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Cost of living in Finland – full guide

Finland is perceived as having the best living conditions on the planet. Social administrations and the state’s infrastructure are both advanced. The nation is also included among the safest nations in the world. In contrast to the EU average, Finland has higher living expenses and tax rates. Taxes in Finland support a variety of services, allowing the general population to make use of numerous social initiatives. These administrations incorporate public medical care, education, and monetary help for families with youngsters. A typical month-to-month spending plan for a family of two in Finland’s principal urban communities is somewhere in the range of €2,200 and €2,400. These prices will be somewhat cheaper outside of major cities and in rural regions.

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Utilities and housing costs

In Finland, you may choose between renting private or public housing. Rent will be less expensive in municipal housing since inhabitants are not given a subsidy by the state. In 55 towns and municipalities around the nation, the rental firm has 16,300 flats that are supported by the government. Helsinki rent for a two-bedroom apartment ranges from €700 to €1,200 per month. From €600 in Turku, Oulu, or Vantaa. However, since candidates are carefully chosen based on certain criteria, such as necessity for housing, income level, etc., renting municipal housing might take a bit longer. For private housing, a one-room flat in the Finnish capital would set you back €750, and in big towns, it starts at €550. The need for apartment insurance is another significant aspect of apartment renting in Finland. The size of the unit, your liability, and the scope of coverage all affect how much insurance will cost. For a 40 m2 flat, basic house insurance costs roughly €100 per year. In Finland, utilities consist of monthly expenses for housing upkeep (maintenance, water supply, parking, etc.) of roughly 200€ and power of 40–50€. Mobile communication costs 20 to 50 euros per month, home internet starts at 20 euros. You may get into a contract with firms that provide power, internet, and mobile services in the country to save money. Cleaning services cost between €40 and €60 per hour. A 1- or 2-room apartment often requires up to 2 hours of cleaning.

Price of goods

Food and soft drinks cost roughly 20% more in Finland than they do throughout the EU. K-Market, S-Market, Lidl, and Alepa are the major grocery store chains in this country. A household of two in Finland spends roughly €400 per month on groceries. Fish starts at €12, meat at €23 per kg, fruit at €3.5, and bread at €2. Chain retailers often offer products whose expiry dates are approaching, allowing you to save between 30 and 60% of the cost. Giving away cans and bottles for recycling can also earn you money. One container costs between 10 and 40 cents. Every supermarket in the country has a machine for accepting containers on the wall, and customers may pay at the register.


In Finland, eating out is fairly common. An average Finn spends roughly €4,700 annually at restaurants. In a bistro, a full lunch will run you somewhere in the range of €18 and €25. In a mid-range café, a two-course feast with wine will set you back at least €90 to €120. 8-13€ for some espresso and a cut of cake. Tickets to the movies cost between 11 and 17 euros and 12 to 15 euros for museums. 45–65€ for a membership to the fitness center. An individual trip to a public pool costs €7.


Particularly in the major cities, Finland has a strong public transportation system. Consequently, it is not required for your automobile to be present. A single public transportation ticket ranges in price from €3 to €4, and from €52 to €97 per month for a subscription. Children get a 50% discount on travel. Approximately €200 per month is allocated for automobile upkeep. Fuel has a beginning cost of €2 per liter. Parking costs somewhere in the range of €2 and €4 each hour. Additionally, the driver must be insured for transportation. Winter requires the usage of winter tires. You also need to pay a motor tax.

Medical care

The public healthcare system in Finland is free for residents and nationals of the state. The cost of treatment services varies based on the municipality for the remaining expats. In a district hospital, a medical visit starts at €20; in a specialized hospital, it starts at €40. Hospitalization starts at €50 per day.

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