winters. Proper insulation in walls, windows, and doors helps maintain a comfortable temperature indoors, reducing the need for heating.
  4. Smart Thermostats: Install a smart thermostat that allows you to control your heating system remotely. You can adjust the temperature when you’re away from home, ensuring that you only heat the space when necessary.
  5. Seal Gaps and Leaks: Check for gaps and leaks in doors and windows. Use weatherstripping and sealants to eliminate drafts, which can lead to energy wastage and higher heating costs.
  6. Opt for Green Energy: Consider switching to green energy sources, such as wind or solar power, offered by some energy providers in Finland. It’s an eco-friendly choice and may lower your energy bills over time.
  7. Water-Saving Fixtures: Install water-saving fixtures in your bathroom and kitchen. Low-flow faucets, showerheads, and dual-flush toilets reduce water consumption and, in turn, your water bills.
  8. Unplug Electronics: Unplug electronic devices and chargers when they’re not in use. Many appliances consume “standby power” even when turned off, contributing to your electricity bill.
  9. Set Temperature Moderately: Keep your home at a moderate temperature. In the winter, lowering the thermostat by just a few degrees can result in significant energy savings. In the summer, use fans and natural ventilation before resorting to air conditioning.
  10. Regular Maintenance: Schedule regular maintenance for your heating and cooling systems. Well-maintained equipment operates efficiently and consumes less energy.

Estimated table of expenses for the average monthly Cost of utilities in Finland:

Monthly Cost of Utilities in FinlandMonthly Cost (USD)Monthly Cost in EUR (€)Service Provider
Cost of electricity/gas in Finland$50 – $120€45 – €110Fortum, Helen, Vattenfall
Cost of Water utilities in Finland$20 – $45€18 – €40Local water utilities (e.g., HSY in Helsinki)
Cost of Garbage Collection in Finland$15 – $30€14 – €27Local waste management companies (e.g., Ekokymppi)
Cost of Internet (ADSL, Wifi) in Finland$25 – $50€23 – €45Elisa, DNA, Telia
Cost of Internet (Fiber Optic, Wifi) in Finland$40 – $80€36 – €72Elisa, DNA, Telia
Cost of Mobile Phone Sim Card (Prepaid)$5 – $15€4 – €14Telia, Elisa, DNA
Cost of Mobile Phone Plan (Postpaid)$20 – $40€18 – €36Telia, Elisa, DNA
Cost of Mobile Phone Plan (Unlimited)$30 – $60€27 – €54Telia, Elisa, DNA
Total Cost of Utilities in Finland$185 – $375€168 – €342

Here are some reliable sources for utilities in Finland, including electricity, water, mobile phone plans, and internet WiFi:

  1. Electricity:
    • Finnish Energy: Finnish Energy provides information about electricity supply and services in Finland.
  2. Water:
  3. Mobile Phone Plans:
    • DNA: DNA offers mobile phone plans and internet services in Finland.
    • Elisa: Elisa is a leading telecommunications company providing mobile, broadband, and TV services.
    • Telia Finland: Telia offers mobile and fixed-line services, including phone plans and internet packages.
  4. Internet WiFi:
    • Elisa: Elisa offers broadband and WiFi services for homes and businesses.
    • Telia Finland: Telia provides internet and WiFi solutions for residential and corporate customers.
    • DNA: DNA offers broadband and WiFi services, including fiber-optic connections.

Pros and Cons of Living in Finland: Is it the Right Choice for You?

Finland is an incredible country to Live in; here are the pros and cons of living in Finland:

Pros and Cons of Living in Finland Table Comparison:

Pros of Living in FinlandCons of Living in Finland
High-Quality EducationCold Winters
Universal HealthcareLanguage Barrier
Natural Beauty and Clean EnvironmentLimited Daylight in Winter
Low Crime RateHigh Cost of Living
Work-Life BalanceSocial Interaction
Affordable Cost of Living Compared to NYCLimited Job Opportunities for Non-EU/EEA
Technological AdvancementsBureaucracy
Efficient Public TransportationAlcohol Regulations
Cultural DiversityShort Summer Season
Outdoor ActivitiesDarkness in Winter Months

Cost of Healthcare in Finland

Here are some key aspects of Finland’s public healthcare system:

  1. Universal Coverage: Finland’s public healthcare system provides universal coverage, ensuring that all residents have access to essential medical services.
  2. Funded by Taxes: The system is primarily funded through taxes, which contribute to its sustainability and affordability.
  3. Primary Care Focus: Finland places a strong emphasis on primary care, with general practitioners serving as the first point of contact for most medical needs.
  4. Low Out-of-Pocket Costs: Patients enjoy low out-of-pocket expenses for doctor visits, hospital stays, and essential medications.
  5. Comprehensive Services: The system offers comprehensive medical services, including preventive care, specialist consultations, and hospital treatments.
  6. High-Quality Care: Finland’s healthcare consistently ranks among the world’s best, with well-trained medical professionals and state-of-the-art facilities.
  7. Short Wait Times: Patients typically experience short wait times for elective surgeries and specialist appointments, ensuring timely access to care.
  8. Patient Choice: Individuals have the freedom to choose their healthcare providers, fostering competition and quality improvement.
  9. eHealth Initiatives: Finland embraces technology with eHealth solutions, such as electronic health records, enhancing efficiency and patient care.
  10. Health Promotion: The system places a strong emphasis on health promotion and disease prevention to improve overall population health.

SafetyWing Insurance is a cutting-edge travel insurance option crafted with the needs of adventurers, nomads, and remote professionals in mind. Whether you’re embarking on a year-long adventure, exploring new territories for work, or jetting off for business purposes, SafetyWing provides an all-encompassing coverage package to ensure your safety and peace of mind throughout your voyage.

Here are just a few reasons why you should Try SafetyWing Insurance for your next trip:

  1. Global Coverage: SafetyWing insurance covers you anywhere in the world, including countries that many other insurance companies exclude.
  2. Affordable: SafetyWing offers affordable, more cost-effective insurance options than many other travel insurance plans.
  3. Easy to Use: With SafetyWing, you can sign up, manage your policy, and file claims all from the comfort of your phone or computer.
  4. Wide Range of Coverage: SafetyWing offers coverage for a variety of events, including medical emergencies, trip cancellations, lost or stolen property, and more.
  5. 24/7 Support: SafetyWing provides 24/7 support to its customers, so you can get help when you need it, no matter where you are in the world.

We suggest you also have it, especially if you live as an expat and digital nomad in Finland.

We always use SafetyWing for international travel insurance and medical concerns. They start at $45 a month!

Table of Cost of Healthcare in Finland:

Cost of Healthcare in Finland if you don’t have insurance and aren’t a citizen or resident of Finland

Cost of Healthcare in FinlandCost in USD ($)Cost in EUR (€)
Doctor’s Visit (General Practitioner)$60 – $80 (per visit)€50 – €70 (per visit)
Specialist Visit$80 – $120 (per visit)€70 – €100 (per visit)
Prescription Medications (Generic)VariesVaries
Prescription Medications (Brand Name)VariesVaries
Dental Cleaning$80 – $150 (per visit)€70 – €130 (per visit)
Dental Filling$150 – $250 (per filling)€130 – €220 (per filling)
Eye Exam$80 – $120 (per exam)€70 – €100 (per exam)
Glasses (Basic)$150 – $300 (per pair)€130 – €260 (per pair)
Glasses (Designer)$300 – $600 (per pair)€260 – €520 (per pair)
Emergency Room Visit$250 – $400 (per visit)€220 – €350 (per visit)
Hospital Stay (Per Day)$500 – $800 (per day)€440 – €700 (per day)
Health Insurance (Individual)$45 – $250 (monthly)€40 – €220 (monthly)

Main FAQS Section About The Cost of living in Finland:

What is the monthly cost of living in Finland?

The cost of living in Finland on average, is around $1,170 – $8,650 (€1,080 – €7,785) Per Month.

What is the Cost Of Living in Finland vs. the USA?

The Cost Of Living in Finland is around 51% cheaper than living in New York City, USA, and the average monthly Cost of living in Finland is $1,170 – $8,650 (€1,080 – €7,785) Per Month in Finland vs $5,500 to $10,398 per month living in New York City, United States.

What is the Cost of Accommodation in Finland?

The Cost of Accommodation in Finland costs around $170 – $3,500 Per month from a simple studio to a Luxury 3+ bedroom apartment.

When is the best time of year to visit Finland?

The Best Time to Visit Finland is From April to September When it is the Warmest.

What is the Cost of Utilities in Finland?

The Cost of Utilities in Finland cost around $100 – $250 per month, depending on your energy consumption!

What is the Cost of Food in Finland vs the USA?

Food in Finland can cost you around $200 if you get groceries to cook and local food and up to $1,000 if you dine out frequently and have a Large family.

What is the Cost Of Rent in Finland vs. the USA?

Rent prices are 71% lower in Finland than in New York City.
Studio Apartment: $700 – $1,000
1 Bedroom Apartment: $1,000 – $1,500
2 Bedroom Apartment: $1,300 – $2,000
3 Bedroom Apartment: $1,800 – $2,500

What is the average cost of Rent In Finland?

The Average cost of rent in Finland is around $700 to $3,000 Per Month in Finland.

What is the Cost of Mobile Phone Plan and Internet Data In Finland?

The Cost of Phone Data and internet from Finland is around $20 to $80 per month.

What is the Average Cost of Food in Finland?

The average Cost of Food in Finland costs around $200 – $500 per month for one person or a couple if you cook at home and eat local food with the exception of dining out a few times a month.

Is Finland a safe place to live?

Yes, Finland is considered a safe place to live and one of the safest countries to Live in the world to Live. However, you must watch what you do and who you trust and be alert just like anywhere in the world.

What are the Expenses for a Single Person in Finland?

The expenses for a Single Person in Finland are from $1,170 – $8,650 (€1,080 – €7,785) Per Month for all expenses.

What is the average salary in Finland?

The average monthly salary (before taxes) in Finland is around 3,500 (EUR), which roughly translates to $3,750.

Is it expensive to live in Finland?

Yes It can be expensive to Live in Finland but you can be affordable if you know how to budget and it is cheaper than a lot of European Countries you can expect to spend $1,170 – $8,650 (€1,080 – €7,785) Per Month in Finland. The cost of living in Finland is about 51% lower than in New York City.

What is a good salary to live in Finland?

A great Salary to live on in Finland is around $3,500 to $6,200 per month. This will cover all expenses and leave you with money you can spend on leisure activities.

How Much does it cost to live in Finland?

On average, living in Finland costs around $1,170 – $8,650 (€1,080 – €7,785) Per Month.


Conclusion and Final Budget Tips for the Cost of Living in Finland:

Embarking on your journey in Finland promises a remarkable experience, and by prioritizing safety, budgeting wisely, and embracing local insights, your time here can truly be exceptional. Here’s a comprehensive conclusion with additional insights to enhance your guide:

Prioritize Your Safety: Ensuring your safety while in Finland is of utmost importance. Here are some extra safety measures to keep in mind:

  1. Stay Attentive to Your Surroundings: Maintain situational awareness to identify potential risks and remain vigilant.
  2. Guard Your Belongings: Secure your personal items and avoid leaving them unattended in public spaces to prevent theft.
  3. Choose Reliable Transportation: Opt for licensed and reputable transportation services to ensure safe journeys.
  4. Avoid Dim or Isolated Areas: Stick to well-lit and populated areas, particularly after dark, to minimize any security concerns.
  5. Exercise Caution with Strangers: Be cautious when interacting with unfamiliar individuals and refrain from sharing personal information.
  6. Respect Local Norms: Familiarize yourself with local laws and customs to steer clear of unintentional misunderstandings.
  7. Emergency Contact Information: Memorize the local emergency number, 112, for prompt police, fire, and ambulance assistance.
  8. Moderate Alcohol Consumption: If consuming alcohol, do so responsibly to avoid accidents or uncomfortable situations.
  9. Invest in Travel Insurance: Considering travel insurance like SafetyWing can provide coverage for medical emergencies and safeguard your belongings.

Maximize Your Experience: To make the most of your time in Finland while staying within budget, follow these tips:

  1. Explore Local Markets: Shop at local markets for fresh produce and affordable goods to keep your grocery costs in check.
  2. Public Transportation: Utilize the efficient public transportation system to save on commuting expenses.
  3. Cultural Immersion: Engage with the local culture through free or low-cost activities, such as visiting museums, attending festivals, and exploring historical sites.
  4. Cook at Home: Prepare your meals at home to save money and savor Finnish cuisine.
  5. Shared Accommodations: Consider shared housing options or rental websites to find affordable living spaces.
  6. Plan Excursions: Research and plan your trips in advance to avail of discounts and special offers.

Finding Affordable Accommodations in Finland:

Here’s how you can find budget-friendly accommodations in Finland:

  1. Start Early: Begin your accommodation hunt well ahead of time for better options.
  2. Explore Different Neighborhoods: Look beyond the city center for more economical living choices.
  3. Utilize Local Websites: Tap into Finland’s local rental websites:
    • Vuokraovi.com: Vuokraovi is one of the most popular rental websites in Finland.
    • Oikotie.fi: Oikotie is another widely used platform for rental listings in Finland
    • Etuovi.com: Etuovi is a comprehensive real estate portal in Finland that includes rental listings for both residential and commercial properties.
    • Tori.fi: Tori is a classifieds platform in Finland where you can find rental listings for apartments, houses, and vacation rentals.
    • Kiinteistömaailma: Kiinteistömaailma is a Finnish real estate agency that provides rental listings for apartments and houses.
  4. Connect with Locals: Engage with local communities through social media groups and forums to gain valuable insights.
  5. Consider Room Sharing: Opt for shared accommodations or co-living spaces to cut down costs.
  6. Negotiate the Rent: Don’t shy away from negotiating rent terms, especially for long-term stays.
  7. Check Student Housing: Explore student housing options for budget-friendly and vibrant living.
  8. Look for Short-Term Rentals: Short-term rentals and sublets can offer flexibility and affordability.
  9. Use Online Travel Agencies: Some online travel agencies provide vacation rentals and serviced apartments.
  10. Read Reviews: Prioritize accommodations with positive reviews from previous tenants.

Government and Travel Advisories for Finland:

For your convenience and safety, here are important sources of government and travel advisories:

  • Government of Finland: Access a wide range of government services through the official Finnish government website: Finland Government.
  • Travel Information for Finland – United States Government: Stay up-to-date with travel advisories from the U.S. Department of State: U.S. Travel Advice for Finland.
  • Travel Information for Finland – United Kingdom Government: Refer to travel advice from the UK Government: UK Travel Advice for Finland.
  • Travel Information for Finland – Australian Government: Get comprehensive travel advice from the Australian Government: Australia Smartraveller Advice for Finland.

Related articles about Finland:

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