Anyone who has ever visited Finland will tell you it wasn’t one of their cheapest trips. However, don’t let what others say discourage you. Most first-time visitors to Finland head straight to Helsinki, and that’s exactly why many people believe Finland is extremely expensive.It’s true that nearly a quarter of Finland’s population lives in and around Helsinki, but that doesn’t mean the entire country is the same. In this article, I want to introduce you to the 10 most affordable cities in Finland. Places you might consider moving to if you’re ready to start living your Finnish dream.
Factors That Make a City Affordable
When choosing a city to live in, affordability is one of the most important considerations. The cost of living can vary significantly depending on location, so understanding what makes a city affordable is essential for making the right decision. Below are five key factors that determine a city’s affordability:
1. Housing Costs
Housing expenses often take up the largest portion of a person’s budget. Affordable cities typically offer lower rental prices, diverse housing options, and accessible student accommodations. Look for places with a balance of reasonably priced apartments, shared living spaces, or university housing to cut down costs.
2. Cost of Groceries and Essentials
The price of everyday necessities like food, toiletries, and household items plays a huge role in determining affordability. Cities with access to local markets, discount supermarkets, and affordable grocery chains make it easier to manage monthly expenses.
3. Transportation Options
Affordable cities usually provide cost-effective public transportation or are designed to be walking-friendly. Low-cost transit passes, reliable bus or train networks, and bike-friendly infrastructure can help residents save significantly on commuting costs.
4. Budget-Friendly Services and Activities
Access to budget-friendly services like gyms, libraries, and cultural activities is another important factor. Cities with free or low-cost recreational activities, festivals, and public parks offer affordable ways to enjoy leisure time without overspending.
5. Job or University Opportunities
Affordability isn’t just about lower costs; it also involves income opportunities. Cities with part-time job options for students, paid internships, or universities offering scholarships and grants make life more financially manageable. A strong local economy also ensures a steady supply of job opportunities, which can offset living expenses.
By evaluating these factors, you can find a city that fits your budget while maintaining a good quality of life. Keep in mind that everyone’s priorities differ, so choose a city that matches your unique financial goals and lifestyle needs.
Top 10 most Affordable Cities in Finland
Savonlinna
Nestled in the heart of Finland’s lake region, Savonlinna is a charming city known for its stunning natural beauty and cultural significance. Located on a series of islands, the city is surrounded by crystal-clear waters and lush forests, making it a haven for outdoor enthusiasts. Popular activities include boating, fishing, and hiking, particularly in the nearby Linnansaari National Park.
Savonlinna is also home to the iconic Olavinlinna Castle, a medieval fortress that draws visitors from around the world. This castle hosts the annual Savonlinna Opera Festival, one of Finland’s most prestigious cultural events, attracting opera lovers to its picturesque setting.
For residents, Savonlinna offers a peaceful lifestyle with affordable housing options, particularly in student-friendly accommodations near the local campus of the University of Eastern Finland. The city is small but well-connected, with reliable public transport and an emphasis on walking or cycling. While it might not offer the hustle and bustle of larger cities, its tight-knit community and access to nature provide a high quality of life. If you value tranquility and a connection to Finland’s natural beauty, Savonlinna is a wonderful place to consider.
Pori
Located on Finland’s western coast, Pori is a vibrant city known for its long sandy beaches and lively cultural scene. One of its most famous attractions is Yyteri Beach, often regarded as one of the best in Finland, where visitors can enjoy windsurfing, swimming, or simply soaking up the sun.
Pori is also a cultural hub, hosting the renowned Pori Jazz Festival, which brings international music stars and visitors to the city every summer. Beyond music, Pori offers museums, art galleries, and theaters, ensuring there’s always something to do.
Affordable housing and reasonable living costs make Pori an attractive choice for students and families alike. The city has a growing educational sector, with institutions like Satakunta University of Applied Sciences offering diverse study programs. Public transportation is reliable, and the compact size of the city makes it easy to get around.
Whether you’re drawn to its coastal charm, cultural events, or relaxed pace of life, Pori offers a unique blend of affordability and entertainment. It’s an ideal destination for those seeking a smaller city with plenty of personality and a strong sense of community.
Kajaani
In Finland’s heartland, Kajaani combines small-town charm with rich history and natural beauty. As the administrative center of Kainuu, Kajaani is a gateway to some of Finland’s most picturesque landscapes, including the nearby Vuokatti Hills and Oulujärvi Lake. These areas are perfect for skiing, hiking, and fishing, offering outdoor activities year-round.
Kajaani is steeped in history, with landmarks like the ruins of Kajaani Castle, which date back to the 17th century. The city also hosts cultural events and festivals, showcasing its vibrant local traditions.
For residents, Kajaani offers an affordable cost of living, with reasonably priced housing and a close-knit community atmosphere. Public services are excellent, and the city places a strong emphasis on education and family-friendly amenities. It is home to the Kajaani University of Applied Sciences, which attracts students from across the country.
Despite its modest size, Kajaani boasts a lively urban center with cafes, shops, and cultural venues. If you’re looking for an affordable, nature-filled city with a strong community vibe, Kajaani might be the perfect fit.
Salo
Located in southwest Finland, Salo is a small but dynamic city with a fascinating mix of history, technology, and nature. Known as the former home of Nokia’s manufacturing operations, Salo has a tech-savvy legacy and remains a hub for innovation and startups.
Salo’s location between Helsinki and Turku makes it an ideal place for commuters, offering affordable housing with easy access to larger cities. The city itself is compact and walkable, with reliable public transportation and cycling-friendly streets.
For nature lovers, Salo offers plenty of opportunities to explore the Finnish outdoors. The Teijo National Park is a must-visit, featuring serene lakes, forests, and hiking trails. The Salo Market Square is a bustling hub where locals gather to shop for fresh produce and handmade goods.
Culturally, Salo has much to offer, including art galleries, museums, and local festivals. Its strong community spirit and affordability make it especially appealing for families and students. If you’re searching for a city that blends modern innovation with a laid-back lifestyle, Salo is an excellent choice.
Vaasa
Situated on the western coast of Finland, Vaasa is a vibrant city with a strong international presence. Known as the “sunniest city in Finland,” Vaasa offers a unique coastal lifestyle, combining natural beauty with modern conveniences.
Vaasa is home to the Kvarken Archipelago, a UNESCO World Heritage Site famous for its stunning geological formations and opportunities for kayaking, hiking, and birdwatching. Its location by the sea gives the city a fresh and open atmosphere, making it a favorite for those who love water sports or simply relaxing by the coast.
The city is also an educational hub, with universities like Åbo Akademi and the University of Vaasa attracting students from Finland and abroad. This international community fosters a welcoming and dynamic environment, reflected in the city’s bilingual culture, where both Finnish and Swedish are widely spoken.
Vaasa boasts a high quality of life, with efficient public transportation, affordable housing, and a thriving job market in energy technology and research. Whether you’re a student, a professional, or a family, Vaasa’s combination of affordability, culture, and natural beauty makes it a top choice for living or studying in Finland.
Rovaniemi
Rovaniemi, the capital of Finnish Lapland, is a magical city known as the official hometown of Santa Claus. Located on the Arctic Circle, it’s a dream destination for those seeking the Northern Lights, reindeer safaris, and a winter wonderland experience. Tourists flock to Santa Claus Village, a year-round attraction where visitors can meet Santa and send postcards from the Arctic Circle’s post office.
The city also offers a range of outdoor activities. In winter, you can enjoy skiing, snowmobiling, and ice fishing, while summer brings opportunities for hiking, river cruises, and midnight sun experiences. Nature enthusiasts will love nearby Ounasvaara Hill for hiking and skiing adventures.
For residents, Rovaniemi offers a unique blend of urban amenities and untouched wilderness. The city is home to the University of Lapland, attracting students from across Finland and abroad. Its cost of living is reasonable compared to Finland’s larger cities, and housing options are diverse, from modern apartments to cozy cabins.
Rovaniemi’s vibrant culture, friendly atmosphere, and breathtaking surroundings make it an exciting place to live or visit. If you’re looking for a city with a true Arctic spirit, Rovaniemi should be at the top of your list.
Hämeenlinna
Located in southern Finland, Hämeenlinna is a city rich in history and surrounded by beautiful lakes and forests. Its most iconic landmark is Häme Castle, a medieval fortress that offers a glimpse into Finland’s past and hosts various cultural events throughout the year.
Hämeenlinna is also known for its connection to composer Jean Sibelius, whose birthplace has been turned into a museum celebrating his life and music. The city’s cultural offerings include theaters, galleries, and annual festivals, ensuring there’s always something happening.
For outdoor lovers, Hämeenlinna offers plenty of green spaces, including Aulanko Nature Reserve, a picturesque area perfect for hiking, cycling, or simply enjoying the stunning views of Lake Vanajavesi.
The cost of living in Hämeenlinna is affordable, with a wide range of housing options and excellent public services. Its central location and efficient train connections make it a commuter-friendly city, ideal for those working in Helsinki, Tampere, or Turku.
Hämeenlinna is perfect for anyone seeking a balance of history, culture, and nature, all within a welcoming and family-friendly environment.
Lohja
Lohja, located in southern Finland, is a charming small city surrounded by lush forests and serene lakes. It is especially known for Lake Lohjanjärvi, Finland’s largest lake in the southern region, offering excellent opportunities for fishing, boating, and lakeside relaxation.
Lohja has a rich cultural heritage, with landmarks like the Church of St. Lawrence, one of Finland’s oldest stone churches, and Tytyri Mine Experience, an underground museum that highlights the city’s mining history. The city also hosts annual events such as the Lohja Apple Carnival, celebrating its strong connection to apple orchards and agriculture.
For residents, Lohja offers a peaceful yet modern lifestyle. Housing is affordable, and the city provides a range of services, from schools to recreational facilities. Its proximity to Helsinki, just under an hour away, makes it a great option for commuters who prefer a quieter home base.
Lohja’s mix of natural beauty, cultural attractions, and accessibility makes it a wonderful place for families, students, or anyone seeking a slower pace of life without sacrificing modern conveniences.
Joensuu
Located in eastern Finland, Joensuu is a vibrant city with a youthful energy, thanks to its status as a university town. The city is home to the University of Eastern Finland, which attracts students from across the globe, fostering an international and innovative atmosphere.
Joensuu sits on the banks of Lake Pyhäselkä and the Pielisjoki River, making it a haven for water activities like kayaking, fishing, and scenic cruises. The surrounding region offers incredible natural beauty, including the nearby Koli National Park, renowned for its hiking trails and breathtaking landscapes.
Culturally, Joensuu is known for its annual Ilosaarirock Festival, one of Finland’s most popular music festivals. The city also has a bustling market square, museums, and theaters, providing a rich array of activities for residents and visitors alike.
Living in Joensuu is affordable, with reasonable housing costs and efficient public transport. The city is compact and bike-friendly, making it easy to navigate. Whether you’re a student, a nature lover, or someone seeking a lively yet affordable city, Joensuu offers a perfect balance of urban and outdoor living.
Mikkeli
Mikkeli, situated in Finland’s stunning Lakeland region, is a picturesque city surrounded by lakes and forests. Its location on the shores of Lake Saimaa makes it an excellent choice for those who enjoy boating, fishing, and lakeside activities. During summer, the city is alive with visitors exploring its scenic surroundings and vibrant markets.
Mikkeli is steeped in history, with landmarks like the Mikkeli Cathedral and Kenkävero, a former vicarage turned cultural center and local artisan hub. The city also played a significant role during World War II, serving as the headquarters for Finland’s military leadership.
Affordable housing and a laid-back lifestyle make Mikkeli an attractive choice for residents. The city’s well-developed public services and educational institutions, including South-Eastern Finland University of Applied Sciences (Xamk), provide excellent opportunities for families and students.
Mikkeli is also known for its strong community spirit and emphasis on sustainability. Farmers’ markets, local food culture, and eco-friendly initiatives are prominent features of life here. If you’re looking for a city with beautiful surroundings, rich history, and a relaxed pace of life, Mikkeli is a fantastic choice.
Finland offers a wealth of unique cities, each with its own charm and opportunities for living, studying, or exploring. From the Arctic magic of Rovaniemi to the historic allure of Hämeenlinna and the tranquil beauty of Mikkeli. There’s a city to suit every lifestyle.
Whether you’re drawn to vibrant cultural festivals, rich history, or outdoor adventures, these cities embody Finland’s commitment to quality of life, sustainability, and community. They provide affordable living options and access to Finland’s stunning natural landscapes, making them perfect for families, students, and professionals alike.
No matter which city of these 10 most affordable cities you choose, you’ll find a welcoming atmosphere and a chance to experience Finland’s unique blend of modern living and timeless traditions. Each city is a gateway to discovering the Finnish way of life, rooted in nature, innovation, and strong community ties.
As you plan your journey or relocation, let these cities inspire you to explore all that Finland has to offer. Whether you’re a FutureFinn or a curious traveler, there’s a city here waiting to become your home.
I’m Adam, a creator who enjoys writing about language learning, Python projects, and relocation. I share simple tips and helpful guides for people who are starting something new or moving abroad. My goal is to make learning and big changes feel easier and more exciting.
