Comprehensive Guide to Renting a Home in Finland
Finland, one of the captivating countries of Northern Europe, is renowned for its natural beauty, high safety standards, and exceptional quality of life. From the enchanting Northern Lights in Lapland to the tranquil lakes and forests that define much of its landscape, Finland has long been a dream destination for travelers and those seeking a balanced lifestyle. The capital cities of Helsinki, Espoo, Vantaa, and Tampere are popular among those moving for work or education, as they offer excellent amenities and vibrant urban living. This article provides an in-depth overview of the rental process in Finland, rental prices in different cities, and valuable tips for saving on housing costs.
The Rental Market in Finland
The rental market in Finland varies significantly based on the city, location, and size of the property. Typically, properties located in the city center command higher prices compared to those in suburban areas. On average, a one-bedroom apartment in the city center costs around 714 euros per month, whereas a similar property outside the city center can be rented for approximately 577 euros. Below, we’ll take a closer look at rental prices and the rental experience in Finland’s most popular cities.
Helsinki: Renting in the Capital City
As the capital of Finland, Helsinki is the most expensive city for renting. It offers a wealth of job opportunities, a well-developed public transport system, and an active cultural scene. The average rent for a one-bedroom apartment in the city center is 1,020 euros, whereas a similar property in the suburbs may cost around 804 euros. For those looking for more space, three-bedroom apartments are available for an average rent of 2,020 euros in the city center and 1,385 euros in the outskirts.
| City | Property Type | Average Rent |
|---|---|---|
| Helsinki | 1 Bedroom (city center) | 1,020 EUR |
| Helsinki | 1 Bedroom (suburb) | 804 EUR |
| Helsinki | 3 Bedroom (city center) | 2,020 EUR |
| Helsinki | 3 Bedroom (suburb) | 1,385 EUR |
It is crucial to note that landlords in Helsinki typically require a security deposit that can be as high as three months’ rent. Therefore, budgeting for this expense when renting in the capital is essential.
Espoo: Urban Living Close to Nature
Espoo, located west of Helsinki, is known for its blend of city living and proximity to nature. Espoo is a great option for those who want to live close to urban amenities while enjoying beautiful green spaces. The average rental price for a one-bedroom apartment in the city center is 1,108 euros, while the rent drops to 866 euros in suburban locations. A three-bedroom apartment averages around 1,705 euros in the city center and 1,350 euros in the outskirts.
| City | Property Type | Average Rent |
| Espoo | 1 Bedroom (city center) | 1,108 EUR |
| Espoo | 1 Bedroom (suburb) | 866 EUR |
| Espoo | 3 Bedroom (city center) | 1,705 EUR |
| Espoo | 3 Bedroom (suburb) | 1,350 EUR |
Tampere: Cultural and Educational Hub
Tampere is Finland’s third-largest city and is an important hub for culture and education. The city is famous for its universities and stunning lakeside settings. The rental market in Tampere is generally more affordable compared to Helsinki. A one-bedroom apartment in the city center costs around 731 euros, while a similar property outside the center is available for 606 euros. For families, three-bedroom apartments in the city center average 1,141 euros, while those in suburban areas cost approximately 894 euros.
| City | Property Type | Average Rent |
| Tampere | 1 Bedroom (city center) | 731 EUR |
| Tampere | 1 Bedroom (suburb) | 606 EUR |
| Tampere | 3 Bedroom (city center) | 1,141 EUR |
| Tampere | 3 Bedroom (suburb) | 894 EUR |
Vantaa: Living Near the Airport
Vantaa, located north of Helsinki, is home to Finland’s main international airport, Helsinki-Vantaa. This makes it a prime location for frequent travelers. Renting a one-bedroom apartment in Vantaa’s city center costs around 813 euros, while a similar apartment outside the city center costs 655 euros. For three-bedroom apartments, the average rent is 1,380 euros in the city center and 1,140 euros in the suburbs.
| City | Property Type | Average Rent |
| Vantaa | 1 Bedroom (city center) | 813 EUR |
| Vantaa | 1 Bedroom (suburb) | 655 EUR |
| Vantaa | 3 Bedroom (city center) | 1,380 EUR |
| Vantaa | 3 Bedroom (suburb) | 1,140 EUR |
The Rental Process and Money-Saving Tips
The process of renting in Finland is generally transparent and well-regulated. Security deposits are typically required by landlords and can be up to three months’ rent. To avoid complications, it is important to carefully read and understand all terms of the rental agreement before signing.
Tips for Saving on Rent
- Choose Suburban Areas: Rent in the city center tends to be much higher than in the suburbs. By opting for properties located outside the city center but with easy access to public transportation, you can save significantly on rent.
- Consider a Roommate: Sharing an apartment with a roommate is an effective way for students and young professionals to cut down on rent and utility costs.
- Short-Term Rentals and Subletting: Finland allows subletting in certain circumstances. If you’re planning to be away from home for an extended period, you may be able to rent out your apartment to cover some costs.
Rental Prices in Different Neighborhoods in Helsinki
Helsinki offers various neighborhoods that cater to different lifestyles. Rental prices vary significantly by location. Below are some of the popular districts in Helsinki and the average rental prices.
| Neighborhood | Rooms and Size | Average Rent |
| Kamppi | 2 rooms, 45 m² | 1,250 EUR |
| Kallio | 2 rooms, 45.6 m² | 1,200 EUR |
| Töölö | 1 room, 46.5 m² | 2,500 EUR |
| Sörnäinen | 2 rooms, 46 m² | 1,200 EUR |
| Ullanlinna | 2 rooms, 48 m² | 970 EUR |
| Punavuori | 2 rooms, 46 m² | 680 EUR |
| Eira | 2 rooms, 65 m² | 1,999 EUR |
| Katajanokka | 2 rooms, 43 m² | 1,230 EUR |
Residence Permit and Required Documents
If you plan to live in Finland, you will need a residence permit. For employment-based residence permits, you must submit the TEM054 form, which is completed and signed by your employer. It is important to find out if your prospective employer uses the Enter Finland service to expedite this process.
Once your residence permit has been approved and you have moved to Finland, you must register at the Digital and Population Data Services Agency. The required documents include:
- Valid passport
- Residence permit
- Explanation of your work or studies in Finland (such as a work contract or proof of enrollment)
- Original marriage certificate, if married
- Birth certificates for children under 18, if applicable
Conclusion and Recommendations
Finland offers a high standard of living and stunning natural beauty, making it a desirable place to live. However, the rental market, especially in popular cities, can be quite expensive. In this guide, we have detailed rental prices in Finland’s major cities, provided insights into the rental process, and shared some valuable tips to help reduce housing costs. Opting for properties located away from city centers or sharing your home with a roommate are effective ways to save money and manage your budget more efficiently.
If you would like more information on living in Finland, we recommend reading our guide titled “Living in Finland.” Additionally, our article on “How to Obtain a Finnish Work Permit” may be helpful for those planning to work in the country.