For foreigners planning to move to Finland, understanding the cost of living in different cities is essential. This article compares the cost of living in Finland’s largest cities, focusing on average monthly net salary and key expenses such as housing, utilities, and groceries.
While Helsinki is typically the most expensive, smaller cities like Oulu and Turku offer more affordable options for expats.
Helsinki
The capital of Finland, is the country’s largest city, known for its modern architecture, and coastal charm. As the political and economic center, it attracts many international professionals. City is also offering a high quality of life and excellent public services.
However, living in Helsinki comes with higher costs compared to other Finnish cities. Housing is the biggest expense, with rental prices for a one-bedroom apartment in the city center around 1 050 € per month. Rental prices for three-bedrooms apartment in the city centre are around 1 774 € per month. Utilities, transportation, and groceries also tend to be more expensive, making Helsinki the priciest city in Finland. Average montly net salary 2 710 € in the capital help balance out the costs for many residents.
Espoo
Espoo, located right next to Helsinki, is Finland’s second-largest city and a major hub for technology and business. Known for its beautiful natural surroundings and numerous international companies. Espoo offers a mix of urban and suburban living, making it a popular choice for both locals and expats.
In terms of cost, Espoo is slightly more affordable than Helsinki, but still relatively expensive. Housing remains a significant expense, with rental prices for apartments generally lower than in the capital. For a one-bedroom apartment in the city center around 1 042 € per month and for a three-bedrooms apartment around 1 748 € per month. Utilities, groceries, and transportation costs are similar to Helsinki, though the slightly lower rents and living expenses make Espoo a more budget-friendly option for those wanting proximity to the capital.
Turku
Turku, Finland’s oldest city, is located on the southwestern coast and boasts a rich history, vibrant student population, and picturesque riverfront. With its strong cultural scene and status as a major seaport, Turku offers a unique mix of tradition and modernity.
In terms of cost of living, Turku is more affordable than Helsinki but still has relatively high living costs compared to other regional cities. Rental prices are more reasonable, especially for those living outside the city center. While utilities, groceries, and public transport costs are comparable to other large Finnish cities, Turku’s lower housing costs make it an attractive option for expats.
Tampere
Tampere, Finland’s third-largest city, is known for its industrial heritage and vibrant cultural scene. Situated between two lakes, it offers a unique blend of nature and urban life, making it an attractive destination for both students and professionals. The city is home to many tech companies and has a growing reputation as a center for innovation.
Living in Tampere is generally more affordable than in Helsinki and Espoo. Housing is more reasonably priced, with lower rental costs. Other expenses also tend to be cheaper, making Tampere a popular choice for expats seeking a high quality of life at a lower cost.
Oulu
Oulu, located in northern Finland, is known for its tech-driven economy and natural beauty. As the largest city in Northern Finland. Oulu combines a peaceful lifestyle with a thriving technology sector, making it popular among both professionals and families. The city also offers easy access to outdoor activities like hiking and skiing.
The cost of living in Oulu is considerably lower than in southern cities like Helsinki or Espoo. Rental prices are cheaper, and other expenses are generally more affordable. Oulu is a great choice for those looking to live in Finland on a tighter budget without compromising on quality of life.
Rovaniemi
Rovaniemi, the capital of Finnish Lapland, is famous for its Arctic beauty and status as the official hometown of Santa Claus. Located just below the Arctic Circle, it offers a unique blend of natural wonders, from the Northern Lights to midnight sun, and a peaceful lifestyle. The city attracts a growing number of tourists and students, making it a vibrant yet tranquil place to live.
In terms of cost of living, Rovaniemi is more affordable than major southern cities like Helsinki or Espoo. Rental prices are considerably lower, especially outside the city center. Utility costs can be higher due to the colder climate, but other daily expenses like groceries and transportation are generally more reasonable. For expats seeking a quieter, nature-filled lifestyle, Rovaniemi offers a great balance between affordability and quality of life.
Cost of living in Finland’s largest cities
To help you compare the cost of living in Finland, I’ve compiled a table outlining key expenses such as rent, utilities, and groceries. Alongside these costs, we’ve also included the average monthly net salary and average annual temperature for each city. Comfort and climate can be just as important as budget when choosing your new home. This overview will give you a better understanding of not only the financial aspects but also the quality of life that each city has to offer.
| City | Helsinki | Espoo | Turku | Tampere | Oulu | Rovaniemi |
| Average monthly net salary | 2710€ | 2927€ | 2659€ | 2743€ | 2513€ | 3150€ |
| 1 bedroom apartment in city centre | 1050€ | 1042€ | 705€ | 798€ | 643€ | 605€ |
| 3 bedrooms apartment in city centre | 1774€ | 1748€ | 1183€ | 1367€ | 1141€ | 1300€ |
| Basic utilities (85m) | 122€ | 116€ | 180 € | 67€ | 89€ | 89€ |
| Meal – inexpensive restaurant | 16€ | 15€ | 13€ | 13€ | 16€ | 15€ |
| Average temperature (Year) | 6,2°C | 6,0°C | 5,8°C | 4,9°C | 3,2°C | 0,8°C |
Thank you for taking the time to read our guide on the cost of living in Finland. We hope this information helps you make informed decisions about your move to Finland. Don’t forget to explore our other articles for more tips on living in Finland.
Frequently Asked Questions:
Is it expensive to live in Finland?
Living in Finland can be more expensive compared to other European countries, especially in cities like Helsinki. Groceries, transportation, and services tend to be pricier, but Finland’s high standard of living often justifies the costs. Healthcare and education are largely covered by social services, which helps balance some expenses. Public transportation is efficient and affordable, especially if you live outside the capital. Many expats find that with careful budgeting, they can manage Finland’s cost of living comfortably.
How much is rent in Finland per month?
Monthly rent in Finland varies depending on the city and type of accommodation. In Helsinki, a one-bedroom apartment in the city center can cost between €800 and €1,200 per month. Outside the capital, in cities like Tampere or Turku, rent prices are generally lower, ranging from €600 to €900 for a similar apartment. Shared apartments or rooms are more affordable, especially for students and young professionals. Many expats choose smaller cities to enjoy a lower cost of living with similar amenities.
Is moving to Finland worth it?
For many people, moving to Finland is worth it due to the country’s high quality of life and beautiful environment. Finland offers excellent healthcare, education, and social support, which creates a stable and safe environment. The work-life balance is highly valued, allowing residents to enjoy a fulfilling lifestyle. Although the cost of living can be higher, the benefits of living in Finland, like access to nature and a supportive society, make it worthwhile for many expats. The country’s welcoming attitude and focus on well-being make it an ideal destination for those seeking a balanced and satisfying life.
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